Loan Rates
Home Equity Line of Credit**
Rates as of 05/05/2011
80% Loan to Value Under $500,000
75% Loan to Value $500,000 and above
| Term | From | To | Interest Rate | APR |
| $1,000,000 or more are subject to exception pricing/approval | ||||
|
Five (5) Year Term |
$500,000 | $999,999 | Prime + .25% | 4.00% |
| Ten (10) Year Term | $100,000 | $499,999 | Prime + .50% | 4.00% |
| Ten (10) Year Term | $10,000 | $99,999 | Prime + 1.0% | 4.25% |
With a floor of 4.00% on new lines & renewals
5 and 10 year terms
$50.00 Annual Fee (Waived 1st Year) - Founder No Annual Fee
$500.00 Early Account Closure Fee if closed within 24 months
**1/4% Discount with an Auto Debit from Hinsdale Bank & Trust Account not in conjunction with other discounts.
*The maximum APR for all credits is 20%, minimum is 4.00%. The Annual Percentage Rate (APR) is a variable rate based on the highest Prime Rate in the Money Rates section of the Wall Street Journal (the "WSJ Prime"). Consult your tax advisor about the deductibility of interest. Purchase of property insurance is required. Offer applies to line secured by owner-occupied, one to four family residences located in the state of Illinois.
Making just the required monthly payment of interest only will not reduce the principal balance of the loan and will result in a balloon payment equal to the sum of all advances when the loan matures.
Other Loans (Construction, Overdraft Protection, Auto)
Contact us for current rates.
