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.
CONFORMING FIXED RATES
| Term |
Rate |
Annual Percentage Rate |
Points |
Down Payment |
| 15 years |
4.500% |
5.002% (1) |
3 |
5% minimum |
| 15 years |
5.500% |
5.543% (2) |
0 |
5% minimum |
| 30
years |
4.625% |
4.952% (3) |
3 |
5% minimum |
| 30 years |
6.375% |
6.402% (4) |
0 |
5% minimum |
A.P.R. - Annual Percentage Rate
(1) This option would require 180 monthly payments of $7.65 per $1000 borrowed.
(2) This option would require 180 monthly payments of $8.17 per $1000 borrowed.
(3) This option would require 360 monthly payments of $5.14 per $1000 borrowed.
(4) This option would require 360 monthly payments of $6.24 per $1000 borrowed.
The above conforming fixed mortgage rates are effective as of January 5, 2009, and are subject to change without notice. Call any of our branches or email us for other terms and interest rates!
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PORTFOLIO FIXED RATES
| Term |
Rate |
Annual
Percentage Rate |
Points |
| 10 years |
6.25% |
6.254% (1) |
0 |
| 15 years |
6.375% |
6.378% (2) |
0 |
| 20 years |
6.50% |
6.502% (3)
|
0 |
(1) This option would require 233 biweekly payments of $5.61per
$1000 borrowed.
The above rate applies to new loans up to a maximum 80%
loan-to-value and is effective December 18, 2008. The above rate
requires biweekly AUTOMATIC payments from a West Milton State
Bank checking or savings account. Rates are subject to change. Limited
Time Offer.
(2) This option would require 342 biweekly payments of $4.32 per
$1000 borrowed.
The above rate applies to new loans up to a maximum 80%
loan-to-value and is effective December 18, 2008. The above rate
requires biweekly AUTOMATIC payments from a West Milton State
Bank checking or savings account. Rates are subject to change. Limited
Time Offer.
(3) This option would require 444 biweekly payments of $3.73 per
$1000 borrowed.
The above rate applies to new loans up to a maximum 80%
loan-to-value and is effective December 18, 2008. The above rate
requires biweekly AUTOMATIC payments from a West Milton State
Bank checking or savings account. Rates are subject to change. Limited
Time Offer.
Biweekly payments vs. monthly payments
on a $100,000 mortgage with a twenty year term will result in
interest savings of over $13,000.
| Term |
Rate |
Annual Percentage Rate |
Points |
| 15 years |
7.74% |
7.743% (1) |
0 |
| 20 years |
8.24% |
8.242% (2) |
0 |
(1) 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% loan-to-value and is effective
December 18, 2008. The above rate includes .25% deduction for AUTOMATIC payment from a West Milton State Bank checking or savings account. Rates are subject to change. BIWEEKLY PAYMENT OPTION IS ALSO AVAILABLE.
(2) This option would require 430 biweekly payments of $4.26 per $1000 borrowed.
The above rate applies to new loans up to a maximum 80% loan-to-value and is
effective December 18, 2008. Rates are subject to change. AUTOMATIC payment from a West Milton State Bank checking or savings account is required. BIWEEKLY PAYMENT OPTION ONLY.
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PORTFOLIO ADJUSTABLE RATE MORTGAGE (A.R.M.)
| Rate |
Points |
| 6.25% 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
December 18, 2008. The minimum loan amount is $50,000.00. Rates are subject to change. BIWEEKLY PAYMENT OPTION IS ALSO AVAILABLE.
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 December 18, 2008. Minimum
loan amount is $5,000 new money.
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HOME EQUITY LINE OF CREDIT
Introductory Interest Rate - 3.99% A.P.R.
The Fully Indexed Rate
is tied to the Wall Street Journal Prime Interest Rate.
The Fully Indexed Rate currently ranges from
3.25% to 3.75%.
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 six 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 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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