Adams County National Bank :: Rates

Home Equity Loans

All rates are effective as of March 12, 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)
1-60 months	6.24%
61-120 months	6.49%
121-180 months	7.24%
240 months	7.24%

No down payment is required. The loan amount, which is up to 90% 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 6.24%, the monthly loan payment is $68.05 for $3,500 borrowed for a term of 60 months. Property insurance is required. Loans may be subject to other fees such as those for flood certification, filing, lien search and/or appraisal.

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)
Three-Year Fixed HELC	Five-Year Fixed HELC
Annual Percentage Rate (APR) with Minimum Initial Advance of $10,000*	Annual Percentage Rate (APR) with Minimum Initial Advance of $10,000*
6.25%	6.25%

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. Loans may be subject to other fees such as those for filing, flood certification, lien search and/or appraisal. For fixed rate HELCs, the minimum APR is 4.00% and the maximum APR is 18.00%. Property insurance is required.

*For fixed rate HELCs, the APR is fixed for the first three or 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%.

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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