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Rates Effective 05/05/08
Home Equity Line of Credit*|
Home Equity Installment Loan*|
Fixed Rate Mortgages*|
Adjustable Rate Mortgages*|
Personal Installment Loan|
Auto Loans|
Overdraft Protection
| First 10 Years - Interest Only |
5.00% |
240 Months |
$4.25 |
* 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 |
5.700% |
60 Months |
$19.19 |
| 5-10 Years |
5.990% |
120 Months |
$11.09 |
| 10-15 Years |
6.490% |
180 Months |
$8.70 |
*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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20% Down Payment
| 1-10 Years |
5.375% |
120 Mos. |
$10.79 |
| 11-15 Years |
5.875% |
180 Mos. |
$8.37 |
| 16-20 Years |
6.250% |
240 Mos. |
$7.31 |
*Application fee may apply.
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| 1/1 ARM (1) |
4.750% |
360 |
$5.22 |
| 3/1 ARM (2) |
5.375% |
360 |
$5.60 |
| 5/1 ARM (3) |
5.500% |
360 |
$5.68 |
| 7/1 ARM (4) |
5.875% |
360 |
$5.92 |
* 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 |
7.00% |
60 Months |
$19.80 |
| New - 2008-2009 |
6.25% |
48 Months |
$23.60 |
| New - 2008-2009 |
6.00% |
36 Months |
$30.42 |
| Used - 2007 |
7.25% |
60 Months |
$19.92 |
| Used - 2007 |
7.00% |
48 Months |
$23.94 |
| Used - 2007 |
6.50% |
36 Months |
$30.65 |
| Used - 2006 |
8.25% |
60 Months |
$20.39 |
| Used - 2006 |
8.00% |
48 Months |
$24.41 |
| Used - 2006 |
7.50% |
36 Months |
$31.11 |
| Used - 2005 |
10.25% |
48 Months |
$25.48 |
| Used - 2005 |
9.75% |
36 Months |
$32.15 |
| Used - 2004 |
12.25% |
48 Months |
$26.46 |
| Used - 2004 |
11.75% |
36 Months |
$33.10 |
| Used - 2003 |
13.99% |
36 Months |
$34.18 |
| Used - 2002 & older |
14.99% |
36 Months |
$34.66 |
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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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