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Loan Rates

July 2012

 Fixed Rate Consumer Loans

   
Auto and Truck
With auto debit**
Without auto debit
 
 

 APR*

 APR*

 

New 2011/2012

5.75%
6.00%
12 - 48 months

New 2011/2012

6.24%
6.49%
60 - 72 months

Used 2010

6.49%
6.74%
12 - 72 months

2009

6.49%
6.74%
12 - 72 months

2008

6.49%
6.74%
12 - 48 months

2007

6.49%
6.74%
12 - 36 months

2006

6.49%
6.74%
12 - 36 months

 

 
 
 

 

* Annual Percentage Rate
** With auto debit from Town Center Bank checking account **

 


 Home Equity Line of Credits and Home Equity Installment Loans

Prime is the Prime Rate as published in the Wall Street Journal 

7 Year Term Home Equity Lines (This has a variable rate feature)

Current Prime Rate is 3.25% 
Monthly interest payment required.  The outstanding balance is due at maturity.  A tax advisor should be consulted regarding the tax deductibility of interest. 
$10,000.00 - $24,999.99
Prime plus 1.00%   ***
$25,000.00 - $49,999.99
Prime plus .50%     ***
$50,000.00 - $300,000
Prime  plus .25% ***
 Home Equity Installment Loans                                          With Auto Debit                                                Without Auto Debit   
 Up to 80% LTV                                                            6.74% APR*                             6.99%  APR*          12 -   60 months   
 Up to 80% LTV                                                            7.74% APR*                             7.99%  APR*          60 - 120 months   


No start up cost for Home Equity Line of Credit or Home Equity Loan

*Annual Percentage Rate

For Home Equity Lines of Credit - $50 annual fee
$350.00 early termination fee if closed prior to 24 months
***Minimum Interest rate is 4.50% per annum.  Maximum Interest Rate is 18% per annum




ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE

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