Loan Rates and Terms
Rates effective as of June 25, 2015
  Down Payment Term/Mos APR
AUTO/MOTORCYCLE LOANS (*)
* Motorcycles require 20% down.
New, Used: 2015, 2014
  *10% 6-60 2.74%
  *10% 61-72 3.09%
Used: 2013 - 2010
  *10% 6-60 2.74%
  *10% 61-72 3.24%
Used: 2009 - 2008 *25% down or 90% of NADA Trade-In Value
  *25% 6-60 3.39%
  *25% 61-72 4.24%
Used: 2007 - 2005 Trade-In Value
  *25% 60 5.75%
For Example: A $10,000 auto loan with 10% down for 60 months at 2.74% APR would have a repayment amount of $178.55 and a finance charge of $713.07
PERSONAL LOANS
With 1st National Deposit Account or With Stock Listed on American, NASDAQ or NYSE Up to 2/3 Value   6-60 Fixed @ 2.49% above savings rate
With Accepted Collateral or Unsecured
Secured   6-60 8.50%
Unsecured   6-24 10.50%
For Example: A $10,000 personal loan for 36 months at 8.50% APR would have a repayment amount of $315.70 and a finance charge of $1,365.37
FIXED RATE HOME EQUITY LOANS
*No Closing Cost Program $10,000 Minimum, $100,000 Maximum
  Term/Mos Rate APR
Terms up to & including 60 mo. maiximum 85% LTV Up to 60 2.99% **3.037%
Terms 61 up to & including 120 mo. maximum 85% LTV 61-120 3.59% **3.615%
Terms > 10 years maximum 80% LTV 121-180 4.50% ***4.518%
For Example: A $100,000 home equity loan with an LTV of 85% for 60 months at 3.037% APR would have a payment amount of $1,796.42 and a finance charge of $7,902.81. Payment does not include amounts for taxes and insurance premiums. Actual payment obligation will be greater.
*All closing costs are waived. If the Home Equity is paid off and closed within three years of loan closing all closing costs will be charged back and added to the payoff amount of the loan, estimated range is between $803 to $1,703 for loans up to $100,000.
**Rates and Terms are subject to change without prior notice. The APR is based upon the maximum allowed at an 85% loan to value (LTV) ratio and a sample loan amount of $100,000.
***Rates and Terms are subject to change without prior notice. The APR is based upon a term of 15 years at an 80% loan to value (LTV) ratio and a sample loan amount of $100,000.
MARINE, MOTOR HOMES, TRAVEL TRAILERS
New 2015 - 2014, Minimum $10,000 - $25,000      
15% Up to 120 Months 7.59%
Used 2008 and Newer (Titled Only) $10,000 - $25,000      
15% Up to 120 Months 8.99%
For Example:A $10,000 marine loan with 15% down for 72 months at 7.59% APR would have a repayment amount of $173.39 and a finance charge of $2,483.72
ATV, SNOWMOBILES, MOTORCYCLES, JETSKIS
New 2015 - 2014 (Minimum $2,500) 20% 6-48 8.5%
For Example: A $10,000 ATV loan with 20% down for 48 months at 8.50% APR would have a repayment amount of $245.51 and a finance charge of $1,832.38
For more information on loans listed above or on additional types of loans, please contact a Loan Officer.
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