February 21, 2014
Home Equity Loans
Home Equity Prime Lines
|Benefits/Uses||Used for specific, immediate expenses such as home improvement, auto purchase, debt consolidation, education, vacation – you decide. This is a one-time loan for use when you don’t expect additional financing needs in the near future.||Ongoing source of credit to be used when and where you need it for home improvement, auto purchase, vacation, debt consolidation – you decide. Can be reused as balances are paid down.|
|Rates||Rates are fixed for the length of the loan.||Rate variable monthly based on NYP*|
|Minimum amount you can borrow||$5000 (loans as low as $2000 offered with a 1% interest increase)||$5000|
|Financing Loan to Value||Up to 90%||Up to 90%|
|Payment options||Fixed monthly payments for length of the loan||
1% Active Principal Balance and accrued monthly interest**
|Access to funds||Single check at funding||Online, check, phone or in person|
*NYP = New York Prime as published in the Wall Street Journal
**Making only minimum payments will result in a balloon payment of the entire principal balance at maturity
All CSB loan consultants and officers are registered on the Nationwide Mortgage Licensing System and Registry. CSB NMLS Registry
Requests for information or for error resolution should be mailed to:
Community State Bank
Attn: Loan Error Resolution
817 N Ankeny Blvd
Ankeny, IA 50023
Requests must include your name, loan number, and a description of the error or information being requested.
|CUSTOMER CARE (515) 331-3100||TELEBANK (515) 224-8181|
|LOST/STOLEN DEBIT CARDS (800) 383-8000||EMAIL US: Click here|
|SHAZAM FRAUD MANAGEMENT (866) 508-2693|
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