Use the calculator below to calculate your monthly home equity payment for the line of credit from Community Bank. You can adjust loan amount, interest rate, and the home equity term to view the impact on the monthly payment amount. The calculator also provides an amortization table to show the amount of principal and interest payments a borrower will make over the life of the line of credit.
Product Total Termlength: 20 Years
Interest Rate: 7.5%
Rate change (per year): 0.1%
Date | Principal Balance? | Monthly Payment? | Interest? | Monthly Amortization? |
---|---|---|---|---|
11/13/2024 | $320,000.00 | $2,612.27 | $2,026.67 | $585.60 |
12/13/2024 | $319,414.40 | $2,612.27 | $2,026.67 | $585.60 |
01/13/2025 | $318,825.08 | $2,612.27 | $2,022.96 | $589.31 |
02/13/2025 | $318,232.04 | $2,612.27 | $2,019.23 | $593.04 |
03/13/2025 | $317,635.24 | $2,612.27 | $2,015.47 | $596.80 |
04/13/2025 | $317,034.66 | $2,612.27 | $2,011.69 | $600.58 |
05/13/2025 | $316,430.27 | $2,612.27 | $2,007.89 | $604.38 |
06/13/2025 | $315,822.06 | $2,612.27 | $2,004.06 | $608.21 |
07/13/2025 | $315,210.00 | $2,612.27 | $2,000.21 | $612.06 |
08/13/2025 | $314,594.06 | $2,612.27 | $1,996.33 | $615.94 |
09/13/2025 | $313,974.22 | $2,612.27 | $1,992.43 | $619.84 |
10/13/2025 | $313,350.45 | $2,612.27 | $1,988.50 | $623.77 |
11/13/2025 | $312,714.47 | $2,646.64 | $2,010.67 | $635.98 |
12/13/2025 | $312,074.42 | $2,646.64 | $2,006.58 | $640.06 |
01/13/2026 | $311,430.25 | $2,646.64 | $2,002.48 | $644.16 |
02/13/2026 | $310,781.95 | $2,646.64 | $1,998.34 | $648.30 |
03/13/2026 | $310,129.50 | $2,646.64 | $1,994.18 | $652.46 |
04/13/2026 | $309,472.85 | $2,646.64 | $1,990.00 | $656.64 |
05/13/2026 | $308,811.99 | $2,646.64 | $1,985.78 | $660.86 |
06/13/2026 | $308,146.89 | $2,646.64 | $1,981.54 | $665.10 |
07/13/2026 | $307,477.53 | $2,646.64 | $1,977.28 | $669.37 |
08/13/2026 | $306,803.87 | $2,646.64 | $1,972.98 | $673.66 |
09/13/2026 | $306,125.88 | $2,646.64 | $1,968.66 | $677.98 |
10/13/2026 | $305,443.55 | $2,646.64 | $1,964.31 | $682.33 |
11/13/2026 | $304,747.92 | $2,681.01 | $1,985.38 | $695.63 |
12/13/2026 | $304,047.76 | $2,681.01 | $1,980.86 | $700.15 |
01/13/2027 | $303,343.06 | $2,681.01 | $1,976.31 | $704.70 |
02/13/2027 | $302,633.78 | $2,681.01 | $1,971.73 | $709.28 |
03/13/2027 | $301,919.88 | $2,681.01 | $1,967.12 | $713.89 |
04/13/2027 | $301,201.35 | $2,681.01 | $1,962.48 | $718.53 |
05/13/2027 | $300,478.14 | $2,681.01 | $1,957.81 | $723.21 |
06/13/2027 | $299,750.24 | $2,681.01 | $1,953.11 | $727.91 |
07/13/2027 | $299,017.60 | $2,681.01 | $1,948.38 | $732.64 |
08/13/2027 | $298,280.20 | $2,681.01 | $1,943.61 | $737.40 |
09/13/2027 | $297,538.01 | $2,681.01 | $1,938.82 | $742.19 |
