Rates

Financing with Hastings City Bank means having access to competitive rates. Our competitive rates can mean lower monthly payments and quicker payoffs.

To give you an estimate of where rates are today, take a look at the sampling below. Contact a lender today to review loan programs and interest rates for your specific needs!

Rates as of 07/25/2017
PRODUCT Rate APR Monthly Payment
Home Equity Fixed4
5 Year Fixed 2.75% 3.04% $892.89
6 Year Balloon/15 Year Amortization 3% 3.16% $345.29
10 Year Fixed 3.75% 3.90% $500.31
10 Year Balloon/15 Year Amortization 4% 4.12% $369.84
15 Year Fixed 4.75% 4.86% $388.92

1 Rates are not binding and subject to change. Assumes a $100,000 loan with a 80% loan-to-value on a single-family owner occupied property. Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, and may be subject to adjustments related to property type, loan amount, loan-to-value, credit score and other variables. Payments do not include property taxes or insurance. For loans with less than 20% down payment, borrower-paid private mortgage insurance may apply. 15 year fixed, 20 year fixed, and 30 year fixed rates are based on a 45-day lock. All offers subject to credit approval. Other terms, conditions, restrictions, and fees may apply.


2 Rates are not binding and subject to change. Assumes a $100,000 loan with a 80% loan-to-value on a single-family owner occupied property. Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, and may be subject to adjustments related to property type, loan amount, loan-to-value, credit score and other variables. Payments do not include property taxes or insurance. For loans with less than 20% down payment, borrower-paid private mortgage insurance may apply. 15 year fixed biweekly rates are based on a 45-day lock. All offers subject to credit approval. Other terms, conditions, restrictions, and fees may apply. Requires a fully payment every two weeks. Payment amount does not reflect a monthly payment.


3 Rates are not binding and subject to change. Assumes a $100,000 loan with a 80% loan-to-value on a single-family owner occupied property. Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, and may be subject to adjustments related to property type, loan amount, loan-to-value, credit score and other variables. Payments do not include property taxes or insurance. For loans with less than 20% down payment, borrower-paid private mortgage insurance may apply. 7 year balloon rates are based on a 45-day lock. All offers subject to credit approval. Other terms, conditions, resitrictions and fees may apply. The final balloon payment for the corresponding rate above will be $85,225.21


4 Rates are not binding and subject to change based on credit score and may be higher based on individual credit history. Assumes an $50,000 loan with a 80% total loan-to-value on a single-family owner occupied property. Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, and may be subject to adjustments related to loan-to-value and other variables. Payments do not include property taxes or insurance. An automatic loan payment is required to obtain this rate. No prepayment penalty. All offers subject to credit approval. Other terms, conditions, restrictions and fees may apply.


5 Rates are not binding and subject to change based on credit score and may be higher based on individual credit history. Based on the prime rate as of 06/14/17 of 4.25%. Payments do not include property taxes and insurance. Payments are interest only over a 10 year term. Making only the minimum periodic payment may result in an outstanding balance at maturity. There is no prepayment penalty. The minimum rate on this loan is 4.25%. The maximum APR is 25.00%. Payment assumes a $50,000 fully-disbursed line of credit. All offers subject to credit approval. Other terms, conditions, restrictions and fees may apply.


6 Annual percentage rate is based on credit score and may be higher based on individual credit history. Rates are subject to change. An automatic loan payment is required to obtain this rate. Processing fee is $200. Assumes a $25,000 loan amount. Other rates and terms available. All offers subject to credit approval. Other terms, conditions, restrictions, and fees may apply.


7 Annual percentage rate is based on credit score and may be higher based on individual credit history. Rates are subject to change. An automatic loan payment is required to obtain this rate. Processing fee is $200. Assumes a $10,000 loan amount. Other rates and terms available. All offers subject to credit approval. Other terms, conditions, restrictions, and fees may apply.


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