|
Rates as of August 29, 2008. Prime is 5.00% as of May 1, 2008 as quoted in the Wall Street Journal
| HOME EQUITY CREDIT LINES |
| Fixed rate. No closing costs or application fee. |
|
Term
|
Initial Interest Rate APR*
|
Fully Indexed APR
|
|
3 years
|
5.50%
|
4.50% (Prime minus .50%)
|
|
6 months
|
4.99%
|
4.50% (Prime minus .50%)
|
| *The initial rate may be discounted. The APR is subject to increase and is based on an index which is the Wall St. Journal Prime. The maximum APR is 18%. The minimum APR is 4.5% A private mortgage insurace fee of 2.5% of the line is required for lines over 80% loan-to-value. |
| HOME EQUITY LOANS |
| Fixed rate. Property must be owner-occupied as year-round residence. |
|
Term
|
Interest Rate
|
LTV
|
APR*
|
Payment/$1,000
|
|
5 years
|
5.99%
|
80%
|
5.99%
|
$19.33
|
|
10 years
|
6.49%
|
80%
|
6.49%
|
$11.35
|
|
15 years
|
6.75%
|
80%
|
6.75%
|
$8.85
|
|
20 years
|
7.25%
|
80%
|
7.25%
|
$7.90
|
| *Rates and APRs shown reflect a 1/2% rate reduction for automatic payment deduction from a Rollstone Bank & Trust Checking or Statement Savings Account. |
| NEW CAR LOAN PURCHASES |
| Minimum 10% down payment (cash or trade). Not to exceed 90% of NADA Retail Value. |
|
Interest Rate*
|
APR*
|
Maximum Term
|
Payment/$1,000
|
|
5.50%
|
5.50%
|
24 months
|
$44.10
|
|
5.99%
|
5.99%
|
36 months
|
$30.42
|
|
5.99%
|
5.99%
|
48 months
|
$23.48
|
|
6.25%
|
6.25%
|
60 months
|
$19.45
|
| *Rates and APRs reflect a 1.00% rate reduction for automatic payment deduction from a Rollstone Bank & Trust Checking or Statement Savings account. |
| USED CAR LOAN PURCHASES |
| Minimum 10% down payment (cash or trade). Not to exceed 90% of NADA Retail Value. |
|
Model Year
|
Interest Rate*
|
APR*
|
Maximum Term
|
Payment/$1,000
|
|
2007 & 2006
|
6.50%
|
6.50%
|
60 Months
|
$19.57
|
|
2005 & 2004
|
6.50%
|
6.50%
|
48 Months
|
$23.71
|
|
2003
|
6.99%
|
6.99%
|
36 Months
|
$30.87
|
|
2002-1999
|
7.99%
|
7.99%
|
36 Months
|
$31.33
|
|
1998 & older
|
11.50%
|
11.50%
|
36 Months
|
$32.98
|
| *Rates & APRs reflect a 1.00% rate reduction for automatic payment deduction from a Rollstone Bank & Trust Checking or Statement Savings Account. Autos 1998 & older not to exceed 90% of NADA Trade-in Value. |
|
Other Loans
|
Interest Rate and APR
|
Other
|
|
ELOC (Easy Line of Credit Overdraft Protection)
|
- Prime + 5.00%.
- Minimum monthly payment must be automatically deducted from a Rollstone Bank & Trust checking account.
|
- Minimum: $500.
- Maximum: $3,000
|
|
Passbook Loans
|
Passbook Rate + 3.00%
|
Loan may not exceed 100% of passbook value.
|
|
