• Log in to EZ Mortgage.
  • Log in to Online Banking.
  • Join DuGood.

Home Loan Rates

Rates effective January 7, 2022

Term Rate APR*
10 Year 2.75% 3.06%
15 Year 2.75% 2.96%
20 Year 3.25% 3.42%
30 Year 3.25% 3.37%
  • Minimum Loan Amount is $20,000
  • Maximum Refinance Loan to Value is 90%
  • Maximum Purchase Money 95% LTV

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Please call to verify listed rates and fees.

Home Equity Rates

Rates effective January 7, 2022

Term Rate APR*
5 Year 2.75% 2.75%
7 Year 3.00% 3.00%
10 Year 3.00% 3.00%
15 Year 3.25% 3.25%
20 Year 3.50% 3.50%
30 Year 3.75% 3.75%
  • Minimum Loan Amount is $10,000 New Money
  • Maximum Loan to Value 80% with Cash Out

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Home equity rates valid on first lien home equity loans only. Please call to verify listed rates and fees.

Second Home Loan Rates

Rates effective January 7, 2022

Term Rate APR*
10 Year 3.00% 3.31%
15 Year 3.00% 3.21%
20 Year 3.50% 3.67%
  • Minimum Loan Amount is $20,000
  • Maximum Loan to Value is 80%

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Please call to verify listed rates and fees.

Land Loan Rates

Rates effective January 7, 2022

Term Rate APR*
5 Year 4.75% 5.42%
10 Year 5.00% 5.35%
15 Year 5.00% 5.25%
  • Minimum Loan Amount is $15,000
  • Required Down Payment is 20%

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Please call to verify listed rates and fees.

Construction Loan Rates

Rates effective January 7, 2022

Term Rate APR*
12 Months 7.00% 20.17%
  • Interest Payments Only During Construction
  • Maximum Loan to Value is 80%

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Please call to verify listed rates and fees.