30 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.773%  1.500%
 4.875%  5.018%  0.000%
Home Equity Line of Credit
 Rate  APR  Points
 4.375%  4.375%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.875%  4.362%  1.625%
 4.375%  4.619%  0.000%