Home Equity Loans and Lines of Credit

The advetised rate includes a .25% discount for Auto Pay from a CSB Checking Account.

Rates as of Thursday, May 10, 2012
Product Description	Points	Interest Rate	Annual Percentage Rate	Payment per $1,000	Payments	Apply
Home Equity Loans APR'S BASED ON 80% LTV
5 Year Home Equity Loan	0.000	4.250%	4.250%	$18.53	Show Payments and Rates
10 Year Home Equity Loan	0.000	5.000%	5.000%	$10.61	Show Payments and Rates
15 Year Home Equity Loan	0.000	5.250%	5.250%	$8.04	Show Payments and Rates
20 Year Home Equity Loan	0.000	5.750%	5.750%	$7.02	Show Payments and Rates
*Home Equity Lines APR'S BASED ON 80% LTV
*Home Equity Line of Credit (HELOC)	0.000	3.250%	3.250%	$5.67	Show Payments and Rates

* The interest rate is equal to the Wall Street Prime Rate index. The current Wall Street Prime Rate effective as of 12/17/2008 is 3.25% APR. The interest rate may increase or decrease based on the changes of the Wall Street Prime Rate as published in the Wall Street Journal on the first day of each month. The maximum rate for this product is 18% APR. An increase in the interest rate will result in a higher monthly payment.
Homeowners insurance will be required on the property securing the obligation.
Home Equity Lines of Credit closed within 24 months will be subject to a $400 Retirement Fee.