If you choose not to establish this automatic payment, the APR is 8.99%, resulting in a monthly payment per $1,000 of $21.12.ĥ The Annual Percentage Rate (APR) for a Used Auto Loan (up to 4 years old) of 10.74% requires automatic payment from The Open Account. Other restrictions may apply.Ĥ The Annual Percentage Rate (APR) for a New Auto Loan rate of 9.74% requires automatic payment from The Open Account. Property insurance is required, and flood insurance, if necessary. The minimum possible APR is 2.75% after the 6-month introductory period. Consult a tax advisor regarding the tax deductibility of interest. This offer is subject to change at any time without notice. Additional fees will apply if the property is held in the name of a Trust. For line amounts greater than $400,000, a full Appraisal will be required, and Title Insurance may be required. A $500 early termination fee applies for lines paid off within the first three years. 1- to 4- family owner-occupied residences only. A Salem Five certified property appraisal will be obtained at the applicant’s expense if: 1) the value determined using an online statistical appraisal is unacceptable to the Lender or the applicant 2) the requested line amount exceeds $400,000 or 3) for line requests secured by properties acquired via foreclosure, short sale, or the gift of equity. CLTV's up to 70% (60% for condominiums or townhouses) determined using a Salem Five certified property appraisal or an online statistical appraisal acceptable to the lender are permitted. Combined Loan to Value's (“CLTV”) not to exceed 60% of the tax assessed value or 50% for lines secured by condominiums or townhouses. Fees may reduce earnings on accounts.ģThe Annual Percentage Rate (APR) for this Star Home Equity Line is 7.24% fixed for the first 6 months then Prime -½% variable based on the highest domestic Prime Rate published in The Wall Street Journal. Rates are variable and subject to change after account opening. Maximum deposit amount is $500,000 for Special CD and Special IRA CD.Ģ The rates are accurate as of today. 1 A penalty will be imposed for premature withdrawal from Certificates of Deposit (CDs).

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