Consumer Loan Rates
Effective (subject to change without notice)
PERSONAL LOAN (1,000.00 MINIMUM)
|
| Type |
Maximum Loan |
APR |
Max Term |
Monthly Payment
Example per $1,000
|
Home
Improvement |
$10,000 |
11.50%* |
72 mos. |
$19.28 |
| *Special rate of .50% off stated APR available with autodraft loan payment from new or existing UniBank checking or statement savings account. |
AUTOMOBILE LOANS (NEW)
|
| Model Year |
|
APR |
Max Term |
Monthly Payment
Examples per $1,000
|
| 2009 - 2008 |
|
5.75% |
48 mos. |
$23.37 |
| 2009 - 2008 |
|
6.00% |
60 mos. |
$19.33 |
Reduce rate by .25% for 20% or greater downpayment
Can extend to 72 months on loans over $20,000 - add .75% |
AUTOMOBILE LOANS (USED)
|
| Model Year |
|
APR |
Max Term |
Monthly Payment
Examples per $1,000 |
| 2007 - 2005 |
|
6.25% |
60 mos. |
$19.45 |
| 2004 - 2000 |
|
6.75% |
48 mos. |
$23.83 |
| 1999 & Older |
|
10.00% |
36 mos. |
$32.27 |
FIXED TERM HOME EQUITIES
|
| Terms |
Rate and APR |
|
|
Monthly Payment
Examples per $1,000 |
| 1 - 5 Years |
5.990% |
|
|
5 yr - $19.33 |
| 6 - 10 Years |
6.250% |
|
|
10 yr - $11.23 |
| 11 - 15 Years |
6.750% |
|
|
15 yr - $8.85 |
| 16 - 20 Years |
6.990% |
|
|
20 yr - $7.75 |
ADJUSTABLE RATE HOME EQUITY LINE OF CREDIT
|
| Terms |
Guaranteed for 6 Months |
Then Prime Minus 1% Variable Rate Currently |
|
10 Year Draw
Period
10 Year
Repayment |
3.25% APR |
4.00% APR |
|
|
|
New Home Equity Accounts only and requires a Perfect Sense Checking account. Offer of credit is subject to credit approval. Annual Percentage Rate shown is in effect as of 9/25/2009 and guaranteed for 6 months. Maximum APR 18%. After the 6 month period, minimum APR 4%. Minimum monthly payment of $50. Early termination fee of $400 may be charged if closed within the first 3 years. Closing costs $260 (closing costs waived if initial draw at closing is $20,000 or more). Homeowners insurance is required for the life of the loan. Offer available on owner occupied 1-4 family residences only. Offer is subject to change at any time.
|
Additional consumer loans are available.
For further information, email us, stop by one of our branches, or call 508-234-8112.
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