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.
IN-HOUSE FIXED MORTGAGE RATES
| Term |
Rate |
Annual
Percentage Rate |
Points |
| 15 years |
7.74% |
7.786% (1) |
0 |
(1) This option would require 180 payments of $9.41 per
$1000 borrowed.
The above rate applies to new loans up to a maximum 80%
loan-to-value and is effective July 19, 2010. The above rate
requires AUTOMATIC payments from a West Milton State
Bank checking or savings account. Rates are subject to change.
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IN-HOUSE ADJUSTABLE RATE MORTGAGE (A.R.M.)
| Rate |
Points |
| 6.00% A.P.R. |
0 |
Long-term financing available.
The above rate applies to loans up to a maximum 80% loan-to-value and is effective
July 19, 2010. The minimum loan amount is $50,000.00. Rates are subject to
change.
Call any of our branches or email us for other terms and interest rates.
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HOME EQUITY FIXED RATE TERM LOAN
| Term |
Rate |
Annual Percentage Rate |
| 36 months |
6.24% |
6.52% (1) |
| 60 months |
6.74% |
6.92% (2) |
| 120 months |
6.99% |
7.08% (3) |
| 180 months |
7.74% |
7.81% (4) |
A.P.R. - Annual Percentage Rate
(1.) This option would require 36 monthly payments of $30.53 per $1000 borrowed.
(2.) This option would require 60 monthly payments of $19.68 per $1000
borrowed.
(3.) This option would require
120 monthly payments of $11.61 per $1000
borrowed.
(2.) This option would require
180 monthly payments of $9.41 per $1000
borrowed.
The above rate applies to new loans up to a maximum 80%
loans-to-value and is effective July 19, 2010. Minimum
loan amount is $5,000 new money.
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HOME EQUITY LINE OF CREDIT
Introductory Interest Rate - 4.49% A.P.R.
The Fully Indexed Rate
is tied to the Wall Street Journal Prime Interest Rate.
The Fully Indexed Rate is currently
5.00%, 5.25%, and 5.50% based on credit history - floor rate of 5.00%.
Rate quoted is for qualified borrowers.
Introductory rate applies for the first three months only. A.P.R. may increase
during the term of the loan. Maximum APR of 18%. Rate is subject to
change monthly after the three month introductory period. Property insurance
required. Maximum 80% loans-to-value. Minimum initial advance amount
is $10,000 new money. Closing costs range from $265.50 to $290.50.
All loans are subject to credit approval.
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FIXED RATE -
NEW CAR
Rates
as low as 7.25% 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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