10/13/2027 | $296,790.99 | $2,681.01 | $1,934.00 | $747.02 |
11/13/2027 | $296,029.48 | $2,715.39 | $1,953.87 | $761.51 |
12/13/2027 | $295,262.95 | $2,715.39 | $1,948.86 | $766.53 |
01/13/2028 | $294,491.38 | $2,715.39 | $1,943.81 | $771.57 |
02/13/2028 | $293,714.73 | $2,715.39 | $1,938.73 | $776.65 |
03/13/2028 | $292,932.96 | $2,715.39 | $1,933.62 | $781.76 |
04/13/2028 | $292,146.05 | $2,715.39 | $1,928.48 | $786.91 |
05/13/2028 | $291,353.96 | $2,715.39 | $1,923.29 | $792.09 |
06/13/2028 | $290,556.66 | $2,715.39 | $1,918.08 | $797.31 |
07/13/2028 | $289,754.10 | $2,715.39 | $1,912.83 | $802.55 |
08/13/2028 | $288,946.26 | $2,715.39 | $1,907.55 | $807.84 |
09/13/2028 | $288,133.11 | $2,715.39 | $1,902.23 | $813.16 |
10/13/2028 | $287,314.60 | $2,715.39 | $1,896.88 | $818.51 |
11/13/2028 | $286,480.27 | $2,749.76 | $1,915.43 | $834.33 |
12/13/2028 | $285,640.38 | $2,749.76 | $1,909.87 | $839.89 |
01/13/2029 | $284,794.89 | $2,749.76 | $1,904.27 | $845.49 |
02/13/2029 | $283,943.76 | $2,749.76 | $1,898.63 | $851.13 |
03/13/2029 | $283,086.96 | $2,749.76 | $1,892.96 | $856.80 |
04/13/2029 | $282,224.45 | $2,749.76 | $1,887.25 | $862.51 |
05/13/2029 | $281,356.19 | $2,749.76 | $1,881.50 | $868.26 |
06/13/2029 | $280,482.14 | $2,749.76 | $1,875.71 | $874.05 |
07/13/2029 | $279,602.26 | $2,749.76 | $1,869.88 | $879.88 |
08/13/2029 | $278,716.52 | $2,749.76 | $1,864.02 | $885.74 |
09/13/2029 | $277,824.87 | $2,749.76 | $1,858.11 | $891.65 |
10/13/2029 | $276,927.28 | $2,749.76 | $1,852.17 | $897.59 |
11/13/2029 | $276,012.41 | $2,784.13 | $1,869.26 | $914.87 |
12/13/2029 | $275,091.36 | $2,784.13 | $1,863.08 | $921.05 |
01/13/2030 | $274,164.10 | $2,784.13 | $1,856.87 | $927.26 |
02/13/2030 | $273,230.58 | $2,784.13 | $1,850.61 | $933.52 |
03/13/2030 | $272,290.75 | $2,784.13 | $1,844.31 | $939.82 |
04/13/2030 | $271,344.59 | $2,784.13 | $1,837.96 | $946.17 |
05/13/2030 | $270,392.03 | $2,784.13 | $1,831.58 | $952.55 |
06/13/2030 | $269,433.05 | $2,784.13 | $1,825.15 | $958.98 |
07/13/2030 | $268,467.59 | $2,784.13 | $1,818.67 | $965.46 |
08/13/2030 | $267,495.62 | $2,784.13 | $1,812.16 | $971.97 |
09/13/2030 | $266,517.08 | $2,784.13 | $1,805.60 | $978.53 |
10/13/2030 | $265,531.94 | $2,784.13 | $1,798.99 | $985.14 |
11/13/2030 | $264,527.91 | $2,818.50 | $1,814.47 | $1,004.03 |
12/13/2030 | $263,517.02 | $2,818.50 | $1,807.61 | $1,010.89 |
01/13/2031 | $262,499.21 | $2,818.50 | $1,800.70 | $1,017.80 |
02/13/2031 | $261,474.46 | $2,818.50 | $1,793.74 | $1,024.76 |
03/13/2031 | $260,442.70 | $2,818.50 | $1,786.74 | $1,031.76 |
04/13/2031 | $259,403.88 | $2,818.50 | $1,779.69 | $1,038.81 |
05/13/2031 | $258,357.98 | $2,818.50 | $1,772.59 | $1,045.91 |
06/13/2031 | $257,304.92 | $2,818.50 | $1,765.45 | $1,053.06 |
