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Personal Loans
Personal Lending 
Personal, auto, recreation and debt consolidation loans available. 
Loans have a fixed rate with affordable rates and terms. 
Ready Reserve 
You can be preapproved for a line of credit for your checking account. 
Avoid embarrassing overdrafts and costly charges. 
Pay interest on the amount of credit you use on the open-ended term. 
Available to qualified applicants. 
Balloon Mortgage 
Final payment is due at the end of the term, balloon payment. 
An attractive product for someone who doesn't expect to be in their home for a long 
period of time. Escrow available for property taxes, hazard insurance and PMI (payment mortgage insurance), if applicable. PMI may be required if borrower has less than 20% down 
payment. Escrow is an optional product if loan to value is <80% and PMI not required. 
Loan is serviced by Federation Bank. Visit with one of our lenders for rates and terms. 
Fixed Rate Mortgage 
Interest rate on loan is a fixed rate for the entire amortization of the loan. 
An attractive product for someone who expects to be in their home for several years. 
We have two products available. One product is sold on the secondary market but offers 
you the benefit of having the loan serviced in-house by Federation Bank. With the other 
product, the loan and servicing are both sold on the secondary market. 
Escrow available for property taxes, hazard insurance and PMI (payment mortgage 
insurance), if applicable. PMI may be required if borrower has less than 20% down 
payment. Escrow is an optional product if loan to value is <80% and PMI not required. Visit with a loan officer for rates and terms. 
Home Equity Loans 
  • Closed end equity loan
  • Use the equity in your home for debt consolidation, home improvement, purchase 
    vehicle, etc. Talk to your tax advisor to determine tax advantages. 
    Based on credit approval, you have the ability to borrow up to 95% of appraised value of 
    your home. 
    Interest rate on loan is fixed for specific amount of years. 
  • Home Equity Line of Credit
  • Use the equity in your home for debt consolidation, home improvement, purchase 
    vehicle, etc. Talk to your tax advisor to determine tax advantages. 
    Based on credit approval, you have the ability to borrow up to 95% of appraised value of 
    your home. Interest rate is variable. Pay interest only on the amount you have borrowed.  
    Allows you the ability to meet your current and future borrowing needs as funds can be 
    drawn as needed. Visit with a loan officer for rates and payment terms. 


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