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Consumer Loan Rates


Rates as of August 27, 2010.
Prime is 3.25% as of December 16, 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*

3 years

5.50%

4.50%

6 months

4.99%

4.50%

*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%

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%

75%

5.99%

$19.33

10 years

6.49%

75%

6.49%

$11.35

15 years

6.75%

75%

6.75%

$8.85

20 years

7.25%

75%

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

2009 & 2008

6.50%

6.50%

60 Months

$19.57

2007 & 2006

6.50%

6.50%

48 Months

$23.71

2005

6.99%

6.99%

36 Months

$30.87

2004-2001

7.99%

7.99%

36 Months

$31.33

2000 & 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 2000 & 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.

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