Rates are current as of Friday, July 25, 2008
(Mortgage rates last changed on 04/24/2008) |
| 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
Example per $1,000 |
| 2008, 2007 |
|
6.00% |
60 mos. |
$19.33 |
| 2008, 2007 |
|
5.75% |
48 mos. |
$23.37 |
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
Example per $1,000 |
| 2006 |
|
6.00% |
54 mos. |
$21.18 |
| 2005 |
|
6.25% |
48 mos. |
$23.60 |
| 2004 - 2001 |
|
6.75% |
42 mos. |
$26.80 |
| 2000 & Older |
|
10.00% |
36 mos. |
$32.27 |
| FIXED
TERM HOME EQUITIES |
| TERMS |
Rate and APR |
|
Monthly Payment
Example per $1,000 |
| 1 - 5 Years |
5.750% |
|
5 yr - $19.22
|
| 6 - 10 Years |
6.000% |
|
10 yr - $11.10 |
| 11 - 15 Years |
6.375% |
|
15 yr - $8.64 |
| 16 - 20 Years |
6.625% |
|
20 yr - $7.53 |
| ADJUSTABLE
RATE HOME EQUITY LINE OF CREDIT |
| TERMS |
Prime Minus 1%
Variable Rate APR,
Currently
|
|
10 Year Draw Period
10 Year Repayment |
4.00% APR |
|
ALL HOME EQUITY LINES HAVE NO
POINTS, ANNUAL PERCENTAGE RATE MAY VARY OVER THE LIFE OF THE LOAN,
MAXIMUM APR 18%. MINIMUM MONTHLY PAYMENT OF $50. EARLY TERMINATION
FEE OF $400 MAY BE CHARGED IF PAID WITHIN FIRST 3 YEARS. HOMEOWNERS
INSURANCE IS REQUIRED FOR THE LIFE OF THE LOAN. CLOSING COSTS $260 (CLOSING COSTS WAIVED IF INITIAL DRAW AT CLOSING IS $20,000 OR MORE). EQUITY LINES MAY BE SUBJECT TO A SUBORDINATION FEE. OFFER AVAILABLE AT OWNER OCCUPIED, 1-4 FAMILY RESIDENCES ONLY. CONSULT YOUR TAX ADVISOR REGARDING DEDUCTIBILTY. Additional consumer loans are available. For
further information, email us,
stop by one of our branches,
or call 508-234-8112. |
