May 12, 2008

Loan Rates

Rates Effective: May 5, 2008

Home Equity Line of Credit*   
Term  From  To  Interest Rate  APR
Seven (7) years  $100,000+    Prime minus 1.00%  4.00%
   $50,000  $99,999  Prime minus .50%  4.50%
   $5,000  $49,999  Prime minus .25%  4.75%

 *The maximum APR for all credits is 20%. The Annual Percentage Rate (APR) is a variable rate based on the highest Prime Rate in the Money Rates section of the Wall Street Journal (the "WSJ Prime"). Monthly payments must be automatically debited from your OPTCB checking account. Consult your tax advisor about the deductibility of interest. Purchase of property insurance is required. Offer applies to line secured by owner-occupied, one to four family residences located in the state of Illinois.

Wall Street Journal Prime Rate

5.00%

Other Loans

Auto, Boat, RV, Construction, Overdraft Protection

Please call us for information and rates on these products