Loan Rates

Home Equity Line of Credit

Rates as of 10/14/09

Term	From	To	Interest Rate	APR
10 yr Term	$10,000	$99,999	Prime plus 1.0%, floating	4.25%
10 yr Term	$100,000	$499,999	Prime plus .75%, floating	4.00%
10 yr Term	$500,000	$999,999	Prime plus .75%, floating	4.00%

Non Depository Customer

Term	From	To	Interest Rate	APR
10 yr Term	$10,000	$99,999	Prime plus 1.25%, floating	4.50%
10 yr Term	$100,000	$499,999	Prime plus 1.0%, floating	4.25%
10 yr Term	$500,000	$999,999	Prime plus 1.0%, floating	4.25%

 

Early termination fee applies.

*To qualify for these rates you must have an automatic payment from a St. Charles Bank & Trust checking account. Certain Loan To Value requirements apply.  For the St. Charles Bank & Trust variable rate Home Equity Line, the Annual Percentage Rate (APR) is a variable rate based on the highest Prime Rate (Prime Rate as of 10/14/09 is 3.25%) reported in the Money Rates section of the Wall Street Journal (the ‘WSJ Prime”).  The maximum APR for all credits is 20%.  The minimum APR is the intitial note interest rate at time of funding.  Consult your tax advisor about the deductibility of interest.  Property insurance is required.  Offer applies to lines secured by owner-occupied, one-to-four family residences located in the state of Illinois and approval is subject to the bank’s underwriting parameters.  Offer applies to new Home Equity Line customers only.

Call a Loan Officer at 630-377-9500 or 630-845-4800 for other home equity line of credit programs that may be available.

Autos

Rates Effective:    10/14/09

NEW CAR RATES	LENGTH	TERMS
New 2008/2009 – 6.25% APR	up to 60 months	100% financing available

simple interest; 0.25% discount for automatic payment from a St. Charles Bank & Trust account or founder

 

 

	USED CAR RATES	MAXIMUM TERM	MAXIMUM LOAN AMOUNT
2008	6.75% APR	up to 60 months	100% of average NADA value
2007	6.75% APR	up to 60 months	100% of average NADA value