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Consumer Loan Rates
Please REFRESH this page each time you visit to
be
sure you have the latest information.
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Effective
May 9, 2008 |
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Personal : Fixed
Rates Loan amt. Maximum $10,000.00 Minimum $500.00 |
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Without Discount |
With Discount* |
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TERMS |
RATE |
APR |
RATE |
APR |
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12-60 mo |
14.000% |
14.000% |
13.750% |
13.750% |
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Please keep term to 6 month increments |
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* Discounted with auto-payment from a TSB
account, auto transfer must be maintained for the life
of the loan. |
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Auto Loans:
Fixed New Autos (not previously titled & less
than 12,000 miles) Down payment 20% of purchase price
(no add on's, ie., taxes, dealer prep) or, 10% of
purchase price (no add on's) for term of 36 months or
less. Loan amt. Maximum $40,000.00 . Minimum $2,500.00 |
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Without Discount |
With Discount* |
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TERMS |
RATE |
APR |
RATE |
APR |
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36 mo. or less |
6.250% |
6.250% |
6.000% |
6.000% |
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48 mo. or less |
6.750% |
6.750% |
6.500% |
6.500% |
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72 mo. or less |
7.250% |
7.250% |
7.000% |
7.000% |
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* Discounted with auto-payment from a TSB
account, auto transfer must be maintained for the life
of the loan. |
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Used Autos:
Down payment of 20% of purchase price or NADA avg. loan
(utilizing the lesser of the two) Loan Amt. Maximum
$20,000 Minimum $2,500 (no
add on, ie., taxes, dealer prep) |
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Without Discount |
With Discount* |
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TERMS |
RATE |
APR |
RATE |
APR |
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Used auto 2004 & Newer |
48 mo. or less |
7.500% |
7.500% |
7.250% |
7.250% |
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Used auto 2002 & 2003 |
36 mo. or less |
7.750% |
7.750% |
7.500% |
7.500% |
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* Discounted with auto-payment from a TSB
account, auto transfer must be maintained for the life
of the loan. |
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Collateral Loans:
Minimum $500.00 TSB accounts - 2.00%
above rate being paid on The TSB passbook account
securing the loan. |
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HOME EQUITY LOANS-
OWNER
OCCUPIED |
Loan Amounts of $20,000 to
$200,000.00, No Application Fee-No Closing
Costs.
Available for 1st Lien
or 2nd Lien, Prepayment Penalty in effect First Two Years
on Home Equities. |
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FIXED RATE HOME
EQUITY LOANS |
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TERM |
Max LTV |
RATE |
APR |
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5 years |
80% |
6.250% |
6.250% |
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10 years |
80% |
6.500% |
6.500% |
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15 years |
80% |
6.750% |
6.750% |
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ADJUSTABLE RATE
HOME EQUITY LINE OF CREDIT-HELOC |
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TERM |
Max LTV |
RATE |
APR |
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359 Months |
80% |
Prime-1.000% |
4.000% |
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Draw period - 9 years 11 months
- Repayment period 20 years
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A) an example of an
Unsecured Personal Loan Fixed rate 12 month term
$1,000.00 loan with an APR of 13.750% you will
make 12 payments of $89.67.
B) an example of an
Auto Loan Fixed Rate for new autos 36 month term
$10,000.00 loan with an APR of 6.000% you will make 36
monthly payments of $304.22.
C) an example of
an Auto Loan: Fixed Rate for used autos 36 month
term $10,000.00 loan with an APR of 7.250% you will
make 36
monthly payments of $309.92.
D)
an
example of a Collateral Loan: A regular passbook
savings account with an interest rate of .60% for a
$500.00 loan, the APR would be 2.60% and you will
make quarterly interest payments of $3.25.
E) Fixed Home
Equity Loan: example fixed rate 10
years term 50,000.00 loan with an APR of 6.50% you
will make 120 payments of $567.74.
Home Equity Lines of
Credit have a $50.00
annual membership fee which is assessed after the
first year. Adjustable rate means that the interest
rate may change. The maximum annual percentage rate
is 18.00% APR, Home owners insurance is required on
property. Interest may be tax deductible, consult
your tax advisor.
Please contact a customer
service representative for rate and product
information. Interest Rates, APR (Annual Percentage
Rate), Points, Fees and Conditions are Subject to
Change Without Notice. Rates on this page will not
be honored at any time after a rate change.
ANYONE
INTERESTED IN APPLYING FOR FINANCING WILL BE
FURNISHED WITH APPLICABLE TRUTH IN LENDING
DISCLOSURES AND OTHER PERTINENT INFORMATION AS
REQUIRED.
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