3.99% apr* Equity! With a 6 month intro rate like this, now is the time to consider the major purchase you have been dreaming of - home improvement, education, new car or even a vacation. Learn More >>
* Model years 2002, 2003, and 2004 add .50%; Maximum term of 36 months. Rates include our maximum discount of .25% for Direct Deposit or Automatic Payment applicants. Discounts cannot be combined.
Unsecured Loans
Loan Amount
APR
Term
Monthly Cost per $1,000
$2,500 to $10,000
12.750%
36 mos
$33.57
* Rates include our maximum discount of .25% for Direct Deposit or Automatic Payment applicants. Discounts cannot be combined.
Mobile Home Loans
APR
Term
Monthly Cost per $1,000
8.250%
180 mos
$9.70
8.250%
144 mos
$10.96
8.000%
120 mos
$12.13
8.000%
84 mos
$15.59
8.000%
60 mos
$20.28
* Rates include our maximum discount of .25% for Direct Deposit or Automatic Payment applicants. Discounts cannot be combined. Minimum downpayment of 30%. Fees and costs apply. No other discounts apply.
Savings/CD Loans
APR
Term
Maximum Loan to Value
3.00% above
Open
95% of Passbook
instrument
or CD Face Value
Stock Loans
APR
Term
Maximum Loan to Value
8.2500%
Open
50%
Overdraft Protection
APR
Term
Current Rate
Line Amounts
WSJ Prime +8.5%*
Open
13.500%
$500-$10,000
* Overdraft Lines of Credit have a minimum rate of 8.50%, maximum rate of 18%,and are variable rates subject to increase after consummation, adjusting Monthly to the Wall Street Journal Prime Rate, currently 5.000%. Minimum payment of 3% of
month end balance or $25.00, whichever is greater.
Bridge Loans
Rate/APR
Points
Term
Monthly Cost per $1,000
6.0000%/10.650%
1
3 mos
4.93
* Available for homes currently under agreement only
Equity Loan $10,000 minimum
Rate/APR
Points
Term
Monthly Cost per $1,000
5.7490/5.749%
0
60 mos
$19.22
6.250/6.250%
0
96 mos
$13.26
6.375/6.375%
0
120 mos
$11.29
6.625/6.625%
0
180 mos
$8.78
6.875/6.875%
0
240 mos
$7.68
Home Equity Total Line of Credit
APR
Term
Current Rate
Minimum Line
WSJ Prime-.500%
240 mos
4.750%*
$10,000
* apr=annual percentage rate. Equity line of credit rates are variable, adjusting monthly to the Wall Street Journal Prime Rate minus .500%, currently 4.75%. WSJ Prime is currently 5.00%. 10 year draw period followed by 10 year repayment. Fixed Rate Advances available for terms of 5, 10, and 15 years. Add .125% to published fixed equity loan rates.
Terms and Conditions (applicable to real estate loans and lines of credit)
1-4 Family/Owner Occupied Property Only. Not available for homes currently for sale or intended to be sold within 6 months of closing.
Maximum Loan to Value is 80% (60% for Condominimums where MSB does not have first Mortgage)
Fees for opening the account range from $0 to $600. Call for details.
Equity Lines of Credit have a minimum rate of 4.750%, maximum rate of 18%, and are variable rates subject to increase after consummation, adjusting monthly to the Wall Street Journal Prime Rate minus .500%, currently 4.75% based on the WSJ Prime rate of 5.00%.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE. MINIMUM LOAN AMOUNT IS $10,000. ADDITIONAL TERMS, CONDITIONS, AND FEES MAY APPLY. PLEASE INQUIRE.
