CONSUMER LOAN RATE CHART
Consumer Loans (1) Effective 06/16/2009 Type Home Equity Loan Special Home Equity Loan Special Home Equity Loan Home Equity Loan Home Equity Loan Home Equity Loan Home Equity Loan Home Equity loan New Auto Loan New Auto Loan New Auto Loan New Auto Loan Used Auto Loan – 2008&2009 Model Used Auto Loan - 2007 Model Used Auto Loan – 2006 Model Term 60 Months 120 Months 60 Months 60 Months 120 Months 120 Months 180 Months 180 Months 48 Months 60 Months 48 Months 60 Months Rate 4.250% 4.990% 5.500% 6.500% 6.000% 7.000% 5.375% 5.875% 8.000% 8.250% 7.500% 7.750% APR (2) 4.250%(4) 4.990%(4) 5.500% (3) 6.500% (3) 6.000% (3) 7.000%(3) 5.375% (3) 5.875%(3) 8.000% (3) 8.250% (3) 7.500% (3) 7.750% (3) Maximum Loan Amount Up to 85% LTV Up to 85% LTV Up to 80% LTV 81% To 85% LTV Up To 80% LTV 81% to 85% LTV Up To 80% LTV 81% to 85% LTV 100% MSRP 100% MSRP 80% MSRP 80% MSRP
60 Months 54 Months 48 Months
Savings Account Secured Loan
60 Months
CD Secured Loan Home Equity Line of Credit Overdraft/Personal Unsecured Line of Credit
CD Maturity Revolving Revolving
9.000% 9.250% 9.750% Collateral Rate + 2.00%; Minimum Prime Collateral Rate + 2.00%; Minimum Prime Prime Prime + 8.00%*
9.000% (3) 9.250% (3) 9.750% (3)
100% LTV/NADA 100% LTV/NADA 100% LTV/NADA
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Account Balance
----Prime Prime + 8.00% (3)
Account Balance Up to 85% LTV $2,500
ADDITIONAL DISCLOSURES: (Footnotes below refer as indicated to accounts above) (1) The above Interest Rates and APR’s may change at any time. (2) The APR's quoted above are based on a sample transaction with a loan amount of $10,000. (3) The interest rates and APR's reflect a 0.250% reduction for automatic payments deducted from an Allegheny Valley Bank deposit account. An example of the Fixed Rate Home Equity - 85% LTV - 60 months - 6.250% would calculate into a monthly payment of $194.49 or $19.45 per $1,000.00. (4) Specials: Standard closing costs waived, automatic deduction from an Allegheny Valley Bank deposit account required. Policy Exceptions may change rate minimum. $10,000 new money required.