30 Year Fixed Rate
 Rate  APR  Points
 4.625%  4.911%  1.625%
 5.000%  5.144%  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%  4.381%  1.750%