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Effective 11/3/2025
| Product | Interest Rate | APR | Payment/$1000 |
|---|---|---|---|
| 30 Year | 6.500% | 6.683% | $6.32 |
| 30 Year – 1 Point | 6.125% | 6.401% | $6.08 |
| 20 Year | 6.125% | 6.362% | $7.24 |
| 15 Year | 6.000% | 6.296% | $8.44 |
| 10 Year | 5.875% | 6.294% | $11.04 |
| 30 Year Jumbo | 6.750% | 6.935% | $6.49 |
| 20 Year Jumbo | 6.375% | 6.614% | $7.38 |
| 15 Year Jumbo | 6.250% | 6.549% | $8.57 |
| 10 Year Jumbo | 6.125% | 6.546% | $11.16 |
Effective 11/3/2025
| Product | Interest Rate | APR | Payment/$1000 |
|---|---|---|---|
| 30 Year | 6.750% | 7.061% | $6.49 |
| 20 Year | 6.375% | 6.768% | $7.38 |
| 15 Year | 6.250% | 6.740% | $8.57 |
| Land Loan | 7.500% | 7.634% | $6.99 |
*Interest Rates and APR are subject to change without notice. Interest rates posted are considered benchmark rates, additional points or higher rates may be applicable. Ask your Home Loan Specialist for details as they apply to you. APR is annual percentage rate and is accurate as of the effective date. LTV – The loan-to-value ratio is the amount of a first mortgage lien as a percentage of the total appraised value of the real property. Loans exceeding 80% loan-to-value require Private Mortgage Insurance (PMI). Rate assumes 20% down payment. Payment amounts on the above product does not include taxes and insurance. Your final payment may be greater. Subject to credit approval.
Effective 11/3/2025
| Product | Interest Rate | APR | Payment/$1000 |
|---|---|---|---|
| 6-Month Introductory Rate Home Equity Line** | 5.99% for 6 months then Prime minus .50% for life of loan*** | 6.500% | $3.33 |
| 5 YR Home Equity Loan | 6.740% | 6.740% | $19.68 |
| 10 YR Home Equity Loan | 6.990% | 6.990% | $11.61 |
| 15 YR Home Equity Loan | 7.490% | 7.490% | $9.26 |
| 20 YR Home Equity Loan | 8.000% | 8.000% | $8.36 |
*Home equity lines and loans are available on 1-2 family owner-occupied homes and condominiums only. Loans available from $10,000 and up. You may borrow up to 100% combined loan to value; Loans exceeding 75.01% Combined Loan to Value (CLTV) may have higher rates and terms and require PMI. Property insurance required.
**Annual Percentage Rates (APR) accurate as of 8/18/25. The introductory APR of 5.99% APR will be in effect for the first 6 months of your loan. After the introductory rate period, the subsequent Annual Percentage Rate (APR) will adjust monthly based on the highest Wall Street Journal published Prime Rate on the last business day of each month. Introductory APR only available to clients: without an existing Fidelity Bank home equity line or loan; with an existing or new Fidelity Bank spending account; and with an automatic payment deduction from a Fidelity Bank spending account. Subsequent APR is prime minus .50% with a Primary Spending or 18/65 Spending account, prime minus .625 % with Plus Spending, or prime minus .75% with Premier Spending. Rate will never exceed 18% APR or drop below 4.00% APR. Available on 1-2 family owner-occupied homes and condominiums only. Loans available from $10,000 and up. You can borrow up to 100% of the equity you have in your home. Loans exceeding 75.01% Combined Loan to Value (CLTV) may have higher rates and require Private Mortgage Insurance (PMI). Property insurance required. There is an annual fee of $50.00. Interest begins to accrue when funds are advanced from line of credit. If the line is closed within 3 years, the Bank’s closing costs must be repaid. Interest may be tax-deductible. Please consult your tax advisor. All loans are subject to credit approval. Other restrictions may apply. Offers subject to change or termination at any time.
*** WALL STREET JOURNAL PRIME RATE IS 7.000% (updated as of 10/30/2025)
