Personal Loans      
             
  Loan Type Interest Rate APR* Payment per $1,000 Maximum Term  
   
  Unsecured with a $5,000 limit 13.50% 13.50% $33.95 36 months  
  Unsecured Line of Credit with a $5,000 limit** Wall Street Journal Prime + 6% margin 10.00%  
  **The Unsecured Line of Credit is a variable rate product. The current APR is 10.00%. The maximum APR is 21%. The minimum monthly payment is 1/120th of the average monthly balance plus finance charges.  
  Additional restrictions may apply        
             
  Automobile Loans          
             
  Loan Type Interest Rate APR* Payment per $1,000 Maximum Term  
   
  Used (2012 and older) 8.00% 8.00% $31.34 at 36 months  
  Used (2013 - 2016) 5.50% 5.50% $23.26 at 48 months  
  New (Up to 48 Months) 3.99% 3.99% $22.58 at 48 months  
  New (Up to 60 Months) 4.25% 4.25% $18.53 at 60 months  
  Additional restrictions may apply        
             
  Home Equity Loans          
             
  Term Interest Rate APR* Payment per $1,000**    
     
  Up to 60 Months 3.75% 3.81% $18.30    
  Up to 120 Months 4.25% 4.29% $10.24    
  Line of Credit*** Wall Street Journal Prime 4.00%    
  **For credit secured by a first lien on a dwelling, payments do not include taxes and insurance. The actual payment will be higher.  
  ***The Home Equity Line of Credit is a variable rate product. The current APR is 4.00%. The maximum APR is 21%. The minimum APR is 3.50%. The minimum monthly payment is 1/120th of the average monthly balance plus finance charges. Balloon payment may result at maturity. There may be additional closing fees up to $500.  
  Additional restrictions may apply. Property insurance will be required.  
             
  Real Estate First Mortgages          
             
  Term Interest Rate APR* Payment per $100,000**    
     
  Fixed; 1 point    
  Up to 180 months 3.250% 3.445% $702.79    
  181 Months to 240 Months 3.800% 3.953% $595.68    
  241 Months to 360 Months  3.950% 4.063% $474.70    
     
  Fixed; 0 point    
  Up to 180 months 3.500% 3.549% $715.02    
  181 Months to 240 Months 4.050% 4.088% $608.82    
  241 Months to 360 Months 4.150% 4.180% $486.28    
  **For credit secured by a first lien on a dwelling, payments do not include taxes and insurance. The actual payment will be higher.  
 

Additional restrictions may apply. Additional costs may be incurred. Property insurance will be required.

 

*APR – Annual Percentage Rate: Interest rates are effective as of 04/20/17 Business Day and are subject to change. Interest rates for Personal, Automobile, and Equity Loans can be reduced by .25% if payments are automatically deducted from your Neffs Bank Checking or Savings Accounts. Interest rates for Consumer Real Estate First Mortgages can be reduced by .05% if payments are automatically deducted from your Neffs Bank Checking or Savings Accounts. For Home Equity Loans, APR is based on loan amount of $10,000.   For Real Estate First Mortgages, APR is based on loan amount of $100,000.

 
             
  Loan Originators          
             
  Lender Number        
         
  Kevin A. Schmidt 738071        
  Ronald B. Gildner 738069        
  Ronald K. Miller 738068        
  Marianne C. Eisenhauer 897384        
  Mark K. Haldaman 1306060