| Today's Consumer Loan Interest Rates (Week of November 16, 2009) |
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| Prime Rate is: |
3.25% |
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| Prime Rate Effective Date: |
12/16/2008 |
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Sample |
Sample |
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Rate |
Term |
APR |
Loan |
Monthly |
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Type |
(months) |
As Low As |
Amount |
Payment |
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| Home Equity Credit Line¹ |
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| Interest Only Payment |
Variable |
1 |
4.24% |
$100,000 |
$348.49
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| Home Equity Loan² |
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Fully Amortized |
Fixed |
84 |
6.66% |
$100,000 |
$1,492.70
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Fully Amortized |
Fixed |
120 |
7.25% |
$100,000 |
$1,174.01
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Fully Amortized |
Variable† |
180 |
7.41% |
$100,000 |
$921.91
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| Home Refinance Loan³ |
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Fully Amortized |
Fixed |
60 |
5.79% |
$100,000 |
$1,923.53
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Fully Amortized |
Fixed |
84 |
5.89% |
$100,000 |
$1,455.59
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Fully Amortized |
Fixed |
120 |
5.99% |
$100,000 |
$1,109.70
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Fully Amortized |
Variable†† |
180 |
5.99% |
$100,000 |
$843.32
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| Automobile Loan4 |
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New |
Fixed |
60 |
6.86% |
$20,000 |
$394.70
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New |
Fixed |
72 |
6.41% |
$20,000 |
$335.34
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Used |
Fixed |
48 |
7.96% |
$20,000 |
$487.88
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Used |
Fixed |
60 |
7.76% |
$20,000 |
$403.23
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| RV Loan5 |
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New |
Fixed |
84 |
8.66% |
$20,000 |
$318.34
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New |
Fixed |
120 |
8.85% |
$20,000 |
$251.73
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Used |
Fixed |
72 |
9.46% |
$20,000 |
$365.09
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Used |
Fixed |
84 |
9.45% |
$20,000 |
$326.37
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| Personal
Installment Loan6 |
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Fully Amortized |
Fixed |
36 |
12.24% |
$10,000 |
$333.29
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| Credit Card7 |
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| Visa Platinum |
Variable |
N/A |
Click here
for rates |
N/A |
N/A |
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Visa Classic |
Variable |
N/A |
Click here
for rates |
N/A |
N/A |
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MasterCard |
Variable |
N/A |
Click here
for rates |
N/A |
N/A |
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| Reddi-Credit Line8 |
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| $10,001 - $24,999 |
Variable |
N/A |
9.50% |
N/A |
N/A |
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$25,000 - $49,999 |
Variable |
N/A |
8.50% |
N/A |
N/A |
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$50,000 - $100,000 |
Variable |
N/A |
7.50% |
N/A |
N/A |
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| Credit Reserve Line9 |
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| $500 - $10,000 |
Fixed |
N/A |
17.00% |
N/A |
N/A |
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| All loans are subject to credit approval, verification, and
collateral evaluation (if applicable).
Credit approval is subject to your meeting specific underwriting
requirements. Must be over 18 years
old to apply. Products available to
Arizona residents only and are subject to change without notice. |
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| ¹
APR is variable, subject to change monthly, and based on the Prime Rate plus
a margin. The margin ranges from minus
0.76% to plus 0.10%. APR shown
includes relationship discounts and is the lowest available rate. Automatic payment from a National Bank of
Arizona account, maintaining consumer and/or business deposit accounts with
minimum balances, and maintaining a personal and business credit card,and
maintaining a personal and business check (debit) card are required to obtain
the lowest available rate. Other APRs
are available. The APR may increase by
up to 0.76% if any discount requirements are discontinued or cancelled. Prime rate is periodically published in the
Wall Street Journal, Western edition.
Maximum APR is 21.00%. In no
event, will the APR be less than 4.24%.
Plan subject to $15.00 charge for any check written for less than $500
and Early Closure Fee of $500 for terminating your line within the first
three years. No points, closing costs
or third party fees. Property value
will be determined by National Bank of Arizona – any external appraisal
requested by borrower will be at borrower’s expense. |
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| Limited
to owner-occupied property with up to 80% combined loan-to-value (LTV);
maximum LTV determined by property value.
Property insurance required.
Other restrictions may apply, contact branch for details. |
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| ² APR shown includes relationship discounts of 0.76% and is the
lowest available rate. Automatic
payment from a National Bank of Arizona account, maintaining consumer and/or
business deposit accounts with minimum balances, maintaining a personal and
business credit card, and maintaining a personal and business check
(debit)card are required to obtain the lowest available rate. Other APRs are available. The APR may increase by up to 0.76% if any
discount requirements are discontinued or cancelled. No points, closing costs or third party
fees. Property value will be
determined by National Bank of Arizona – any external appraisal requested by
borrower will be at borrower’s expense.
