CONSUMER LOAN RATES
EFFECTIVE AS OF JULY 26, 2010
FIXED RATE HOME EQUITY LOANS
|
TERM |
FIRST LIEN
RATE APR* |
MONTHLY PAYMENT PER $1,000 BORROWED |
|
JUNIOR LIEN
RATE APR* |
MONTHLY PAYMENT PER $1,000 BORROWED |
|
60 MONTHS |
5.50% 5.518% |
$19.10 |
|
6.00% 6.092% |
$19.33 |
|
120 MONTHS |
5.60% 5.610% |
$10.90 |
|
6.15% 6.199% |
$11.18 |
|
180 MONTHS |
5.60% 5.607%
|
$8.22 |
|
6.15% 6.185% |
$8.52 |
|
240 MONTH AMORT. 180 MONTH TERM |
5.60% 5.606%
|
$6.94
|
|
6.15% 6.179% |
$7.25 |
HOME EQUITY SPECIAL: NO FEES**
**If loan amount is $100,000 or greater, appraisal will be at customer’s expense. Loan-to-value must not exceed 80%.
*APR=Annual Percentage Rate for primary residence based on a minimum loan amount of $5,000. Monthly Payments shall be deducted automatically from a First Keystone National Bank deposit account. Property insurance is required.
Call for rates for non-owner occupied and land loans.
HOMELINE (HOME EQUITY LINE OF CREDIT)
|
TERM |
RATE |
MONTHLY PAYMENT |
APR (ANNUAL PERCENTAGE RATE) |
|
SEE BELOW* |
CURRENTLY 5.00% |
VARIES |
5.000% |
*Floating rate based on Wall Street Journal Prime Rate. Floor of 5% with a maximum of 18%. Rate adjusts quarterly. $15 annual fee. Minimum line of credit is $10,000. Principal and interest vary monthly as billed. Revolving: 10-year draw period, then
10-year amortized repayment period. Rate may be reduced .25% with automatic payment from FKNB account. Property insurance is required.
YOU CAN NOW CLICK ON “MORTGAGES” ON THE MAIN PAGE TO ACCESS OUR CURRENT MORTGAGE RATES!
PERSONAL UNSECURED LOANS
|
MINIMUM LOAN AMOUNT |
TERM |
RATE |
MONTHLY PAYMENT PER $1,000 BORROWED |
APR (ANNUAL PERCENTAGE RATE) |
|
$1,000 to $5,000 |
12 to 60 Months |
11.75% |
$88.73 - $22.12 |
11.75% |
*Rates are quoted based on automatic payment from a FKNB deposit account. Without automatic payment, add .25% to the above rate.
VEHICLE LOANS
|
VEHICLE LOAN TYPE |
TERM |
RATE |
MONTHLY PAYMENT PER $1,000 BORROWED |
APR (ANNUAL PERCENTAGE RATE) |
|
NEW AUTO |
12 TO 60 MONTHS |
6.00% |
$86.07 - $19.34 |
6.000%* |
|
NEW AUTO |
61 TO 72 MONTHS |
6.50% |
$19.30 - $16.81 |
6.500%* |
|
USED AUTO |
12 TO 48 MONTHS |
6.75% |
$86.42 - $23.84 |
6.750%* |
|
USED AUTO |
49 TO 60 MONTHS |
7.00% |
$23.53 - $19.81 |
7.000%* |
|
NEW MOTORCYCLE |
12 TO 60 MONTHS |
7.00% |
$86.53 - $19.81 |
7.000%* |
|
USED MOTORCYCLE |
12 TO 48 MONTHS |
8.25% |
$87.11 - $24.54 |
8.250%* |
*Rates quoted are based on automatic payment from an FKNB account. Without automatic payment, add .25% to rate. Vehicle insurance is required.
CASHLINE
|
TERM |
RATE |
MONTHLY PAYMENT |
CURRENT APR (ANNUAL PERCENTAGE RATE) |
|
SEE BELOW* |
CURRENTLY 6.25% |
Minimum $20 when balance is present |
6.25% |
*Cashline is a personal line of credit tied to your FKNB checking account. Monthly payment is automatically taken from this checking account. Rate is based on the Wall Street Journal Prime Rate plus 3%. Rate adjusts quarterly. $15 annual fee.
ALL LOANS: Terms, conditions and rates subject to change at any time. All loans are subject to credit approval. Please contact your local branch office or call toll free, 888-759-2266 for additional information or questions.