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Rates as of February 3, 2012. Prime is 3.25% as of December 16, 2008 as quoted in the Wall Street Journal
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HOME EQUITY FLEX
No Closing Costs or Application Fee!
Fix a portion or ALL of your Credit Line!*
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| Fixed rate. No closing costs or application fee. |
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Revolving
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Initial Interest Rate*
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APR*
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6 months
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1.99%
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4.50%
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3 years
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2.99%
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4.50%
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| *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. After the initial rate the rate will go to Prime minus .50% with a floor of 4.50%. The maximum APR is 18%. The minimum APR is 4.5%. Hazard insurance is required. Flood insurance may be required. Appraisal or inspection fees may apply. Trust review fees may apply. Fixed portion can be locked for terms of 1 to 15 years with annual percentage rates of 3.99% to 5.99%. A maximum of three fixed portions are available simultaneously. |
| Fixed Flex Rates |
| Fixed rate. Property must be owner-occupied as year-round residence. |
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Fixed
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Interest Rate
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LTV
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APR
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Payment/$1,000
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5 years
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3.99%
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75%
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3.99%
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$18.41
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10 years
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4.99%
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75%
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4.99%
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$10.60
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15 years
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5.99%
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75%
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5.99%
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$8.43
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| . |
| NEW CAR LOAN PURCHASES |
| Minimum 10% down payment (cash or trade). Not to exceed 90% of NADA Retail Value. |
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Interest Rate
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APR
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Maximum Term
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Payment/$1,000
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4.99%
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4.99%
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36 months
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$29.97
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5.49%
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5.49%
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48 months
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$23.25
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5.75%
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5.75%
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60 months
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$19.22
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| USED CAR LOAN PURCHASES |
| Minimum 10% down payment (cash or trade). Not to exceed 90% of NADA Retail Value. |
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Model Year
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Interest Rate
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APR
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Maximum Term
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Payment/$1,000
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2011 & 2010
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5.99%
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5.99%
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60 Months
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$19.33
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2009 & 2008
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6.25%
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6.25%
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48 Months
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$23.60
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2007-2003
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6.49%
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6.49%
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36 Months
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$30.64
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2002 & older
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9.99%
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9.99%
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36 Months
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$32.26
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| Autos 2001 & older not to exceed 90% of NADA Trade-in Value. |
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Other Loans
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Interest Rate and APR
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Other
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ELOC (Easy Line of Credit Overdraft Protection)
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- Prime + 5.00%.
- Minimum monthly payment must be automatically deducted from a Rollstone Bank & Trust checking account.
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- Minimum: $500.
- Maximum: $3,000
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Passbook Loans
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Passbook Rate + 3.00%
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Loan may not exceed 100% of passbook value.
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