|
HOME LOAN RATES.
Current Mortgage Rates Effective as of
July 7, 2008
All rates subject to change without notice.
All requests are subject to credit approval and underwriting guidelines.
|
Mortgage Type |
Interest
Rate |
Points |
APR |
|
Construction Loan |
4.29% |
0 |
5.152%* |
| *APR (Annual Percentage Rate) is based on a
10% down payment,
$150,000 loan amount, six-month term, interest paid monthly and typical closing fees (a
$300
loan administration fee and $15.00 flood determination
fee).
An
appraisal, title insurance and property insurance are required.
All requests are subject to credit approval and
underwriting guidelines. This
rate is restricted to new home construction and remodeling for qualified
borrowers. Some restrictions may apply. Rates are
subject to change without notice. |
Home Equity
Line of Credit |
5.00 |
0 |
5.00* |
|
*The 5.00% APR (Annual Percentage Rate)
is available for new Jackson County Bank home equity lines of credit of
$5,000 or more. The
fully indexed rate is Prime (5.00% as of
5/01/08). Add 1% for an
81% to 90% LTV (Loan to Value). Add 2% for 91% to 100% LTV. The APR may vary,
not to exceed 18%. Property insurance is required. Subject to
credit approval and property evaluation. Offer is good for a limited
time and is subject to change.
The annual fee of $25 is waived for customers with a Jackson County Bank
first mortgage loan. |
Home Equity
Line of Credit
5 Year Fixed |
6.99% |
0 |
6.99%* |
|
*6.99%
APR (Annual Percentage Rate) is current as of 5/09/08. This rate
and term is available with automatic payment from a Jackson County Bank
checking account. Offer available only for loans of $10,000 to
$50,000. Maximum 80% Loan to Value. Sixty monthly interest
payments ranging from $5.37 to $5.94 per $1,000 borrowed plus a final
principal balloon payment. The annual fee of $25 is waived for
customers with a Jackson County Bank first mortgage loan. Property
insurance is required. Subject to credit approval and property
evaluation. Offer is good for a limited time and is subject to change. |
|
Mortgage Type |
Interest
Rate |
Points |
APR* |
|
3-Year
Balloon*
20-Year Amortization |
5.99%*
35 pmts. of $357.93
(plus a final balloon
payment of $46,096.61) |
0 |
6.23% |
|
3-Year Balloon**
20-Year Amortization |
5.69%**
35 pmts. of $349.33
(plus a final balloon
payment of $45,954.40)
|
0 |
5.93% |
The
payment terms above are calculated using a $50,000.00 principal balance,
20-year amortization, referenced down payment(*
**) and typical closing fees (a
$300
loan administration fee and $15.00 flood determination
fee), and should be
used for Annual Percentage Rate (APR) only.
*Payment
terms based on a 20% down payment. Rate
may vary with amount of down payment. Loans with less than 20% down payment may require mortgage
insurance and may change the APR.
**Payment
terms based on a 50%
down payment. Rate may vary with amount of down payment.
|
Long-Term
Fixed Rates are also
available. These rates change daily.
Please call for information.
WHEDA First-Time Homebuyers, Rural
Development, State Department of Veteran's Affairs
and HUD Section 184 home loan programs are available to
qualified buyers. |
AUTO LOANS
Current Rates as of
July 7, 2008
All rates subject to change without notice.
|
|
Term |
Interest
Rate |
APR*
Annual Percentage
Rate |
Payment
(Based on Loan in
the amount of $10,000 with a $25 Loan Administration Fee) |
|
2008 or Newer Only |
72 Months |
6.99% |
7.08% |
71 @
$170.86
1 @ $171.31 |
2006 & Newer
(Maximum term of 48 mos. for a 2006 vehicle.) |
36 Months |
5.79% |
5.95% |
35 @
$304.01
1 @ $303.99 |
|
48 Months |
5.99% |
6.12% |
47 @
$235.38
1 @ $ 235.18 |
|
60
Months |
6.29% |
6.39% |
59 @
$195.16
1 @ $195.13 |
2003-2005 |
36 Months |
6.59% |
6.75% |
35 @
$307.65
1 @ $307.47 |
|
48 Months |
6.99% |
7.12% |
47 @
$240.00
1 @ $239.84 |
2000-2002 |
24
Months |
8.69% |
8.93% |
23 @
$456.52
1 @ $456.61 |
|
36
Months |
8.99% |
9.15% |
35 @
$318.72
1 @ $318.53
|
| *APR is affected by $25.00 Loan
Administration Fee. Loan Administration Fee is 2% of loan amount, but not
more than $25.00. |
|
1999 and Older |
Call our Personal Bankers for
more information. |
|
Personal Loans |
Call our Personal Bankers for
more information.
ext. 1301, 1340, 1304,1305 |
Credit Cards
More Info on
Credit Cards |
Call our Credit Card
Department for current rates.
ext. 1304 or 1321 |
|
