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Loan Rates effective as of

Mortgage Loan Rates - Owner Occupied Home
Fixed Rate Mortgage Loans Interest Rate Annual Percentage Rate (APR) Principal and Interest Payment Lender Origination Charges {2} Months
30 Year Conventional {1} 3.000% 3.084% $527.01 $800.00 360
20 Year Conventional {1} 3.000% 3.119% $693.25 $800.00 240
15 Year Conventional {1} 2.500% 2.652% $833.49 $800.00 180

All payments exclude taxes and insurance thus your payment will be greater than disclosed above.

All programs listed assume 20% equity or down payment without the requirement of mortgage insurance. Other programs are available requiring smaller down payments or less equity however mortgage insurance will be required resulting in a higher payment and APR. The examples above assume a loan amount of $125,000.

{1} Loans secured by property meeting the criteria for sale as conventional loans on the secondary mortgage market will be eligible for conventional loan rates.

{2} Lender origination charges are one time fees due at or before closing. Other fees and pre-paid items may apply such as: construction inspection fee, appraisal fee, title insurance, closing fee, mortgage insurance, survey, recording fees, flood determination and credit report. You will be responsible for the initial deposit into your escrow account, homeowners insurance and any necessary pre-paid interest.

You have the right to file a written loan application and to receive a copy of the bank's underwriting standards.

 

Closed-End (Fixed) Home Equity Loan Rates
Secured By Primary Residence Interest Rate Annual Percentage Rate (APR) Principal and Interest Payment*
Fixed Equity up to 80% CLTV 4.000% 4.030% $369.84
Fixed Equity 80.01-90% CLTV 5.500% 5.056% $408.54
Secured By Vacation Home
Fixed Equity up to 80% CLTV 5.000% 5.531% $395.40

APR and monthly principal and interest payment is based on a $50,000 loan amount, term of 180 Months, $184 prepaid finance charges and assumes no mortgage insurance. The payment examples do not include taxes and insurance. Rate maybe reduced by .25% when an automatic-payment from a Eaton Community Bank checking or savings account is setup at the time of closing. Combined Loan to Value (CLTV).

For additional information about rates and terms, please contact your local banker.

 

Home Equity Line of Credit Rates
Secured by Primary Residence Interest Rate Annual Percentage Rate (APR)
HELOC up to 70% CLTV Prime Floating 3.25%
HELOC 70.01-80% CLTV Prime Floating +.25% 3.50%
HELOC 80.01%-90% CLTV Prime Floating +2.25% 5.50%
Secured By Vacation Home Interest Rate Annual Percentage Rate (APR)
HELOC up to 80% CLTV Prime Floating +1% 4.25%

This is a variable rate loan based on the index known as the Prime Rate as published in the Wall Street Journal. Accordingly, the periodic rate and minimum monthly payment can change. The maximum rate will never exceed the lesser of 18% or the highest rate allowable under state or federal law. Home Equity Lines of Credit offer a 120 month draw period which requires a minimum monthly payment of interest only, the loan will automatically convert to a fully amortizing loan with a 15 year amortization beginning at month 120. Payments will be fixed at this time and will be determined based off of the outstanding balance as of this date; amortizing over 180 months (15 years). The interest rate during the repayment period will be set 45 days prior to conversion and is based on Prime Rate as published in the Wall Street Journal, plus applicable margin as noted above. While fees and charges due to third parties at opening may range from $0 to $803, there are no bank fees. For most borrowers there are no fees due at opening. There are no transaction, membership or annual fees on this account. Property insurance is required. Consult your tax advisor regarding the deductibility of your interest and charges. This offer is subject to credit approval.

Rates are effective as of October 1, 2020 and are subject to change without notice.

For additional information about rates and terms, please contact your local banker.

 

Personal Loans
Loan Type Term Annual Percentage Rate (APR) Monthly Payment
Auto Loans {1} Up to 72 Months As low as 3.50% $228.98
Boat & RV Loans {2} Up to 180 Months As low as 5.25% $239.91
Motorcycles, ATV's, Tractors, Snowmobiles {3} Up to 72 Months As low as 4.50% $394.46
Unsecured Term Loans {4} Up to Up to 48 Months As low as 10.59% $124.45
Easy-Line (Unsecured Line of Credit) {5} 60 Months As low as 7.25% Interest Only

All annual percentage rates (except {5}) is based on 720+ credit score and may be higher based on individual credit history. Rates are subject to change. Rate maybe reduced by .25% when an automatic-payment from a Eaton Community Bank checking or savings account is setup at the time of closing. Processing fee is $149. Other rates and terms available. All offers subject to credit approval. Other terms, conditions and restrictions may apply.

{1} Assumes a $15,000 loan amount.
{2} Assumes a $30,001 loan amount.
{3} Assumes a $25,001 loan amount.
{4} Assumes a $5,001 loan amount.

{5} Current rate listed is available for borrowers with a 680 or greater credit score. All offers subject to credit approval. Other terms, conditions and restrictions may apply.

Rates as of October 6, 2020, and are subject to change without notice. Actual interest rates and APRs may vary based on credit history, loan amount and other transaction parameters.

For additional information about rates and terms, please contact your local banker.

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