Limited to owner-occupied property with up to 80% combined loan-to-value
(LTV); maximum LTV determined by property value. Property insurance required. Other plans are available. Other restrictions may apply, contact
branch for details. |
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| † The interest rate is variable and subject
to change after 10 years. The minimum
interest rate is 7% and the maximum interest rate is 21%. The interest rate and monthly payment can
change no more than once during the term of the loan. |
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| ³ APR
shown includes a discount of 0.11% and is the lowest available rate. Automatic payment from a National Bank of
Arizona account is required to obtain the lowest available rate. The APR may increase by 0.11% if automatic
payment from a NBA account is discontinued or cancelled. APR shown is available for loan amounts up
to $1.0 million only. Other loan
amounts, terms, and payment options available. Offer is available to new home refinance
loan customers. Existing National Bank
of Arizona home refinance loan customers should contact their branch
representative for available refinance options. No points, closing costs or third party
fees. Property value will be
determined by National Bank of Arizona – any external appraisal requested by
borrower will be at borrower’s expense.
Limited to owner-occupied property with up to 80% loan-to-value (LTV);
maximum LTV determined by property value.
Property insurance required.
Other plans are available.
Other restrictions may apply, contact branch for details. |
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| †† The interest rate is
variable and subject to change after 10 years. The minimum interest rate is 5% and the
maximum interest rate is 21%. The
interest rate and monthly payment can change no more than once during the
term of the loan. |
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| 4
5 APR based on credit history, length and amount
of loan, and age of vehicle. APR shown
assumes excellent credit history, includes relationship discounts of 0.76%
and is the lowest available rate.
Automatic payment from a National Bank of Arizona account, maintaining
consumer and/or business deposit accounts with minimum balances, maintaining
a personal and business credit card, and maintaining a personal and business
check (debit) card are required to obtain the lowest available rate. Other APRs are available. The APR may increase by up to 0.76% if any
discount requirements are discontinued or cancelled. Vehicle insurance required. Other restrictions may apply, contact
branch for details. |
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| 6 APR based on credit history, length and amount of loan. APR shown assumes an unsecured loan,
excellent credit history, and includes relationship discounts of 0.76% and is
the lowest available rate. Automatic
payment from a National Bank of Arizona account, maintaining consumer and/or
business deposit accounts with minimum balances, maintaining a personal and
business credit card, and maintaining a personal and business check (debit)
card are required to obtain the lowest available rate. Other APRs are available. The APR may increase by up to 0.76% if any
discount requirements are discontinued or cancelled. Other restrictions may apply, contact
branch for details. |
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| 7 Other restrictions may
apply. Please contact branch for
details. |
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| 8
APR is variable, subject to change monthly, and
based on the Prime Rate plus a margin.
Prime rate is periodically published in the Wall Street Journal,
Western edition. APR shown includes
relationship discounts of 0.76% and is the lowest available rate. Automatic payment from a National Bank of
Arizona account, maintaining consumer and/or business deposit accounts with
minimum balances, maintaining a personal and business credit card, and
maintaining a personal and business check (debit)card are required to obtain
the lowest available rate. Other APRs
are available. The APR may increase by
up to 0.76% if any discount requirements are discontinued or
cancelled.Maximum APR is 21.00%.
Minimum APR is 4.24%. There is
no stated maturity or term for this product.
You may cancel at any time with written notice to us. We may cancel at any time without cause
upon 15 days written notice to you.
Minimum monthly payment will be 1.50% of your outstanding principal
balance plus accrued interest and other charges. If the outstanding balance is $75 or less,
payment is due in full. Other
restrictions may apply, contact a branch for details. |
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| 9 You may have up to two (2)
Credit Reserve Lines. The combined
credit limit is determined based on your income and ability to repay. The combined credit limit can not exceed
$10,000. There is no stated maturity
or term for this product. You may
cancel at any time with written notice to us.
We may cancel without cause upon 15 days written notice to you. If you close your checking account, you
will be required to repay the outstanding principal balance plus interest and
fees immediately in full. At National
Bank of Arizona’s option (subject to credit approval), you may be able to
repay the outstanding principal balance in monthly installments not to exceed
36 months. Minimum monthly payment
will be 2.78% of your outstanding principal balance plus accrued interest and
other charges. If the outstanding
balance is $20 or less, payment is due in full. Other restrictions may apply, contact a
branch for details. |
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