07/13/2031 | $256,244.67 | $2,818.50 | $1,758.25 | $1,060.25 |
08/13/2031 | $255,177.17 | $2,818.50 | $1,751.01 | $1,067.50 |
09/13/2031 | $254,102.38 | $2,818.50 | $1,743.71 | $1,074.79 |
10/13/2031 | $253,020.24 | $2,818.50 | $1,736.37 | $1,082.14 |
11/13/2031 | $251,917.43 | $2,852.87 | $1,750.06 | $1,102.82 |
12/13/2031 | $250,806.98 | $2,852.87 | $1,742.43 | $1,110.45 |
01/13/2032 | $249,688.86 | $2,852.87 | $1,734.75 | $1,118.13 |
02/13/2032 | $248,563.00 | $2,852.87 | $1,727.01 | $1,125.86 |
03/13/2032 | $247,429.35 | $2,852.87 | $1,719.23 | $1,133.65 |
04/13/2032 | $246,287.86 | $2,852.87 | $1,711.39 | $1,141.49 |
05/13/2032 | $245,138.48 | $2,852.87 | $1,703.49 | $1,149.38 |
06/13/2032 | $243,981.15 | $2,852.87 | $1,695.54 | $1,157.33 |
07/13/2032 | $242,815.81 | $2,852.87 | $1,687.54 | $1,165.34 |
08/13/2032 | $241,642.41 | $2,852.87 | $1,679.48 | $1,173.40 |
09/13/2032 | $240,460.90 | $2,852.87 | $1,671.36 | $1,181.51 |
10/13/2032 | $239,271.21 | $2,852.87 | $1,663.19 | $1,189.69 |
11/13/2032 | $238,058.86 | $2,887.25 | $1,674.90 | $1,212.35 |
12/13/2032 | $236,838.03 | $2,887.25 | $1,666.41 | $1,220.83 |
01/13/2033 | $235,608.65 | $2,887.25 | $1,657.87 | $1,229.38 |
02/13/2033 | $234,370.66 | $2,887.25 | $1,649.26 | $1,237.99 |
03/13/2033 | $233,124.01 | $2,887.25 | $1,640.59 | $1,246.65 |
04/13/2033 | $231,868.63 | $2,887.25 | $1,631.87 | $1,255.38 |
05/13/2033 | $230,604.47 | $2,887.25 | $1,623.08 | $1,264.17 |
06/13/2033 | $229,331.45 | $2,887.25 | $1,614.23 | $1,273.01 |
07/13/2033 | $228,049.53 | $2,887.25 | $1,605.32 | $1,281.93 |
08/13/2033 | $226,758.63 | $2,887.25 | $1,596.35 | $1,290.90 |
09/13/2033 | $225,458.69 | $2,887.25 | $1,587.31 | $1,299.94 |
10/13/2033 | $224,149.66 | $2,887.25 | $1,578.21 | $1,309.04 |
11/13/2033 | $222,815.77 | $2,921.62 | $1,587.73 | $1,333.89 |
12/13/2033 | $221,472.43 | $2,921.62 | $1,578.28 | $1,343.34 |
01/13/2034 | $220,119.57 | $2,921.62 | $1,568.76 | $1,352.85 |
02/13/2034 | $218,757.14 | $2,921.62 | $1,559.18 | $1,362.44 |
03/13/2034 | $217,385.05 | $2,921.62 | $1,549.53 | $1,372.09 |
04/13/2034 | $216,003.24 | $2,921.62 | $1,539.81 | $1,381.81 |
05/13/2034 | $214,611.64 | $2,921.62 | $1,530.02 | $1,391.60 |
06/13/2034 | $213,210.19 | $2,921.62 | $1,520.17 | $1,401.45 |
07/13/2034 | $211,798.81 | $2,921.62 | $1,510.24 | $1,411.38 |
08/13/2034 | $210,377.44 | $2,921.62 | $1,500.24 | $1,421.38 |
09/13/2034 | $208,945.99 | $2,921.62 | $1,490.17 | $1,431.44 |
10/13/2034 | $207,504.41 | $2,921.62 | $1,480.03 | $1,441.58 |
11/13/2034 | $206,035.53 | $2,955.99 | $1,487.11 | $1,468.88 |
12/13/2034 | $204,556.13 | $2,955.99 | $1,476.59 | $1,479.40 |
01/13/2035 | $203,066.13 | $2,955.99 | $1,465.99 | $1,490.00 |
