.....serving our community for over 150 years

 

 

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HOME

ABOUT US

LOCATIONS

LOAN RATES

CONSUMER
TIPS

PRIVACY


This page provides our current loan rates only
(Rates as of 05/13/10)


For more information about our many financing options concerning terms, conditions, APR (Annual Percentage Rate), and requirements click here, or on Loans in the menu.

FIXED RATE LOANS

PRODUCT

POINTS

RATE

APR

30 yr. fixed 0 4.875 4.894
20 yr. fixed 0 4.750 4.791
15 yr. fixed 0 4.250 4.259
30 yr. fixed NO CC's 0 5.250 5.252

 

HOME EQUITY LINE OF CREDIT

Prime + 0%    (Current Rate 3.25%,APR 3.25%), up to 85% LTV
                       (with qualifying credit)


*As published in the Wall Street Journal, currently 3.25%
 Minimum loan amount $50,000; Maximum LTV 85%

 

FIXED RATE 1ST NATIONAL HOME EQUITY LOAN
 

TERM

RATE

APR

60 Months

5.50%

5.703%

84 Months

6.00%

6.151%

120 Month Balloon

6.50%

6.611%

LOT LOAN or LOT w/CONSTRUCTION LOANS

Lot Only Loan

TERM

RATE

POINTS

APR

3 Year
Balloon

6.50%

1.00%

6.658%

15 yr. Amortization.  Based on U.S. Treasury Yield + 4.50%    Maximum LTV 75%

 

Construction Loan

 

MARGIN*

TERM

RATE

POINTS

APR**

Homeowner

2.00

12 mos.

5.25%

.50

6.31%

Maximum LTV  

85%

Commercial Real Estate - Please call (513)932-3221 for more information
*Current Index is the Wall Street Journal Prime Rate (3.25%) as of 12/17/08
**APR based on $100,000 and 12 MO interest only term

INSTALLMENT LOANS

AUTO/TRUCK

TERM

RATE

APR

New Models 72 5.99 6.09
2008-2009 Models (Used) 66 6.25 6.36
2006-2007 Models 60 6.75 6.87
2003-2005 Models 48 7.50 7.64
2002 & Older Models 36 8.50 8.68
New Motorcycles, Boats, etc. 48 8.75 8.91
Used Motorcycles, Boats, etc. 36 9.50 9.71