.png)
.png){kind=small}
.png){kind=small}
.png)
Consumer Credit Rate Sheet
11/22/24
Real Estate First Mortgages
(up to 80% Loan to Value ***)
Tier Balance
Interest Rate*
APR~
Monthly Payment per $100,000**
Fixed; 1 Point
Up to 180 Months
6.00%
6.303%
181 Months - 240 Months
6.20%
6.444%
241 Months - 360 Months
6.50%
6.688%
$843.87
$728.08
$632.19
Tier Balance
Interest Rate*
APR~
Monthly Payment per $100,000**
Fixed; 0 Point
Up to 180 Months
181 Months - 240 Months
241 Months - 360 Months
6.20%
6.344%
$854.71
6.40%
6.517%
$739.76
6.70%
6.791%
$645.40
*This rate is given to borrowers with automatic payment withdrawal (discount of 0.25%) from their Neffs National Bank checking or savings account as applicable. Removal of automatic payment withdrawal will increase the rate by 0.25%.
**For credit secured by a first lien on a dwelling, payments do not include taxes and insurance. The actual payment will be higher. Additional restrictions may apply. Additional costs may be incurred. Property insurance will be required.
Maximum loan to value ratio is 80% (up to 95% allowed with PMI)
-For rates and terms for Jumbo Mortgages (>$726,200), please contact us.
Home Equity Line of Credit*
Interest Rate
12 Month Introductory Rate
APR~
7.25%
After Introductory Period: Wall Street Journal Prime Rate
7.75%
No closing costs (excluding required appraisal fee) for loans greater than $40,000; with a maximum of $250,000
*No closing costs (excluding required appraisal fee estimated $375-$500) for loans greater than $40,000; with a maximum of $250,000. The Home Equity Line of Credit is a variable rate product. The current APR is 7.25%(Wall Street Prime -.50%, introductory rate) and could increase/decrease during the 12 month period. After the Introductory period, the rate will be Wall Street Journal Prime Rate
(Currently 7.75%) The minimum APR is 4.00%. The maximum APR is 21%. For the Home Equity Line of Credit the minimum monthly payment is 1/180th of the average monthly balance plus finance charges. Balloon payment may result at maturity.
Additional costs may be incurred for loans less than $40,000. Loan fees may vary between $0 and $700 based on loan amount. For Home Equity LOC conversion, the initial minimum monthly payment is the finance charge. At maturity, the loan will
amortize over 180 months. Additional restrictions may apply. Property insurance will be required.
Payments do not include taxes and insurance.
Home Equity Loans
Term
Up to 60 Months
Interest Rate*
6.30%
APR~
Monthly Payment per $10,000**
6.765%
$194.74
Up to 120 Months
Up to 180 Months
6.50%
6.504%
$113.57
6.99%
7.169%
$89.83
No closing costs (excluding required appraisal fee) for loans greater than $40,000; with a maximum of $250,000
*This rate is given to borrowers with automatic payment withdrawal (discount of 0.25%) from their Neffs National Bank checking or savings account as applicable. Removal of automatic payment withdrawal will increase the rate by 0.25%. **Payments do not include taxes and insurance. The actual payment will be higher. Maximum loan to value ratio is 80%. Additional restrictions may apply. Additional costs may be incurred. Property insurance will be required.
Automobile Loans
Loan Type
Interest Rate*
APR~
Monthly Payment per $1,000
Maximum Term
Used (2019 & Older)
Used (2020-2023)
New (Up to 60 Months)
New (Up to 72 Months)
8.50%
8.00%
7.25%
7.40%
8.504%
8.008%
7.251%
7.396%
$24.65
$20.28
$19.92
$17.24
at 48 months
at 60 months
at 60 months
at 72 months
*This rate is given to borrowers with automatic payment withdrawal (discount of 0.25%) from their Neffs National Bank checking or savings account as applicable. Removal of automatic payment withdrawal will increase the rate by 0.25%. Additional
restrictions may apply. Additional costs may be incurred. Insurance may be required.
Personal Loans
Loan Type
Interest Rate*
APR~
Monthly Payment
Maximum Term
Unsecured up to a $2,500 Limit
Unsecured $2501- $10,000 Limit
10.00%
10.50%
10.011%
$63.42 for $2,500
10.512%
$210.01 for $10,000
at 12 months
at 60 months
Loan Type
Interest Rate*
Fixed 12 Month Introductory Rate Unsecured Line of Credit with a $10,000 Limit
9.49%
After Introductory Period: Wall Street Journal Prime Rate + 6% Margin
13.75%
Loan Type
First Time Credit Loan ($1,000)
Frist Time Credit Loan ($2,000)
Interest Rate
13.50%
13.50%
APR~
Monthly Payment
Maximum Term
23.34%
16.06%
$89.53
$95.53
at 12 months
at 24 months
*This rate is given to borrowers with automatic payment withdrawal (discount of 0.25%) from their Neffs National Bank checking or savings account as applicable. Removal of automatic payment withdrawal will increase the rate by 0.25%. Additional restrictions may apply. Additional costs may be incurred.