02/13/2035 | $201,565.44 | $2,955.99 | $1,455.31 | $1,500.68 |
03/13/2035 | $200,054.01 | $2,955.99 | $1,444.55 | $1,511.44 |
04/13/2035 | $198,531.74 | $2,955.99 | $1,433.72 | $1,522.27 |
05/13/2035 | $196,998.56 | $2,955.99 | $1,422.81 | $1,533.18 |
06/13/2035 | $195,454.39 | $2,955.99 | $1,411.82 | $1,544.17 |
07/13/2035 | $193,899.16 | $2,955.99 | $1,400.76 | $1,555.23 |
08/13/2035 | $192,332.78 | $2,955.99 | $1,389.61 | $1,566.38 |
09/13/2035 | $190,755.17 | $2,955.99 | $1,378.38 | $1,577.61 |
10/13/2035 | $189,166.26 | $2,955.99 | $1,367.08 | $1,588.91 |
11/13/2035 | $187,547.36 | $2,990.36 | $1,371.46 | $1,618.91 |
12/13/2035 | $185,916.71 | $2,990.36 | $1,359.72 | $1,630.64 |
01/13/2036 | $184,274.25 | $2,990.36 | $1,347.90 | $1,642.47 |
02/13/2036 | $182,619.87 | $2,990.36 | $1,335.99 | $1,654.37 |
03/13/2036 | $180,953.50 | $2,990.36 | $1,323.99 | $1,666.37 |
04/13/2036 | $179,275.06 | $2,990.36 | $1,311.91 | $1,678.45 |
05/13/2036 | $177,584.44 | $2,990.36 | $1,299.74 | $1,690.62 |
06/13/2036 | $175,881.56 | $2,990.36 | $1,287.49 | $1,702.87 |
07/13/2036 | $174,166.34 | $2,990.36 | $1,275.14 | $1,715.22 |
08/13/2036 | $172,438.69 | $2,990.36 | $1,262.71 | $1,727.66 |
09/13/2036 | $170,698.50 | $2,990.36 | $1,250.18 | $1,740.18 |
10/13/2036 | $168,945.71 | $2,990.36 | $1,237.56 | $1,752.80 |
11/13/2036 | $167,159.91 | $3,024.73 | $1,238.94 | $1,785.80 |
12/13/2036 | $165,361.01 | $3,024.73 | $1,225.84 | $1,798.89 |
01/13/2037 | $163,548.93 | $3,024.73 | $1,212.65 | $1,812.09 |
02/13/2037 | $161,723.55 | $3,024.73 | $1,199.36 | $1,825.38 |
03/13/2037 | $159,884.79 | $3,024.73 | $1,185.97 | $1,838.76 |
04/13/2037 | $158,032.55 | $3,024.73 | $1,172.49 | $1,852.25 |
05/13/2037 | $156,166.72 | $3,024.73 | $1,158.91 | $1,865.83 |
06/13/2037 | $154,287.21 | $3,024.73 | $1,145.22 | $1,879.51 |
07/13/2037 | $152,393.91 | $3,024.73 | $1,131.44 | $1,893.29 |
08/13/2037 | $150,486.73 | $3,024.73 | $1,117.56 | $1,907.18 |
09/13/2037 | $148,565.57 | $3,024.73 | $1,103.57 | $1,921.16 |
10/13/2037 | $146,630.32 | $3,024.73 | $1,089.48 | $1,935.25 |
11/13/2037 | $144,658.72 | $3,059.11 | $1,087.51 | $1,971.60 |
12/13/2037 | $142,672.50 | $3,059.11 | $1,072.89 | $1,986.22 |
01/13/2038 | $140,671.55 | $3,059.11 | $1,058.15 | $2,000.95 |
02/13/2038 | $138,655.75 | $3,059.11 | $1,043.31 | $2,015.79 |
03/13/2038 | $136,625.01 | $3,059.11 | $1,028.36 | $2,030.74 |
04/13/2038 | $134,579.21 | $3,059.11 | $1,013.30 | $2,045.80 |
05/13/2038 | $132,518.23 | $3,059.11 | $998.13 | $2,060.98 |
06/13/2038 | $130,441.97 | $3,059.11 | $982.84 | $2,076.26 |
07/13/2038 | $128,350.31 | $3,059.11 | $967.44 | $2,091.66 |
08/13/2038 | $126,243.13 | $3,059.11 | $951.93 | $2,107.17 |
09/13/2038 | $124,120.33 | $3,059.11 | $936.30 | $2,122.80 |
