Home Equity & Consumer Loan Rates

Rollstone Bank & Trust, where you matter most.

Rates effective December 1, 2022. Subject to change. Current Prime is 7.000% as quoted in the Wall Street Journal.

HOME EQUITY FLEX

No Closing Costs or Application Fee. Fix a portion or all of your Credit Line.

Term Initial Interest Rate* APR**
6 Month Fixed 2.99% 6.50%

FIXED FLEX RATES

Term Interest Rate LTV APR Payment Per $1,000
5 Years 5.50% 80% 5.50% $19.11
10 Years 6.50% 80% 6.50% $11.36
15 Years 7.50% 80% 7.50% $9.27
Property must be owner-occupied as year-round residence. Hazard insurance is required. Flood insurance may be required. Appraisal, inspection, discharge, or trust review fees may apply. These fees generally total between $0 and $1,000. If you ask, we will give you an itemization of the fees you may have to pay to third parties. An early termination fee applies for equity lines of credit closed within 36 months of opening the line of credit. All loans are subject to approval, other conditions may apply.
*The initial rate may be discounted. The Annual Percentage Rate (APR) is subject to increase and is based on an index, which is the Wall Street Journal Prime. The maximum APR is 18%. The minimum APR is 4.5%.
**After the initial fixed term, the rate will go to Prime minus .50%, with a floor of 4.50%.
Fixed portion can be locked for terms of 5 to 15 years with annual percentage rates of 5.50% to 7.50%. A maximum of three fixed portions are available simultaneously.

AUTO LOANS

Credit Score 730+ 680 - 729 660 - 679
Term
(in months)
Rate / APR Payment Per $1,000 Rate / APR Payment Per $1,000 Rate / APR Payment Per $1,000
24 3.99% / 3.99% $44.24 4.50% / 4.50% $44.47 8.49% / 8.49% $46.30
36 3.99% / 3.99% $30.08 4.50% / 4.50% $30.31 8.49% / 8.49% $32.16
48 3.99% / 3.99% $23.00 4.50% / 4.50% $23.24 8.49% / 8.49% $25.10
60 4.50% / 4.50% $19.00 5.00% / 5.00% $19.23 9.25% / 9.25% $21.27
Subject to underwriting guidelines. Minimum 5% down payment (cash or trade). Not to exceed 95% of NADA Retail Value.
Autos 2012 & older; not to exceed 90% of NADA Trade-in Value.

OTHER LOANS

Loan Type Interest Rate & 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.

 

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