Let’s talk numbers
Rates Effective 4/1/2021
Rates Subject to Change Without Notice
Personal Loans
Maximum Term | APR** | Monthly Payment per $1,000 Borrowed | |
---|---|---|---|
$1,000 - $20,000 unsecured | 3 Years | 18.48%* | $36.03 |
*APR reflects a .25% discount for automatic payment and a 1.00% origination fee. Automatic payment is optional. Your APR may vary. APR factors include credit score and sustained monthly deposits.
** APR = Annual Percentage Rate
HEAT Loans
Maximum Term | APR* | Monthly Payment per $1,000 Borrowed | |
---|---|---|---|
$500 - $2,000 unsecured | 2 Years | 0.0% | $41.67 |
$2,001- $15,000 unsecured | 7 Years | 0.0% | $11.91 |
* APR = Annual Percentage Rate
Overdraft Line of Credit
Term | APR* | Monthly Payment per $1,000 Borrowed |
---|---|---|
Demand | 18.00% | $43.09 |
*APR = Annual Percentage Rate
$33.00 fee assessed annually after the first year
New Auto Loan
APR** | Maximum Term | Monthly Payment per $1,000 Borrowed |
---|---|---|
2021-2020 90% Loan to Value and Lower | ||
2.79%* | 3 Years | $28.99 |
3.29%* | 4 Years | $22.26 |
3.79%* | 5 Years | $18.32 |
3.99%* | 6 Years | $15.64 |
4.79%* | 7 Years | $14.04 |
2021-2020 90.01% to 100% Loan to Value | ||
2.99%* | 3 Years | $29.08 |
3.49%* | 4 Years | $22.35 |
3.99%* | 5 Years | $18.41 |
4.25%* | 6 Years | $15.76 |
4.99%* | 7 Years | $14.13 |
Used Auto Loan
APR** | Maximum Term | Monthly Payment per $1,000 Borrowed |
---|---|---|
2019-2017 90% Loan to Value and Lower | ||
3.89%* | 3 Years | $29.48 |
4.39%* | 4 Years | $22.75 |
4.89%* | 5 Years | $18.82 |
2019-2017 90.01% to 100% Loan to Value | ||
3.99%* | 3 Years | $29.52 |
4.49%* | 4 Years | $22.80 |
4.99%* | 5 Years | $18.87 |
2016-2014 90% Loan to Value and Lower | ||
4.89%* | 3 Years | $29.92 |
5.39%* | 4 Years | $23.21 |
2016-2014 90.01% to 100% Loan to Value | ||
4.99%* | 3 Years | $29.97 |
5.49%* | 4 Years | $23.25 |
*Additional .25% discount for Automatic payment from ASB Deposit Account. Automatic payment is optional.
**Annual Percentage Rate.
2013 Automobiles and older-Refer to personal loan rate.
Small Recreational Vehicles-Motorcycles/Snowmobiles
All Terrain Vehicles, Travel Trailers
APR** | Maximum Term | Monthly Payment per $1,000 Borrowed |
---|---|---|
NEW 2021-2020 90% Loan to Value and Lower | ||
7.50%* | 3 Years | $31.11 |
8.00%* | 4 Years | $24.41 |
8.50%* | 5 Years | $20.52 |
9.00%* | 6 Years | $18.03 |
USED 2019-2017 90% Loan to Value and Lower | ||
8.50%* | 3 Years | $31.57 |
9.00%* | 4 Years | $24.89 |
9.50%* | 5 Years | $21.00 |
2016-2014 90% Loan to Value and Lower | ||
8.50%* | 3 Years | $31.57 |
9.00%* | 4 Years | $24.89 |
*APR reflects a .25% discount for automatic payment and a .25% discount for direct deposit of net paycheck. Automatic payment and/or direct deposit are optional.
**Annual Percentage Rate
2013 Recreational vehicles and older-Refer to personal loan rate.
Large Recreational Vehicles
Motor Homes/ Boats greater than 16 feet
APR** | Maximum Term | Monthly Payment per $1,000 Borrowed |
---|---|---|
Model Year 2021-2020 90% Loan to Value and Lower | ||
7.00%* | 5 Years | $19.80 |
7.50%* | 10 Years | $11.87 |
8.25%* | 15 Years | $9.70 |
USED Model Year 2019-2014 90% Loan to Value and Lower | ||
8.00%* | 5 Years | $20.28 |
8.50%* | 10 Years | $12.40 |
9.00%* | 15 Years | $10.14 |
*APR reflects a .25% discount for automatic payment and a .25% discount for direct deposit of net paycheck. Automatic payment and/or direct deposit are optional.
**Annual Percentage Rate
2013 Recreational vehicles and older-Refer to personal loan rate.
Collateral Loans
Maximum Term | APR* | Monthly Payment per $1,000 Borrowed | |
---|---|---|---|
Monthly Installments | Varies based upon loan amount | CD or Savings rate + 3.00% | $17.97** |
Interest Only Quarterly | Varies based upon loan amount | CD or Savings rate + 3.00% | $7.40 |
*Annual Percentage Rate.
**Repayment term 60 months
Variable Loan Rate.
Loan Rate will be 3% above the current interest rate being earned on an Athol Savings Bank Passbook, Statement Savings or Certificate of Deposit.
Maximum loan to value 100%.