Loan Products - Consumer Credit

Personal Loans

• Unsecured with limit of $5,000.00: 13.50% APR* with monthly payment terms arranged
• Unsecured Line of Credit with a limit of $5,000.00: Prime + 6% margin***

Automobile Loans

• Used: 5.75% APR* with monthly payment terms arranged
• New (Up to 48 months): 4.49% APR* with monthly payment terms arranged
• New (Up to 60 months): 4.75% APR* with monthly payment terms arranged

Home Equity Loans

• 4.00% APR* with a maximum term of 60 months**
• 4.75% APR* with a maximum term of 120 months**
• Line of Credit: Prime +.5% margin with a floor rate of 4%****

Real Estate Mortgages

• 3.000% Interest Rate (Up to 180 Months)
• 3.233% APR* with monthly payment terms arranged

• 3.450% Interest Rate (181 Months to 240 Months)
• 3.635% APR* with monthly payment terms arranged

• 3.550% Interest Rate (241 Months to 360 Months)
• 3.684% APR* with monthly payment terms arranged

We also offer debt consolidation loans, recreational vehicle loans and construction mortgages. Additional fees may apply.

We have provided a Loan Payment Calculator so that you can calculate your loan payments.   If you have any questions on these products or services, please call us at 610-767-3875 or e-mail us by clicking here.

Loan Originators

Lender	Number
Kevin A. Schmidt	738071
Ronald B. Gildner	738069
Ronald K. Miller	738068
Gary D. Schneck	738070
Marianne C. Eisenhauer	897384

     *APR - Annual Percentage Rate: Interest rates are effective as of 05/09/13 and are subject to change. Interest rates for Personal, Automobile, Mobile Homes, Commercial Vehicles, and Equity Loans can be reduced by .25% if payments are automatically deducted from your Neffs Bank Checking or Savings Accounts.
   **Example: The monthly payment per $10,000 borrowed at 4.00% APR for 60 months would be $184.17. The monthly payment per $10,000 borrowed at 5.00% for 120 months would be $106.07.
 ***The Unsecured Line of Credit is a variable rate product. The current APR is 9.25%. The maximum APR is 21%.
****The Home Equity Line of Credit is a variable rate product. The current APR is 4%. The maximum APR is 21%.