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Woman Using Mobile Banking

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A Conventional loan is not a government insured loan program. A Conventional loan can offer a down payment with as little as 3%. If you have less than a 20% down payment, a Conventional loan will require private mortgage insurance or PMI which will help insure the lender against default. Credit and income requirements on a Conventional loan are typically stricter than a government loan (i.e. FHA, VA or USDA).

There are two types of Conventional loans: Conforming and Non-conforming. A Conforming loan means the loan meets guidelines set by Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac). Non-conforming loans can include jumbo loans, portfolio loans or any other loan that does not meet Fannie Mae or Freddie Mac guidelines. Pen Air offers both conforming and non-conforming loans.

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VA Mortgage Loan

A VA loan is government insured by the US Department of Veteran Affairs. For qualified active duty service members and veterans this is a great program that allows for up to 100% financing with no private mortgage insurance requirement. This loan can be utilized to purchase a new home or refinance an existing home, including cash-out refinancing. For more information on VA loans, visit https://benefits.va.gov/homeloans/.

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Rates Table

Account Type Minimum Opening Deposit Minimum Balance Required to Obtain APY Interest Rate Annual Percentage Yield
3 Month CD $500 $500 0.10% 0.10%
6 Month CD $500 $500 0.10% 0.10%
9 Month CD $500 $500 0.10% 0.10%
1 Year CD $500 $500 0.10% 0.10%
3 Year CD $500 $500 0.10% 0.10%

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Account Info (h4)


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