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Rates Effective: September 01, 2010
2009 - 2011 Auto and Motorcycle ****Promo****
Used Auto and Motorcycle (2008 and older)
Boats and Recreational Vehicles
Personal Loans
Overdraft Protection Line of Credit
Home Equity Lines of Credit
Home Equity Fixed Rate Term Loans
Promotional Rates are for the purchase of a new 2009 through 2011 automobile or motorcycle.
Promotional Rates are valid for applications received from September 1, 2010 through September 30, 2010. Interest rates may vary depending on credit score, down payment, loan amount, and other underwriting factors. Applications are subject to credit approval.
| Up to 72 months |
3.99% |
4.16% |
4.99% |
5.17% |
*ANNUAL PERCENTAGE RATE (APR) is based in a $10,000 loan amount and a $50 loan processing fee.
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| Up to 60 months |
6.99% |
7.31% |
*ANNUAL PERCENTAGE RATE (APR) is based in a $10,000 loan amount and a $75 loan processing fee
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| Up to 60 months |
7.99% |
8.32% |
*ANNUAL PERCENTAGE RATE (APR) is based in a $10,000 loan amount and a $75 loan processing fee
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| Up to 12 months |
12.50% |
15.33% |
| Up to 24 months |
15.00% |
17.84% |
*ANNUAL PERCENTAGE RATE (APR) is based in a $5,000 loan amount and a $75 loan processing fee
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*ANNUAL PERCENTAGE RATES (APR) based on a $5,000 loan amount, $0 Loan Processing Fees.
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| $5,000 - $250,000 |
WSJ Prime + .00% |
5.00% |
*Annual Percentage Rate (APR) is based upon the Wall Street Journal Prime Rate. Information about the Wall Street Journal Prime Rate is available in the WALL STREET JOURNAL. The Wall Street Journal Prime Rate as of 8/28/2010 is currently 3.25%. Rates are subject to change at any time. An Interest Rate Floor of 5.00% and an Interest Rate Ceiling of 18.00% will apply to all Home Equity Credit Lines. Minimum payment is the amount of accrued interest during statement cycle. Refer to application disclosures for further loan details and payment examples. Third party fees will range from $231.00 to $1,485.00. A $50 Annual Fee applies to all Home Equity Lines of Credit. This fee is waived the first year. Eligible properties must be owner occupied. Maximum Term: 60 months. Maximum Loan to Value: 75%
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| $10,000 - $24,999 |
7.50% |
8.347 |
*Annual Percentage Rate (APR) is based on a $10,000 loan. Refer to application disclosures for further program details. $199 Loan Processing fee applies to all Home Equity Fixed Rate Loans. Third party fees will range from $231.00 to $1,485.00. Eligible properties must be owner occupied. Maximum Term: 60 months. Maximum Amortization: 180 months. Maximum Loan to Value: 75%
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Published rates are established for borrowers meeting the banks qualification criteria and subject to credit approval. Bank reserves the right to adjust rates based on underwriting factors.
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