10/13/2038 | $121,981.78 | $3,059.11 | $920.56 | $2,138.55 |
11/13/2038 | $119,803.17 | $3,093.48 | $914.86 | $2,178.61 |
12/13/2038 | $117,608.21 | $3,093.48 | $898.52 | $2,194.95 |
01/13/2039 | $115,396.80 | $3,093.48 | $882.06 | $2,211.42 |
02/13/2039 | $113,168.80 | $3,093.48 | $865.48 | $2,228.00 |
03/13/2039 | $110,924.08 | $3,093.48 | $848.77 | $2,244.71 |
04/13/2039 | $108,662.54 | $3,093.48 | $831.93 | $2,261.55 |
05/13/2039 | $106,384.03 | $3,093.48 | $814.97 | $2,278.51 |
06/13/2039 | $104,088.43 | $3,093.48 | $797.88 | $2,295.60 |
07/13/2039 | $101,775.62 | $3,093.48 | $780.66 | $2,312.81 |
08/13/2039 | $99,445.46 | $3,093.48 | $763.32 | $2,330.16 |
09/13/2039 | $97,097.82 | $3,093.48 | $745.84 | $2,347.64 |
10/13/2039 | $94,732.57 | $3,093.48 | $728.23 | $2,365.24 |
11/13/2039 | $92,323.11 | $3,127.85 | $718.39 | $2,409.46 |
12/13/2039 | $89,895.38 | $3,127.85 | $700.12 | $2,427.73 |
01/13/2040 | $87,449.24 | $3,127.85 | $681.71 | $2,446.14 |
02/13/2040 | $84,984.54 | $3,127.85 | $663.16 | $2,464.69 |
03/13/2040 | $82,501.16 | $3,127.85 | $644.47 | $2,483.38 |
04/13/2040 | $79,998.94 | $3,127.85 | $625.63 | $2,502.22 |
05/13/2040 | $77,477.75 | $3,127.85 | $606.66 | $2,521.19 |
06/13/2040 | $74,937.44 | $3,127.85 | $587.54 | $2,540.31 |
07/13/2040 | $72,377.87 | $3,127.85 | $568.28 | $2,559.57 |
08/13/2040 | $69,798.88 | $3,127.85 | $548.87 | $2,578.98 |
09/13/2040 | $67,200.34 | $3,127.85 | $529.31 | $2,598.54 |
10/13/2040 | $64,582.10 | $3,127.85 | $509.60 | $2,618.25 |
11/13/2040 | $61,915.00 | $3,162.22 | $495.13 | $2,667.09 |
12/13/2040 | $59,227.46 | $3,162.22 | $474.68 | $2,687.54 |
01/13/2041 | $56,519.32 | $3,162.22 | $454.08 | $2,708.14 |
02/13/2041 | $53,790.41 | $3,162.22 | $433.31 | $2,728.91 |
03/13/2041 | $51,040.58 | $3,162.22 | $412.39 | $2,749.83 |
04/13/2041 | $48,269.67 | $3,162.22 | $391.31 | $2,770.91 |
05/13/2041 | $45,477.52 | $3,162.22 | $370.07 | $2,792.15 |
06/13/2041 | $42,663.96 | $3,162.22 | $348.66 | $2,813.56 |
07/13/2041 | $39,828.83 | $3,162.22 | $327.09 | $2,835.13 |
08/13/2041 | $36,971.96 | $3,162.22 | $305.35 | $2,856.87 |
09/13/2041 | $34,093.19 | $3,162.22 | $283.45 | $2,878.77 |
10/13/2041 | $31,192.35 | $3,162.22 | $261.38 | $2,900.84 |
11/13/2041 | $28,237.49 | $3,196.59 | $241.74 | $2,954.85 |
12/13/2041 | $25,259.74 | $3,196.59 | $218.84 | $2,977.75 |
01/13/2042 | $22,258.91 | $3,196.59 | $195.76 | $3,000.83 |
02/13/2042 | $19,234.82 | $3,196.59 | $172.51 | $3,024.09 |
03/13/2042 | $16,187.30 | $3,196.59 | $149.07 | $3,047.52 |
04/13/2042 | $13,116.16 | $3,196.59 | $125.45 | $3,071.14 |
05/13/2042 | $10,021.21 | $3,196.59 | $101.65 | $3,094.94 |
06/13/2042 | $6,902.28 | $3,196.59 | $77.66 | $3,118.93 |
