30 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.519%  1.500%
 4.625%  4.766%  0.000%
Home Equity Line of Credit
 Rate  APR  Points
 4.375%  4.375%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.625%  4.090%  1.500%
 4.125%  4.368%  0.000%