Loan Rates
Rates are effective as of May 17, 2012.
Long-Term Fixed Rate Mortgages
Please visit our Mortgage Resource Center for summary information on our 10, 15, 20 and 30-year rates. You may also choose a Personalized Rate Quote or to sign up for Rate Watch.
Short-Term Balloon or Adjustable Rate Mortgages
Interested in a shorter-term option? Contact your local office for current rates.
Peace of Mind Construction Loans
|
Term
|
Rates
|
Loan Costs
|
APR
|
Interest Only Monthly Payments | Final Payment | |
|
Option A
|
9 Months
|
3.900%
|
1/2 point
|
5.880%
|
$325.00 | $200,325.00 |
|
Option B
|
9 Months
|
4.900%
|
$350.00
|
5.975%
|
$408.33 | $200,408.33 |
|
Option C
|
6 Months
|
2.900%
|
1/2 point
|
5.827%
|
$241.67 | $200,241.67 |
Construction loan annual percentage rate (APR) example calculation assumes a $200,000 loan for the term indicated. (The interest payments are figured on total $200,000.00 draw.) Lender is under no obligation to renew final payments at maturity. APR effective on date posted. Rate subject to change. Subject to credit approval. Property insurance required on all collateral. Payment amounts do not include taxes or insurance premiums. Appraisal, title, credit report and recording fees additional.
Lot Loans
|
Term
|
Rates
|
Loan Costs
|
APR | Interest Only Monthly Payments | Final Payment |
|
1 Year
|
5.000%
|
1/2 point
|
6.002% | $208.33 | $50,208.33 |
Annual percentage rate (APR) example shown is based on a $50,000 loan and a 10% down payment to qualified buyers. The rate is valid for 12 months from the date of closing. Lender is under no obligation to renew final payment at maturity. APR effective on date posted. Title, credit report and recording fees additional.
Consumer Credit Cards
Consumer Visa® Classic and Platinum Cards
Prime + 5.90% Annual Percentage Rate
Variable Rate
The Prime Rate used to determine the Annual Percentage Rate is the Highest Prime Rate published in The Wall Street Journal’s “Money Rates” table on the last date of publication in each calendar month.
Corporate and Business Visa
14.90% Annual Percentage Rate
National Exchange Bank & Trust extends credit cards primarily to established customers that meet our credit criteria.
Additional Loan Disclosures
Rates are subject to change without notice and based upon credit approval. Please visit a lender for current information about our loan rates. Stated rates are for purchase money transactions or refinance transactions with no cash-out (cash-out is defined as any additional funds disbursed other than refinancing the first mortgage). The actual interest rate available to you will be based on your credit history and individual loan to approved value ratio. The actual rate may be different than the rate stated above.
