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Rates Effective 07/29/10
Fixed Rate Mortgages*|
Home Equity Line of Credit*|
Home Equity Installment Loan*|
Adjustable Rate Mortgages*|
Personal Installment Loan|
Automobile Loan|
Debt Consolidation Loan|
Overdraft Protection
20% Down Payment
Actual interest rates and APRs may vary based on credit history, appraised value, determination of mortgage insurance availability and mortgage program. Ask us about mortgage rate buydowns.
| 10 Year Mortgage |
120 Months |
4.000% |
$10.12 |
| 15 Year Mortgage |
180 Months |
4.000% |
$7.40 |
| 20 Year Mortgage |
240 Months |
4.500% |
$6.33 |
| 30 Year Mortgage |
360 Months |
4.500% |
$5.07 |
*Application fee may apply. Rates subject to change without notice.
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| First 10 Years - Interest Only |
240 Months |
3.25% |
$2.76 |
* Application fee may apply.
+ Annual Percentage Rate (APR) will vary. APR may increase or decrease after consummation of loan. The maximum APR allowed by law is 18%
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The Annual Percentage Rate (APR) remains fixed for the term of the loan
| 1-5 Years |
60 Months |
5.330% |
$19.02 |
| 5-10 Years |
120 Months |
5.660% |
$10.93 |
| 10-15 Years |
180 Months |
6.160% |
$8.53 |
*For qualifying properties with loan -to-value of 80% or less, loans of $5,000 or more. Application fee of $100 on loan requests under $10,000.
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| 1/1 ARM (1) |
360 |
3.870% |
$4.70 |
| 3/1 ARM (2) |
360 |
4.070% |
$4.81 |
| 5/1 ARM (3) |
360 |
4.350% |
$4.98 |
| 7/1 ARM (4) |
360 |
4.610% |
$5.13 |
* Application fee may apply.
+ Annual Percentage Rate (APR) may increase or decrease after consummation of loan.
(1) Rate adjustment will occur annually.
(2) Rate adjustment will occur annually after the fixed period of 3 years.
(3) Rate adjustment will occur annually after the fixed period of 5 years.
(4) Rate adjustment will occur annually after the fixed period of 7 years.
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Maximum unsecured loan $10,000
| Secured Loan |
60 Months |
as low as 7.78% |
$20.17 |
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48 Months |
as low as 7.58% |
$24.22 |
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36 Months |
as low as 7.38% |
$31.05 |
| Unsecured Loan |
60 Months |
as low as 9.28% |
$20.89 |
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48 Months |
as low as 9.08% |
$24.92 |
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36 Months |
as low as 8.88% |
$31.74 |
* All consumer loan rates may vary based on credit, loan term, loan to value ratio and age of collateral. All loans are subject to The Citizens National Bank’s credit guidelines. Rates are subject to change without notice. APRs quoted above assume excellent borrower credit history. Your actual APR may vary subject to your individual credit history. Commercial or business loan rate quotes are available from lender.
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15% down payment required
| New Auto Loan |
60 Months |
as low as 5.78% |
$19.23 |
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48 Months |
as low as 5.58% |
$23.29 |
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36 Months |
as low as 5.38% |
$30.14 |
| Used Auto Loan |
60 Months |
as low as 6.38% |
$19.51 |
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48 Months |
as low as 6.18% |
$23.57 |
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36 Months |
as low as 5.98% |
$30.41 |
* All consumer loan rates may vary based on credit, loan term, loan to value ratio and age of collateral. All loans are subject to The Citizens National Bank’s credit guidelines. Rates are subject to change without notice. APRs quoted above assume excellent borrower credit history. Your actual APR may vary subject to your individual credit history. The rates above are for consumer automobiles registered in individual names. Commercial or business loan rate quotes are available from lender.
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Maximum loan $10,000
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for checking
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- All rates and terms are subject to Citizens National Bank underwriting guidelines.
Rates and programs are subject to change without notice.
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