1Annual Percentage Rate (APR) shown is variable after 6-month introductory rate and subject to change without notice.  The index used to determine the interest rate is the Wall St. Journal Prime Rate.  Index as of 3/19/2014 was 3.25%, plus a margin of 0%.  The Minimum APR for these plans is 4.00%.    APR will be based on credit history and loan-to-value of 80% or less when the home is taken as collateral.  Promotional APR for loan-to-value between 80% - 90% will be 3.49%, with a Minimum APR of 5.50%.  $50.00 annual fee will be assessed on the anniversary date of the loan.  Third party fees, if applicable, range from $0 - $2,800.  Maximum APR is 21.00% on all plans.  Hazard insurance is required and flood insurance may be required.  This offer is subject to normal underwriting guidelines.  The introductory rate is available on new lines only.  
Automobile Rates 

 APR¹Interest Rate
HELOC 6 Month Intro Special1.99%1.99%
Adjust to a minimum as low as4.00%

²The APR shown was available as of 2/21/2014 for a loan with a 60 or 72 month term and secured by a 2012-2014 model year vehicle and 20% down payment required.  Your APR may be higher and will be based on your credit qualifications, loan amount, repayment term, and the model year.  Rate may also be higher as rates are subject to change at any time based on market conditions or other business factors. Rate is fixed after consummation.  

Loan Rates
Loan Amount $20,000
Loan TermInterest RateAPR²Monthly Payment Example
60 Months3.40%3.70%$362.95
72 Months3.45%3.70%$307.79
Loan Amount $30,000
Loan TermInterest RateAPR²Monthly Payment Example
60 Months3.40%3.60%$544.43
72 Months3.45%3.62%$461.69
 For vehicles older than 2011, call a personal banker.

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