Lending Services

Home Equity Loans

All loans subject to Credit Approval

THERE ARE NO APPLICATION FEES FOR LOANS UP TO $250,000

HOME EQUITY LINE OF CREDIT

No minimum draw at closing required. Loan available only for owner-occupied single family homes and approved condominiums; not available on properties listed for sale. Maximum Total Loan to Value for single family homes is 75%; if first lien position or the first mortgage is with CSS the max LTV is 80%. For approved condominiums or PUD the maximum LTV is 70%; if first lien the max LTV is 75%. Property insurance is required. Flood insurance may be required. An appraisal fee may apply under certain circumstances. Minimum loan amount is $10,000. First or second lien position is required.

Adjustable Rate Line of Credit:

Rate is equal to Prime -.51% for the life of the loan with a MAXIMUM ANNUAL PERCENTAGE RATE (rate cap) of 18%. The current rate in effect using the index plus the margin is the current Prime Rate of 4.000% - .51% or 3.49%. Rate can vary monthly.

Rates as of Wednesday, May 24, 2017

Interest RateAPRApply
Home Equity Line of Credit
3.490%3.490%


This is a variable rate loan with a ten-year draw period during which payment of interest only monthly is required followed by a principal and interest repayment period of fifteen years. There is a $35.00 Annual Fee (waived the first year.). There is a prepayment penalty of $200 if the loan is paid off (closed) within 24 months of the contract date.

Rates as of Wednesday, May 24, 2017

Product DescriptionInterest RateAPRPayment per $1,000Apply
Home Equity Fixed Rate - 5 Year Term
5 year3.250%3.250%$18.08
Home Equity Fixed Rate - 10 Year Term
10 year3.750%3.750%$10.01
Home Equity Fixed Rate - 15 Year Term
15 year4.500%4.500%$7.65
Home Equity Fixed Rate - 20 Year Term
Home Equity 20 Years4.750%4.750%$6.46
Home Equity Loan Special - New Money Only or $20,000 new money for existing customer. Payment must be automatically debited from your CSS Checking Account. Must be in 1st lien position.
Home Equity Fixed Rate Special - 5 Year Term
5 Years3.000%3.000%$17.97
Home Equity Fixed Rate Special - 10 Year Term
10 Years3.500%3.500%$9.89
Home Equity Fixed Rate Special - 15 Year Term
15 Years3.875%3.875%$7.33
Home Equity Fixed Rate Special - 20 Year Term
Home Equity Special - 20 Year4.000%4.000%$6.06


The payment examples above do not include amounts for taxes and insurance premiums (if applicable) and, if the credit is secured by a first lien, the actual payment obligation may be greater. First or second lien position is required. Loan available only for single family owner-occupied homes and approved condominiums; not available on properties listed for sale. Maximum Total Loan to Value for single family homes is 80%. See the information below for approved condominiums. Property insurance is required. Flood insurance may be required. An appraisal fee may apply under certain circumstances. Requests for Home Equity Loans that are an exception to policy may be upcharged a standard .625% over the published rate.

ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE