ALL LOANS SUBJECT TO CREDIT APPROVAL. RATE IS BASED ON CREDITWORTHINESS AND OTHER FACTORS, AND MAY BE HIGHER THAN THE RATE SHOWN. RATES AND TERMS SUBJECT TO CHANGE WITHOUT NOTICE.
Personal Loans & Lines of Credit
|Loan Type||Loan Term||APR||Monthly Payment|
|Personal Loan ($500-$25,000)||12-72 months||8.45%-19.00%||$17.75-$23.38 (for each $1,000 borrowed at the maximum term)|
|Personal Line of Credit ($1,500-$25,000)||N/A||8.45%-19.00%||$25.00 or 2%**|
*Rate is variable, based on Prime Rate as published in The Wall Street Journal Money Rates Table (the \"Index\") plus a margin.
**The minimum monthly payment is the greater of $25.00 or 2% of the outstanding principal balance of the credit line plus accrued interest and other fees and charges billed to the account during the monthly billing period.
Personal Loan Discount: .25% for automatic payment from a KeyPoint checking or savings account.
Personal Line of Credit Discounts: .25% for automatic payment from a KeyPoint checking or savings account; .25% rate discount if your Personal Line of Credit is established as an overdraft protection source on your KeyPoint checking account; .25% rate discount for NEW Personal Lines of Credit with an opening advance of at least 50% of the credit limit. The final loan rate cannot be less than the FLOOR RATE of 7.20%.
|*Certificate-Secured Loan||Certif. Rate +2%||N/A||Certificate Maturity|
Share Account Secured Loan
|Share Account Secured Loan||2.49%||$2,500||24 to 60 months|
| ||2.99%||$2,500||72 months|
Stock Secured Loan
|Stock Secured Loan||10.9%||Max LTV 50% of current value||24 to 60 months|
Pay $42.76 per month per $1,000 borrowed at 2.49% APR for 24 months
Pay $35.02 per month per $1,000 borrowed at 15.74% APR for 36 months
*Ask a KeyPoint representative for a payment example on the loan type, amount and term you want.