Personal Loan Rates

Loan TypeTermAPR1Mo.Pmt./$10,0002Max. LTV
Certificate of Deposit Secured Personal Loan3,4,5
$500 – $24,99960 Mo.4.50%6$186.44100%
$25,000 – $49,99960 Mo.4.38%7$185.87100%
$50,000 and greater60 Mo.4.25%8$185.30100%
Unsecured Fixed Rate Loan3,4
Liquid net worth less than $500,000
$500 – $9,99936 Mo.9.49%9$320.30
$10,000 – $20,00036 Mo.9.24%10$319.13
Liquid net worth between $500,000 – $999,999
$500 – $19,99936 Mo.6.50%11$306.47
$20,000 – 50,00036 Mo.5.50%12$301.94
Liquid net worth greater than $1,000,000
$500 – $100,00060 Mo.5.75%13$192.16
Loan TypeTermAPR1Mo.Pmt./$5,0002Max. LTV
Unsecured Personal Line of Credit14
Liquid net worth less than $500,000
$500 – $4,99912.25%15$152.03
$5,000 – $10,00011.75%16$149.90
Liquid net worth between $500,000 – $999,999
$500 – $19,9999.25%17$139.28
$20,000 – 50,0008.75%18$137.16
Liquid net worth greater than $1,000,000
$500 – $49,9997.25%19$130.79
$50,000 – $100,0006.75%20$128.66

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1APR = Annual Percentage Rate. Effective September 28, 2018 rates are subject to change and special offers may be discontinued without notice. Subject to credit approval. Standard underwriting criteria apply. 2Monthly payments will vary based on amount borrowed and term. Any projected payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater. 3Automatic payment deduction required from an Ephrata National Bank deposit account to receive published discounted rate. Rates could be higher if deposit account activity does not support automatic payment. 4Other rates are possible, subject to credit score, loan amount, payment terms, and debt to income ratio. 5APR is equal to the greater of the following: the listed rate above or 1% above the rate being paid on the CD. 6The advertised rate is our base rate of 5.00% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. 7The advertised rate is our base rate of 4.875% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. 8The advertised rate is our base rate of 4.75% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%.9The advertised rate is our base rate of 10.00% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. 10The advertised rate is our base rate of 9.75% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, c) a maximum debt to income ratio of 45%. 11The advertised rate is our base rate of 7.00% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. 12The advertised rate is our base rate of 6.00% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. 13The advertised rate is our base rate of 6.25% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. 14 This product is a variable rate line of credit based on Wall Street Journal Prime (WSJP), our standard rate, currently 5.25% as of 09/28/18, plus a margin between 2% and 7.5% determined by credit score, loan amount, and debt to income ratio, and will not exceed 18% APR. Monthly payment equals 2.00% of the principal balance outstanding on the last day of the billing cycle plus accrued interest ($25 minimum). 15The advertised rate is based on Wall Street Journal Prime (WSJP), currently 5.25% as of 09/28/18, + 7.5% currently 12.75% APR with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 41% 16The advertised rate is based on Wall Street Journal Prime (WSJP), currently 5.25% as of 09/28/18,+ 7.0% currently 12.25% APR with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 41% 17The advertised rate is based on Wall Street Journal Prime (WSJP), currently 5.25% as of 09/28/18,+ 4.5% currently 9.75% APR with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45% 18The advertised rate is based on Wall Street Journal Prime (WSJP), currently 5.25% as of 09/28/18,+ 4.0% currently 9.25% APR with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45% 19The advertised rate is based on Wall Street Journal Prime (WSJP), currently 5.25% as of 09/28/18,+ 2.5% currently 7.75% APR with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45% 20The advertised rate is based on Wall Street Journal Prime (WSJP), currently 5.25% as of 09/28/18,+ 2.0% currently 7.25% APR with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. Ephrata National Bank, Member FDIC. Equal Housing Lender.