Loan Rates

Let’s talk numbers

Rates Effective 8/21/2023

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.  ASB checking account open for at least 96 days.

** 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
$15,001-$25,000 unsecured 7 Years 0.0% $11.91
$25,001-$50,000 unsecured 7 years 0.00% $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
2023-2022 90% Loan to Value and Lower
5.99%* 3 Years $30.42
5.99%* 4 Years $23.48
6.29%* 5 Years $19.47
6.49%* 6 Years $16.81
6.99%* 7 Years $15.09
2023-2022 90.01% to 100% Loan to Value
5.99%* 3 Years $30.42
5.99%* 4 Years $23.48
6.29%* 5 Years $19.47
6.49%* 6 Years $16.81
6.99%* 7 Years $15.09

Used Auto Loan

APR** Maximum Term Monthly Payment per $1,000 Borrowed
2021-2019 90% Loan to Value and Lower
5.99%* 3 Years $30.42
6.49%* 4 Years $23.71
7.29%* 5 Years $19.94
2021-2019 90.01% to 100% Loan to Value
5.99%* 3 Years $30.42
6.49%* 4 Years $23.71
7.29%* 5 Years $19.94
2018-2016 90% Loan to Value and Lower
6.99%* 3 Years $30.87
7.29%* 4 Years $24.08
2018-2016 90.01% to 100% Loan to Value
6.99%* 3 Years $30.87
7.29%* 4 Years $24.08

 

*Additional .25% discount for Automatic payment from ASB Deposit Account. Automatic payment is optional.

**Annual Percentage Rate.

2015 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 2023-2022 90% Loan to Value and Lower
 8.00%* 3 Years $31.34
 8.50%* 4 Years $24.65
 9.00%* 5 Years $20.76
 9.50%* 6 Years $18.27
 USED 2021-2019 90% Loan to Value and Lower
 9.00%* 3 Years $31.80
 9.50%* 4 Years $25.12
 10.00%* 5 Years $21.25
 2018-2016  90% Loan to Value and Lower
 9.00%* 3 Years $31.80
 9.50%* 4 Years $25.12

*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

2015 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 2023-2022 90% Loan to Value and Lower
7.50%* 5 Years $20.04
8.00%* 10 Years $12.13
8.75%* 15 Years $9.99
USED Model Year 2021-2016 90% Loan to Value and Lower
8.50%* 5 Years $20.52
9.00%* 10 Years $12.67
9.50%* 15 Years $10.44

*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

2015 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 3.01% $17.97**
Interest Only Quarterly Varies based upon loan amount 3.01% $7.42

*Annual Percentage Rate.

**Repayment term 60 months

Variable Loan Rate.  The rate may increase after consummation.
Above APR based on Statement Savings Rate of .01% as of March 1, 2022.
Interest Only loans will require a balloon payment at maturity.
Maximum term for Interest Only is 120 months.
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%.