07/13/2042 | $3,759.18 | $3,196.59 | $53.49 | $3,143.10 |
08/13/2042 | $591.72 | $3,196.59 | $29.13 | $3,167.46 |
09/13/2042 | $-2,600.29 | $3,196.59 | $4.59 | $3,192.01 |
10/13/2042 | $-5,817.03 | $3,196.59 | $-20.15 | $3,216.75 |
11/13/2042 | $-9,093.56 | $3,230.97 | $-45.57 | $3,276.53 |
12/13/2042 | $-12,395.76 | $3,230.97 | $-71.23 | $3,302.20 |
01/13/2043 | $-15,723.83 | $3,230.97 | $-97.10 | $3,328.07 |
02/13/2043 | $-19,077.96 | $3,230.97 | $-123.17 | $3,354.14 |
03/13/2043 | $-22,458.37 | $3,230.97 | $-149.44 | $3,380.41 |
04/13/2043 | $-25,865.26 | $3,230.97 | $-175.92 | $3,406.89 |
05/13/2043 | $-29,298.84 | $3,230.97 | $-202.61 | $3,433.58 |
06/13/2043 | $-32,759.31 | $3,230.97 | $-229.51 | $3,460.47 |
07/13/2043 | $-36,246.89 | $3,230.97 | $-256.61 | $3,487.58 |
08/13/2043 | $-39,761.79 | $3,230.97 | $-283.93 | $3,514.90 |
09/13/2043 | $-43,304.23 | $3,230.97 | $-311.47 | $3,542.43 |
10/13/2043 | $-46,874.41 | $3,230.97 | $-339.22 | $3,570.18 |
11/13/2043 | $-50,510.84 | $3,265.34 | $-371.09 | $3,636.43 |
12/13/2043 | $-54,176.05 | $3,265.34 | $-399.88 | $3,665.22 |
01/13/2044 | $-57,870.28 | $3,265.34 | $-428.89 | $3,694.23 |
02/13/2044 | $-61,593.76 | $3,265.34 | $-458.14 | $3,723.48 |
03/13/2044 | $-65,346.72 | $3,265.34 | $-487.62 | $3,752.96 |
04/13/2044 | $-69,129.38 | $3,265.34 | $-517.33 | $3,782.67 |
05/13/2044 | $-72,941.99 | $3,265.34 | $-547.27 | $3,812.61 |
06/13/2044 | $-76,784.79 | $3,265.34 | $-577.46 | $3,842.80 |
07/13/2044 | $-80,658.01 | $3,265.34 | $-607.88 | $3,873.22 |
08/13/2044 | $-84,561.89 | $3,265.34 | $-638.54 | $3,903.88 |
09/13/2044 | $-88,496.67 | $3,265.34 | $-669.45 | $3,934.79 |
10/13/2044 | $-92,462.61 | $3,265.34 | $-700.60 | $3,965.94 |
TOTAL: | - | $705,312.95 | $292,264.74 | $413,048.21 |
Change options for different scenario in the form below:
Lender | APR (%)? | Monthly Payment? | Learn More |
---|---|---|---|
Third Federal Savings and Loan Equal Housing Lender |
Intro APR 7.490 % After Intro: 7.490 % |
$0 | Learn More |
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AmeriSave Mortgage Corporation |
Home Equity Lines, Refinance, & Second Mortgages | Learn More | |
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Upstart |
As low as 8.25% APR on your initial draw* | Learn More | |
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CrossCountry Mortgage, LLC |
"Unlock Your Home's Potential" | Learn More | |
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Figure Home Equity Line Equal Housing Lender |
HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online. | Learn More | |
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District Lending |
No Lender Fees | Learn More | |
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details. |