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Consumer Loan Rates

Effective as of September 20, 2010

Fixed Rate Home Equity Loans

September 2010 Home Equity Special

3.75% Rate, 60 Months, NO fees with $10,000 New Money
Other rates, terms and conditions may apply. Visit or call for additional details. Rates for straight refinancing or less than $10,000 listed below.
Sept 2010 Special 1st Lein Leins Subordinate Leins Term 1st Lein Subordinate Leins
Fixed Rate Home Equity Loans
Rate APR*
Rate APR*
3.75% 3.759%
5.00% 5.009%
60 Months $18.30 $18.87
4.00% 4.005%
5.25% 5.255%
120 Months $10.12 $10.73
4.25% 4.253%
5.50% 5.503%
180 Months $7.52 $8.17

Regular Rates

Term First Lien
Rate APR*
Monthly Payment Per $1,000 Borrowed Junior Lien
Rate APR*
Monthly Payment Per $1,000 Borrowed
60 Months
5.25% 5.259%
$18.99
6.00% 6.092%
$19.33
120 Months
5.39% 5.395%
$10.78
6.15% 6.199%
$11.18
180 Months
5.39% 5.393%
$8.11
6.15% 6.185%
$8.52
240 Months Amort.
180 Month Term
5.39% 5.393%
$6.81
6.15% 6.153%
$7.52

Home Equity Loan Special: NO FEES**

**If the loan amount is $100,000 or greater, appraisal will be at customer's expense. Loan-to-Value must not exceed 80%

*Annual Percentage Rate (APR) for primary residence based on a minimum loan amount of $5,000. Monthly payments shall be deducted automatically from a First Keystone Community Bank deposit account. Property Insurance is required

Call for rates for non-owner occupied and land loans.


Homeline

Home Equity Line of Credit

Term Rate Monthly Payment Annual Percentage Rate
See Below* Currently 5.00% Varies 5.00%

*Floating rate based on Wall Street Journal Prime Rate. Floor of 5% with a maximum of 18%. Rates adjust quarterly. $15 annual fee. Minimum line of credit is $10,000. Principal and interest vary monthly as billed. Revolving: 10-year draw period, then 10- year amortized repayment period. Rate may be reduce .25% with automatic payment from FKCB account. Property insurance is required.


Personal Unsecured Loans

Minimum Loan Amount Term Rate Monthly Payment Per $1,000 Borrowed Annual Percentage Rate
$1,000 to $5,000 12 to 60 Months 11.75% $88.73 - $22.12 11.75%

*Rates are quoted based on automatic payment from a FKCB deposit account. Without automatic payment, add .25% to the above rate.


Vehicle Loans

Vehicle Loan Type Term Rate Monthly Payment Per $1,000 Borrowed Annual Percentage Rate
New Auto 12 to 60 Months 6.00% $86.07 - $19.34 6.00%*
New Auto 61 to 72 Months 6.50% $19.30 - $16.81 6.50%*
Used Auto 12 to 60 Months 6.75% $86.42 - $23.84 6.75%*
Used Auto 61 to 72 Months 7.00% $23.53 - $19.81 7.00%*
New Motorcycle 12 to 60 Months 7.00% $86.53 - $19.81 7.00%*
Used Motorcycle 12 to 48 Months 8.25% $87.11 - $24.54 8.25%*

*Rates quoted are based on automatic payment from an FKCB account. Without automatic payment, add .25% to rate. Vehicle Insurance is required.


Cashline

Term Rate Monthly Payment Annual Percentage Rate
See Below* Currently 6.25% Minimum $20 when balance is present. 6.25%

*Cashline is a personal line of credit tied to your FKCB checking account. Monthly payment is automatically taken from this checking account. Rate is based on the Wall Street Journal Prime rate plus 3%. Rate adjusts quarterly. $15 annual fee.