Disclosures

Copyright Notice and Disclosures

Use of Information

Any person is hereby authorized to view the information available from the web site for informational purposes only.  No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of Eagle Savings Bank.

Copyright Information

© 2018 Eagle Savings Bank, All Rights Reserved

All information in this site is protected by compilation copyright in the United States of America bases on U.S. Copyright Law (17 U.S.C. sec . 101 et seq) and International Copyright Laws and may not be reproduced in whole or in part.  Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.

Disclaimer of Warranties

The information contained or accessed, and references to corporations, including their services and products, are provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services or publications within Eagle Savings Bank’s web site does not imply endorsement of that product, service or publication. Eagle Savings Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. Eagle Savings Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.

Disclosures

Facts, data, & other information presented on Eagle Savings Bank website pages are provided directly by Eagle Savings Bank.

Eagle Savings Bank, our employees, officers, directors and shareholders are not responsible for typographical errors or errors of omission. 

Deposit information presented on the website of Eagle Savings Bank is in accordance with the Federal Reserves Code of Federal Regulations (eCFR) Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.

Loan information presented on the website of Eagle Savings Bank is in accordance with the Federal Reserves Code of Federal Regulations (eCFR) Truth in Lending Act (Reg. Z). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.

Home Equity Loan Rate Disclosures

Home Equity Line of Credit-The fully indexed Annual Percentage Rate (APR) is Prime + a margin. “Prime” means the prime rate as published in The Wall Street Journal.  Minimum monthly payment is required.  The interest rate may increase or decrease based on the terms of the note.  Other closing costs may apply.  Property must be single family, owner-occupied.  Eagle Savings Bank normal underwriting guidelines apply.

Residential Mortgage Loan Rate Disclosures

15-Year | 30-Year | Construction Loan

This is a fixed interest rate loan. Eagle Savings Bank normal underwriting guidelines apply. 

Adjustable Rate Mortgage (ARM) - This is an adjustable interest rate loan. Your interest rate is subject to change on your anniversary date.  Eagle Savings Bank normal underwriting guidelines apply. 

ProductRateAPRPointsClosing Costs*Payment Example
30 Year Fixed 3.875% 3.924% 0% $1500.00 $470.24
15 Year Fixed 3.500% 3.587% 0% $1500.00 $714.88
5/1 ARM 3.375% 4.198% 0% $1500.00 $422.10

Due to market fluctuations, interest rates are subject to change at any time without notice.  Interest rates are also subject to credit and property approval based on secondary market guidelines. 

Credit and collateral are subject to approval.  Terms and conditions apply.  This is not a commitment to lend.  Programs, rates, terms and conditions are subject to change without notice.

The Annual Percentage Rate (APR) is based on a $100,000 loan amount, with a term of either 15 or 30 years with a loan-to-value (LTV) of 80% and estimated prepaid interest of 15 – 30 days. 

The APR may vary depending on the closing date and other closing costs. Closing costs are an estimate and applies to loans in the approved lending area of Eagle Savings Bank.

Loans exceeding the 80% LTV are subject to Private Mortgage Insurance which would increase the monthly payment.

The examples are based on single family owner occupied properties.

The monthly payment disclosure does not include escrow for taxes and insurance. Escrow for taxes and insurance may be required based on the product and term.  Actual payments will be higher if escrow is required.

*Closing costs are an estimate and apply to loans in our approved lending area. Borrower pays all closing cost.

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