 |
 |
EFFECTIVE DATE 11/7/11
| Home Equity Line Of Credit (Maximum Variable Interest Rate During The Term Of The Loan Is 21% APR. 10 Year Term)* |
| Account Type |
Balances |
Rate |
APR |
1 To 4 Family, Owner Occupied, 1st Or 2nd Lein Position
Loan To Value 75% Or Less |
$15,000 - 200,000 |
3.75% |
3.75% |
1 To 2 Family, Investment, 1st Lein Position
Loan To Value 50% Or Less |
$15,000 - 200,000 |
5.75% |
5.75% |
| All Other Lines, Loan To Value 50% Or Less (Prime Plus 4%) |
$15,000 - 200,000 |
7.25% |
7.25% |
Back To Top
| Home Equity Loan (Fixed Rate, Loan To Value To 80% Or Less) |
| Term |
Loan Amount |
Rate |
APR |
| 5 Years |
$15,000 - 29,999 |
5.750% |
5.750% |
| 5 Years |
$30,000 - 200,000 |
5.000% |
5.000% |
| 8 Years |
$15,000 - 29,999 |
5.875% |
5.875% |
| 8 Years |
$30,000 - 200,000 |
5.125% |
5.125% |
| 10 Years |
$15,000 - 29,999 |
6.250% |
6.250% |
| 10 Years |
$30,000 - 200,000 |
5.500% |
5.500% |
| 12 Years |
$15,000 - 29,999 |
6.750% |
6.750% |
| 12 Years |
$30,000 - 200,000 |
6.000% |
6.000% |
| 15 Years |
$15,000 - 29,999 |
7.000% |
7.000% |
| 15 Years |
$30,000 - 200,000 |
6.250% |
6.250% |
| 20 Years |
$15,000 - 29,999 |
N/A |
N/A |
| 20 Years |
$30,000 - 200,000 |
6.500% |
6.500% |
Back To Top
| Auto Loan (New And Used) |
| Term |
Loan Amount |
Rate |
APR |
| 3 - 5 Years |
$5,000 - 6,999 |
12.50% |
12.50% |
| 3 - 5 Years |
$7,000 - 12,999 |
8.50% |
8.50% |
| 3 - 5 Years |
$13,000 - 19,999 |
7.50% |
7.50% |
| 3 - 5 Years |
$20,000 - 24,999 |
6.50% |
6.50% |
| 3 - 5 Years |
$25,000 - 50,000 |
5.50% |
5.50% |
Back To Top
| Other Secured Loans (Mobile Homes, Recreation Vehicles, Etc.) |
| Term |
Loan Amount |
Rate |
APR** |
| 3 - 5 Years |
$10,000 - 14,999 |
17.00% |
18.09% |
| 3 - 6 Years |
$15,000 - 19,999 |
16.00% |
16.70% |
| 3 - 10 Years |
$20,000 & Over |
14.00% |
14.50% |
Back To Top
| Passbook/Savings Loans (Individuals Only) |
| Term |
Loan Amount |
Rate |
APR** |
| Variable |
$10,000 - 24,999 |
Instrument +6.00% |
Instrument +6.00% |
| Variable |
$25,000 - 49,999 |
Instrument +5.00% |
Instrument +5.00% |
| Variable |
$50,000 - 99,999 |
Instrument +4.00% |
Instrument +4.00% |
| Variable |
$100,000 & Over |
Instrument +3.00% |
Instrument +3.00% |
Back To Top
Please Note: All loan rates presented are disclosed as Annual Percentage Rates (APR), except for the "Other Secured" category. Rates and terms are subject to change without notice. Actual loan payments may be obtained for each loan rate and term on the Loan Calculator page on this web site. Used car loans available for a maximum term of 4 years and a maximum loan amount equal to the "KELLY Trade-In Value" as calculated monthly. New auto's require a 25% downpayment for a 5 year term and a 20% downpayment for a 4 year term.
*Home Line (Line of Credit) allows our customers to write checks as needed against a secured loan amount over a 10 year period with no annual fee, no application fee and no closing costs. The standard Variable Annual Percentage Index for a NewportFed equity Line of Credit is based on the Prime Rate published by the Wall Street Journal. The minimum loan amount to qualify for NewportFed's Home Line (Line of Credit) is $15,000. The maximum interest rate during the loan term is 21% APR.
Fixed rate equity loan offers no application fee and no closing costs. Minimum loan amount to qualify is $15,000.All NFSB Checking Account Customers: Deduct –0.50% for Auto Payment. Maximum loan value of $200,000.
All NFSB Checking Account Customers: Deduct –0.50% for Auto Payment.
All loans are subject to credit approval. Adjustable rate and loan payment may increase after consummation of any adjustable rate mortgage. Property and Flood insurance may be required. Sample loan payments do not include either taxes or insurance which would result in a higher monthly payment.
All loans are subject to credit approval. Adjustable rate and loan payment may increase after consummation. Property and Flood insurance may be required.
**Based upon the minimum loan amount in the range and a 10 year term, closing cost estimated at $400. A 30% down payment is suggested.
More information on any of our products and services can be requested through e-mail (warning: do not send confidential information via email) or by calling us at (401) 847-5500.
Rates and terms are subject to change without notice.
|
|
 |
|
 |
