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Rates Effective 07/02/09
Fixed Rate Mortgages*|
Home Equity Line of Credit*|
Home Equity Installment Loan*|
Adjustable Rate Mortgages*|
Personal Installment Loan|
Auto Loans|
Overdraft Protection
20% Down Payment
Actual interest rates and APRs may vary based on credit history, appraised value, and determination of mortgage insurance availability. Ask us about morgage rate buydowns.
| 10 Year Mortgage |
4.875% |
120 Months |
$10.55 |
| 15 Year Mortgage |
5.250% |
180 Months |
$8.04 |
| 20 Year Mortgage |
5.750% |
240 Months |
$7.02 |
| 30 Year Mortgage |
5.875% |
360 Months |
$5.92 |
*Application fee may apply. Rates subject to change without notice.
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| First 10 Years - Interest Only |
3.25% |
240 Months |
$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 |
5.500% |
60 Months |
$19.10 |
| 5-10 Years |
5.750% |
120 Months |
$10.98 |
| 10-15 Years |
6.250% |
180 Months |
$8.57 |
*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) |
4.250% |
360 |
$4.92 |
| 3/1 ARM (2) |
4.625% |
360 |
$5.14 |
| 5/1 ARM (3) |
5.125% |
360 |
$5.44 |
| 7/1 ARM (4) |
5.375% |
360 |
$5.60 |
* 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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| Unsecured (maximum $10,000) |
12.99% |
48 Months |
$26.82 |
| Unsecured (maximum $10,000) |
13.99% |
60 Months |
$23.26 |
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| New - 2008-2009 |
7.13% |
60 Months |
$19.86 |
| New - 2008-2009 |
6.49% |
48 Months |
$23.71 |
| New - 2008-2009 |
6.24% |
36 Months |
$30.53 |
| Used - 2008 |
7.38% |
60 Months |
$19.98 |
| Used - 2008 |
6.74% |
48 Months |
$23.83 |
| Used - 2008 |
6.49% |
36 Months |
$30.64 |
| Used - 2007 |
7.24% |
48 Months |
$24.06 |
| Used - 2007 |
6.99% |
36 Months |
$30.87 |
| Used - 2006 |
7.74% |
48 Months |
$24.29 |
| Used - 2006 |
7.49% |
36 Months |
$31.10 |
| Used - 2005 |
9.74% |
48 Months |
$25.24 |
| Used - 2005 |
9.49% |
36 Months |
$32.03 |
| Used - 2004 |
11.74% |
48 Months |
$26.21 |
| Used - 2004 |
11.49% |
36 Months |
$32.97 |
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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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