Personal Banking ProductsCurrent Rates

Consumer Loan Rates
Interest Rates and Annual Percentage Yields are current as of June 17, 2010. Rates Subject to Change Without Notice. Monthly payments are based on maximum term listed below per $1,000.
Purchase Autos and Pick-ups
****(APR=Annual Percentage Rate)
| Year | Max. Term | Simple/APR**** | Monthly Pymt. Per $1000 |
| 2008-2010 | 60 Mos. | 4.25% | $18.53 |
| *66 Mos. | 6.00% | $17.83 | |
| **72 Mos. | 7.25% | $17.16 | |
| 2006 - 2007 | 60 Mos. | 4.50% | $18.64 |
| 2004- 2005 | 60 Mos. | 5.99% | $19.33 |
| 2002 - 2003 | 48 Mos. | 8.05% | $24.44 |
| 2001 | 36 Mos. | 8.50% | $31.56 |
* DEALER INVOICE MUST BE OVER $15,000
** DEALER INVOICE MUST BE OVER $20,000
Recreation Vehicles & Conversion Vans
****(APR=Annual Percentage Rate)
| Max. Term | Simple/APR**** | Monthly Pymt. Per $1,000 | |
| New | 60 Mos. | 6.10% | $19.37 |
| 120 Mos. | 7.00% | $11.61 | |
| Used | 60 Mos. | 7.00% | $19.80 |
| 120 Mos. | 8.00% | $12.13 | |
| Boats Under $25.000 | |||
| New | 60 Mos. | 6.10% | $19.37 |
| 120 Mos. | 7.00% | $11.61 | |
| Used | 60 Mos. | 7.00% | $19.80 |
| 120 Mos. | 8.00% | $12.13 | |
| Over $25,000 | |||
| New | 60 Mos. | 6.10% | $19.37 |
| 120 Mos. | 6.75% | $11.48 | |
| Used 2004 & Newer | 60 Mos. | 6.75% | $19.68 |
| 120 Mos. | 7.75% | $12.00 | |
ATV'S, Mopeds, Jet Skis, Snowmobiles, Farm & Garden Equipment, Pop-Ups, ETC.
****(APR=Annual Percentage Rate)
| Year | Max. Term | Simple/APR**** | Monthly Pymt Per $1,000 |
| New 2008-2010 | 60 Mos | 6.99% | $19.79 |
| Used 2007and newer | 48 Mos. | 8.50% | $24.64 |
| Motorcycles 1,000 ccs and larger | |||
| New 2008-2010 | 60 Mos. | 5.25% | $18.99 |
| *84 Mos. | 6.99% | $15.09 | |
| Used | 60 Mos. | 6.25% | $19.46 |
| Motorcycles under 1,000 ccs | |||
| New 2008-2010 | 60 Mos | 5.99% | $19.33 |
| Used | 48 Mos. | 7.99% | $24.42 |
* DEALER INVOICE MUST BE OVER $15,000
** All motorcycle and recreational vehicle loans over $7,500 will require comprehensive and collision insurance
NOTE: VSI Fee $55.00 on vehicles
$75.00 on all other loan types
Unsecured Loans
**** (APR=Annual Percentage Rate)
| Max. Term | Simple/APR**** | Monthly Pymt. Per $1,000 |
| Unsecured Loans | ||
| 36 Mos. | 10.50% | $32.50 |
| 60 Mos. | 11.00% | $21.74 |
Secured Loans
| Max. Term | Simple/APR**** | Monthly Pymt. Per $1,000 |
| Liquid Collateral | ||
| 36 Mos | 7.00% | $30.87 |
| 60 Mos | 7.50% | $20.03 |
| Non-Liquid Collateral | ||
| 36 Mos | 9.75% | $32.14 |
| 60 Mos | 10.50% | $21.49 |
Home Equity Line of Credit- A variable rate equal to Prime (Principal Residence Only)
Home Equity Loans (Principal Residence Only)
****(APR=Annual Percentage Rate)
| Max. Term | Simple/APR**** | Monthly Pymt. Per $1,000 |
| 60 Mos | 6.50% | $19.56 |
| 120 Mos | 7.00% | $11.61 |
| 180 Mos. | 7.50% | $9.27 |
Mobile or Manufactured Homes
****(APR=Annual Percentage Rate)
| Year | Max. Term | Simple/APR**** | Down Payment Required | Monthly Pymt. per $1,000 |
| New 2008-2010 | 239 Mos | 10.00% | 20% | $9.66 |
| Used 2006-2007 | 179 Mos. | 10.50% | 20% | $11.07 |
| Used 2004-2005 | 144 Mos. | 11.00% | 20% | $12.53 |
ADDITIONAL 1/4% off for automatic charge to a RSB Checking - New or Existing
Also in this section...
Phone: (315) 336 - 7300
Bank Routing Number: 2213 7107 1
