Consumer Loan Rates

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Rates effective February 1, 2017Apply294Blue

HOME EQUITY FLEX
No Closing Costs or Application Fee!
Fix a portion or ALL of your Credit Line!*
Fixed rate.
Term Initial Interest Rate** APR*
6 Months 1.65% 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. After the initial rate the rate will adjust 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.
Term Interest Rate LTV APR* Payment Per $1,000
5 Years 3.99% 80% 3.99% $18.41
10 Years 4.99% 80% 4.99% $10.60
15 Years 5.99% 80% 5.99% $8.43

 

NEW CAR LOAN PURCHASES
Minimum 5% down payment (cash or trade).  Not to exceed 95% of NADA Retail Value
Interest Rate APR* Maximum Term Payment Per $1,000
2.99% 2.99% 36 Months $29.08
3.49% 3.49% 48 Months $22.36
3.99% 3.99% 60 Months $18.41

 

USED CAR LOAN PURCHASES
Minimum 5% down payment (cash or trade). Not to exceed 95% of NADA Retail Value.
Model Year Interest Rate APR* Maximum Term Payment Per $1,000
2014 & 2015 4.25% 4.25% 60 Months $18.53
2013 & 2012 5.75% 5.75% 48 Months $23.37
2005 to 2011 5.99% 5.99% 36 Months $30.42
2004 & older 7.99% 7.99% 36 Months $31.33
Autos 2003 & older not to exceed 95% of NADA Trade-in Value.

 

OTHER LOANS
Loan Type 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
Secured Loans (RBT deposit account as collateral) Savings or CD Rate + 3.00% Loan may not exceed 100% of savings or CD value.

 

NMLS #769125