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Consumer Credit Rate Sheet

6/21/24

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

6.15%

6.458%

181 Months - 240 Months

6.40%

6.648%

241 Months - 360 Months

6.60%

6.791%

$852.19

$739.88

$638.89

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

6.35%

6.499%

$863.10

6.60%

6.720%

$751.66

6.80%

6.893%

$652.17

*This rate is given to borrowers with automatic payment withdrawal (discount of 0.10%) from their Neffs National Bank checking or savings account as applicable. Removal of automatic payment withdrawal will increase the rate by 0.10%.
**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

Fixed 12 Month Introductory Rate

APR~

7.50%

After Introductory Period: Wall Street Journal Prime Rate

8.50%

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 7.50% (introductory rate) and will not increase/decrease during the 12 month period. After the Introductory period, the rate will be Wall Street Journal Prime Rate
(Currently 8.50%) 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*

6.45%

APR~

Monthly Payment per $10,000**

6.920%

$195.46

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)

8.75%

8.25%

7.25%

7.40%

8.757%

8.258%

7.251%

7.396%

$24.77

$20.40

$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

9.00%

9.50%

8.984%

$218.61 for $2,500

9.498%

$210.01 for $10,000

at 48 months

at 60 months

Unsecured Line of Credit with a $10,000 Limit **

Wall Street Journal + 6% margin

14.50%

*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.

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