|
As of February 3, 2012. Rates offered are for purchases only, are not guaranteed and are subject to change without notice.
NEW AUTOMOBILES |
|
Model Year
|
Term
|
Contract Rate
|
Annual
Percentage Rate*
|
New 2012 - 2011
|
48 Months
|
3.90
|
4.152
|
|
60 Months
|
3.90
|
4.104
|
|
72 Months
|
4.50
|
4.673
|
72 month term available only on vehicles of $30,000+ value. Credit rating may affect APR.
|
USED AUTOMOBILES |
|
Model Year
|
Term
|
Contract Rate
|
Annual
Percentage Rate*
|
2012-2011 |
48 Months
|
3.90
|
4.152
|
2010-2009 |
42 Months
|
3.90
|
4.129
|
2008-2007 |
36 Months
|
3.90
|
4.167
|
2006 & Older |
24 Months
|
3.90
|
4.143
|
Disclosed APRs assume $10,000 loan with a variable loan processing fee based on term of loan. * For Example: A $10,000 loan at 3.90% would require a fee of $40 and 36 monthly payments of $294.80. Credit rating may affect APR.
|
Boat and Recreational Vehicle Loan Rates |
As of February 3, 2012. Rates offered are for purchases only, are not guaranteed and are subject to change without notice.
NEW BOATS & RVS |
|
Model Year
|
Term
|
Contract Rate
|
Annual
Percentage Rate*
|
New 2012 - 2011 |
48 Months
|
4.90
|
5.155
|
|
60 Months
|
4.90
|
5.105
|
USED BOATS & RVS |
|
Model Year
|
Term
|
Contract Rate
|
Annual
Percentage Rate*
|
2012 - 2011 |
48 Months
|
4.90
|
5.155
|
2010 - 2009 |
42 Months
|
4.90
|
5.131
|
2008 - 2007 |
36 Months
|
4.90
|
5.168
|
2006 & Older |
24 Months
|
4.90
|
5.146
|
Disclosed APRs assume $10,000 loan with a variable loan processing fee based on term of loan. * For Example: A $10,000 loan at 4.90% would require a fee of $40 and 36 monthly payments of $299.26. Credit rating may affect APR.
|
Home Equity Loan Rates |
As of February 3, 2012. Rates offered are not guaranteed and subject to change without notice. |
|
Term
|
Contract Rate
|
Annual
Percentage Rate*
|
60 Months |
5.75
|
5.75
|
*Disclosed APRs assume $10,000 loan with no origination fee. For Example: A $10,000 loan at 5.75% would require 60 monthly payments of $192.20. Rate applies to 80% or less Loan-To-Value.
Home Equity Line of Credit Rates |
As of February 3, 2012. Rates offered are not guaranteed and subject to change without notice. |
|
Term
|
Introductory Rate
|
After First 6 months
|
80% or less Loan To Value |
Introductory 4.25% Annual Percentage Rate for the first six months |
After the first six months, and annually thereafter, the rate adjusts to 1 point over Wall Street Journal Prime. Wall Street Journal Prime is now 3.25%. If it does not change, the first rate adjustment would be to 4.25% APR. |
Greater than 80% Loan To Value |
Introductory 5.25% Annual Percentage Rate for the first six months
|
After the first six months, and annually thereafter, the rate adjusts to 2 points over Wall Street Journal Prime. Wall Street Journal Prime is now 3.25%. If it does not change, the first rate adjustment would be to 5.25% APR. |
*The maximum rate on these lines of credit is 18% APR.
Because of the frequency of mortgage rate changes as well as the wide range of products and customizable rate options available, First Bank does not disclose mortgage rates on its web site. Please contact one of our mortgage lending experts at 316-283-2600 or info@firstbankks.com for a custom rate quote. |
