Checking Savings Certificate/IRA Auto Loan Home Equity Mortgage

Fixed Home Equity Loan (70% or less LTV)

Term (Months) Estimated Monthly Payment (example: $10,000 loan)** Annual Percentage Rate (APR)* Margin
72 $158.78 As low as 3.49% Fixed Rate
96 $125.44 As low as 3.99% Fixed Rate
120 $108.54 As low as 4.99% Fixed Rate
180 $84.38 As low as 5.49% Fixed Rate

Fixed Home Equity Loan (70.01% to 80.00% LTV)

Term (Months) Estimated Monthly Payment (example: $10,000 loan)** Annual Percentage Rate (APR) Margin
72 $161.10 As low as 4.49% Fixed Rate
96 $127.82 As low as 4.99% Fixed Rate
120 $111.04 As low as 5.74% Fixed Rate
180 $87.10 As low as 6.24% Fixed Rate

Fixed Home Equity Loan (80.01% to 90.00% LTV)

Term (Months) Estimated Monthly Payment (example: $10,000 loan)** Annual Percentage Rate (APR)* Margin
72 $168.16 As low as 5.99% Fixed Rate
96 $135.12 As low as 6.49% Fixed Rate
120 $118.72 As low as 7.24% Fixed Rate
180 $95.58 As low as 7.74% Fixed Rate

Fixed Home Equity Loan - 30 year amortization (70% or less LTV) - Balloon****

Term (Months) Estimated Monthly Payment (example: $10,000 loan)** Annual Percentage Rate (APR) Margin
72 $161.10 As low as 3.99% Fixed Rate
120 $111.04 As low as 5.49% Fixed Rate
180 $87.10 As low as 5.99% Fixed Rate

Fixed Home Equity Loan - 30 year amortization (70.01% to 80.00% LTV) - Balloon****

Term (Months) Estimated Monthly Payment (example: $10,000 loan)** Annual Percentage Rate (APR) Margin
72 $163.42 As low as 4.99% Fixed Rate
120 $113.56 As low as 6.24% Fixed Rate
180 $89.88 As low as 6.74% Fixed Rate

Fixed Home Equity Loan - 30 year amortization (80.01% to 90.00% LTV) - Balloon****

Term (Months) Estimated Monthly Payment (example: $10,000 loan)** Annual Percentage Rate (APR) Margin
72 $170.54 As low as 6.49% Fixed Rate
120 $121.36 As low as 7.74% Fixed Rate
180 $98.48 As low as 8.24% Fixed Rate

HELOC (80% or less LTV)

Term (Months) Annual Percentage Rate (APR)* Margin
180 4.00% +0.00% - +0.75%

HELOC (80.01% TO 90.00% LTV)

Term (Months) Annual Percentage Rate (APR)* Margin
180 As low as 4.75% +1.50% - +2.25%

Rates as of 05/01/2013

Click here for a detailed Home Equity Loan rate sheet and full disclosures.

*Relationship Discount – FORUM offers a .50% discount to any of the above fixed rate home equity loans  for qualifying members with an active checking account (Active checking account requires a FORUM checking account with at least 10 transactions the month previous to the  application  date).