Adams County National Bank :: Rates

Home Equity Loans

All rates are effective as of July 29, 2010.

At the Bank's discretion, interest rates may be subject to change at any time without notice.

Home Equity Loan	Annual Percentage Rate (APR)
*Special
*1-60 months	4.99%
*61-120 months	5.49%
*121-180 months	5.85%
*181-239 months	6.99%
240 months	7.24%

No down payment is required. The loan amount, which is up to 85% loan to value, depends upon the tax assessment or appraised value and the equity in your primary residence. The interest rate for your loan is based upon your creditworthiness. Minimum loan amount of $3,500 is required. With an APR of 7.24%, the monthly loan payment is $27.64 for $3,500 borrowed for a term of 240 months. Property insurance is required. Loans may be subject to other fees such as those for flood certification, filing, lien search and/or appraisal.

*Offer valid through 8/30/2010, but may be modified or discontinued without notice. The Annual Percentage Rate (APR) is accurate given a minimum loan amount of $10,000. At least $10,000 of the loan amount must be new borrowings at Adams County National Bank. Plus, the payment must be automatically deducted from an Adams County National Bank checking or statement savings account. The interest rate for your loan is based upon your creditworthiness. The term of the loan may range from 1-239 months. The loan amount, which is up to 85% loan-to-value, depends upon the tax assessment or appraised value of the equity in your primary residence. Property insurance is required.

With an APR of 4.99%, the monthly loan payment is $18.86 for $1,000 borrowed for a term of 60 months. Without automatic payment deduction, the APR is 5.24%.

With an APR of 5.49%, the monthly loan payment is $10.85 for $1,000 borrowed for a term of 120 months. Without automatic payment deduction, the APR is 5.74%.

With an APR of 5.85%, the monthly loan payment is $8.36 for $1,000 borrowed for a term of 180 months. Without automatic payment deduction, the APR is 6.10%.

With an APR of 6.99%, the monthly loan payment is $7.76 for $1,000 borrowed for a term of 239 months. Without automatic payment deduction, the APR is 7.24%.

Variable Rate Home Equity Lines of Credit (HELCs)

Annual Percentage Rate (APR)

4.00%

No down payment required for these types of loans. The credit line amount depends upon the appraised value and equity in your primary residence. The interest rate for your line is based upon your creditworthiness. The APR may increase or decrease monthly on the billing date. It is equal to The Wall Street Journal Prime Rate, but will never be lower than 4.00%. As of December 17, 2008 , the APR based upon The Wall Street Journal Prime Rate was 3.25%. Loans may be subject to other fees such as those for filing, flood certification, lien search and/or appraisal. For variable rate HELCs, the minimum APR is 4.00% and the maximum is 18.00%. Property insurance is required.

Fixed Rate Home Equity Lines of Credit (HELCs)
Annual Percentage Rate (APR)
6.25%

The APR is fixed for the first five years, and then converts to a variable rate. The variable APR may increase or decrease monthly on the billing date and is equal to The Wall Street Journal Prime Rate, but will never be lower than 4.00%. As of December 17, 2008 , the APR based upon The Wall Street Journal Prime Rate was 3.25%. The minimum APR is 4.00% and the maximum APR is 18.00%. No down payment required for this type of loan. The credit line amount depends upon the appraised value and equity in your primary residence. The interest rate for your line is based upon your creditworthiness. Loans may be subject to other fees such as those for filing, flood certification, lien search and/or appraisal. Property insurance is required.

For current Commercial Loan Interest Rates, please contact a commercial loan officer at (717)334-3161 or toll free (888)334-2262.

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