Today's Consumer Loan Interest Rates (Week of November 16, 2009)
Prime Rate is: 3.25%
Prime Rate Effective Date: 12/16/2008
Sample Sample
Rate  Term APR Loan Monthly
Product
Type (months) As Low As Amount Payment
Home Equity Credit Line¹
   Interest Only Payment Variable 1 4.24% $100,000 $348.49
Home Equity Loan²
   Fully Amortized Fixed 84 6.66% $100,000 $1,492.70
   Fully Amortized Fixed 120 7.25% $100,000 $1,174.01
   Fully Amortized Variable† 180 7.41% $100,000 $921.91
Home Refinance Loan³
   Fully Amortized Fixed 60 5.79% $100,000 $1,923.53
   Fully Amortized Fixed 84 5.89% $100,000 $1,455.59
   Fully Amortized Fixed 120 5.99% $100,000 $1,109.70
   Fully Amortized Variable†† 180 5.99% $100,000 $843.32
Automobile Loan4
   New Fixed 60 6.86% $20,000 $394.70
   New Fixed 72 6.41% $20,000 $335.34
   Used Fixed 48 7.96% $20,000 $487.88
   Used Fixed 60 7.76% $20,000 $403.23
RV Loan5 
   New Fixed 84 8.66% $20,000 $318.34
   New Fixed 120 8.85% $20,000 $251.73
   Used Fixed 72 9.46% $20,000 $365.09
   Used Fixed 84 9.45% $20,000 $326.37
Personal Installment Loan6
   Fully Amortized Fixed 36 12.24% $10,000 $333.29
Credit Card7
   Visa Platinum Variable N/A Click here for rates N/A N/A
   Visa Classic Variable N/A Click here for rates N/A N/A
   MasterCard Variable N/A Click here for rates N/A N/A
Reddi-Credit Line8
   $10,001 - $24,999 Variable N/A 9.50% N/A N/A
   $25,000 - $49,999 Variable N/A 8.50% N/A N/A
   $50,000 - $100,000 Variable N/A 7.50% N/A N/A
Credit Reserve Line9
   $500 - $10,000 Fixed N/A 17.00% N/A N/A
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.  
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. 
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.
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.
  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.
 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.
††  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.
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.  
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.
7 Other restrictions may apply.  Please contact branch for details.
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.
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.