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Home Equity

Relax.  The equity in your home can help!

Rates starting at just 3.49% APR*. And with Premier, you can use up to 100% of your home's value.

What will you do with your equity?

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Remodel/Repair
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Take a Vacation
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Education or Pay off Debt 

Home Equity Line of Credit - Adjustable Line SPECIAL

 Credit Score Loan to Value <80% APR
750+ 6-month intro rate: 3.49% APR Variable rate after 6 months: 4.50% APR
*Annual Percentage Rate (APR) available for a limited time. For conforming loans, 3.49% interest rate if paid in full within first six months then adjusts monthly after six months to one-half point below Prime Rate (currently 4.75%) as published in the Wall Street Journal, and will vary, with a floor of 4.50%. Maximum rate is 10.49%. Add .50% to variable rate for no Premier Bank checking account. Ten-year term up to 100% loan-to-value ratio.  Homeowner’s insurance required. Owner occupied dwellings only. Subject to credit qualification. Loans requiring an appraisal are subject to $250-$400 appraisal fee. No annual fees. Consult your tax advisor regarding the deductibility of interest. Sample Scenario based on 750+ credit score and the variable rate is based on 80% or less loan-to-value. Based on a $20,000 conforming loan: 6 monthly interest only payments ranging from $57.37 to $59.28 based on the 3.49% APR. 114 interest only payments ranging from $73.97 to $76.44 based on the the 4.50% APR. Risk Based Pricing:  Initial starting rates (and adjustable rates) may be higher and are dependent on an applicant’s Loan to Value and Credit Score.  To obtain rates based on your scenario, please contact us at 563-588-1000. Note: Loan requires monthly interest only payments that will be calculated on the amount of the current outstanding balance.

10 Year Home Equity Loan - Closed End

 Credit Score Loan to Value <80% APR
750+ 4.50% 4.623%
*Annual Percentage Rates (APR). Add 0.50% for no Premier Bank Checking Account. Homeowner's insurance required. Owner occupied dwellings only. Subject to credit qualification. Closing costs to be paid by borrower. Loans requiring an appraisal subject to $250-$400 appraisal fee. There is a $95 loan origination fee.  No annual fees. Consult your tax advisor regarding the deductibility of interest. Sample Scenario based on 750+ credit score and Loan to Value of < 80%. Based on a $20,000 conforming loan: 119 monthly payments of $204.91 and one final payment of $204.58 Risk Based Pricing: Rates may be higher and are dependent on an applicant’s Loan to Value and Credit Score. To obtain rates based on your scenario, please contact us at 563-588-1000. Note: Payment examples do not include amounts for taxes and insurance, if applicable, and actual payments may be greater.

20 Year Home Equity Arm Loan - Closed End

 Credit Score Loan to value <80% APR
750+ Initial starting rate is: 4.75% 4.82%
*Annual Percentage Rates (APR) are based on a $20,000 loan and loan-to-value ratio of 80%. Add 0.50% for no Premier Bank Checking Account. Loan is fixed for 10 years at 4.50%, then adjusts annually at Prime Rate plus one half percent (Prime Rate is currently 4.75% as published in the Wall Street Journal), and will vary, with a floor of 4.75% and a ceiling of 10%. 20-year term. Homeowner’s insurance required. Owner occupied dwellings only. Subject to credit qualification. Closing costs to be paid by borrower. Loans requiring an appraisal subject to $250-$400 appraisal fee. There is a $95 loan origination fee.  No annual fees. Consult your tax advisor regarding the deductibility of interest. Sample Scenario based on 750+ credit score and Loan to Value of < 80%. Based on a $20,000 conforming loan: 119 monthly payments of $129.30, then monthly payments will change based on the current index rate. Risk Based Pricing: Initial starting rates (and adjustable rates) may be higher and are dependent on an applicant’s Loan to Value and Credit Score. To obtain rates based on your scenario, please contact us at 563-588-1000. Note: Payment examples do not include amounts for taxes and insurance, if applicable, and actual payments may be greater.

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