LOAN RATES
The following interest rates are available for loans secured by a first mortgage on 1 - 4 family, owner-occupied, primary residential properties located in Union County, Pennsylvania, and contiguous counties subject to the Bank's underwriting guidelines.
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Here for our Mortgage Originators'
NMLS ID Numbers
IN-HOUSE ADJUSTABLE RATE MORTGAGE (A.R.M.)
| Rate |
Points |
| 4.90% A.P.R. |
0 |
The above rate applies to loans up to a maximum 80% loan-to-value and is effective
February 2, 2012. Rates are subject to
change.
Call us Toll Free at 877-318-6145 or email us for other terms and interest rates.
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HOME EQUITY FIXED RATE TERM LOAN
| Term |
Rate |
Annual Percentage Rate |
| 60 months |
5.16% |
5.33% (1) |
| 120 months |
5.90% |
5.99% (2) |
| 180 months |
7.24% |
7.31% (3) |
A.P.R. - Annual Percentage Rate
(1.) This option would require 60 monthly payments of $19.00 per $1000 borrowed.
(2.) This option would require
120 monthly payments of $11.08 per $1000
borrowed.
(3.) This option would
require 180 monthly payments of $9.12 per $1000
borrowed.
The above rates apply to new loans up to a maximum 80%
loans-to-value and is effective February 2, 2012. Minimum
loan amount is $5,000 new money.
Offer subject to credit approval.
Property insurance and flood insurance, if applicable, are required.
Other terms and conditions may apply. Rates are subject to
change. See your tax advisor on the tax deductibility of
interest. Specials indicated above require minimum of $10,000
new money.
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HOME EQUITY LINE OF CREDIT
Rates as low as 3.25% A.P.R.*!
The Fully Indexed Rate is currently 3.50% and 4.00% based on credit history
- floor rate of 3.25% or 3.75% based on credit history.
Annual
Percentage Rate (APR). All
lines require a minimum line of $5,000, and the maximum LTV is 85%. The variable
rate will be based on an index (The Wall Street Journal Prime rate as of the
last day of the preceding month), currently 3.25% APR as of 12-29-11.
Prime rate plus .25% requires a credit score greater than or equal to 725.
Standard underwriting criteria apply. Other rates and terms available. The
maximum APR is 18%. This offer may change without notice. Lines are for
personal, family and household purposes – not for home purchases.
Property insurance and flood insurance, if applicable, are required. Closing costs
range from $383.00 to $1,430.60. Property must
be located in the WMSB service area. All loans subject to credit approval.
*Rate requires automatic payments from a
West Milton State Bank checking or savings account.
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FIXED RATE -
NEW CAR
Rates
as low as 6.75% A.P.R.!
Other Consumer Purpose Loans available.
Call any of our branches or email us for other terms and interest rates.
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