Let’s talk numbers
Rates Effective 1/8/2024
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 |
|---|---|---|
| 2024-2023 90% Loan to Value and Lower | ||
| 6.49%* | 3 Years | $30.64 |
| 6.74%* | 4 Years | $23.83 |
| 6.74%* | 5 Years | $19.68 |
| 6.99%* | 6 Years | $17.04 |
| 7.74%* | 7 Years | $15.46 |
| 2024-2023 90.01% to 100% Loan to Value | ||
| 6.49%* | 3 Years | $30.64 |
| 6.74%* | 4 Years | $23.83 |
| 6.74%* | 5 Years | $19.68 |
| 6.99%* | 6 Years | $17.04 |
| 7.74%* | 7 Years | $15.46 |
Used Auto Loan
| APR** | Maximum Term | Monthly Payment per $1,000 Borrowed |
|---|---|---|
| 2022-2020 90% Loan to Value and Lower | ||
| 6.49%* | 3 Years | $30.64 |
| 6.99%* | 4 Years | $23.94 |
| 7.24%* | 5 Years | $19.91 |
| 2022-2020 90.01% to 100% Loan to Value | ||
| 6.49%* | 3 Years | $30.64 |
| 6.99%* | 4 Years | $23.94 |
| 7.24%* | 5 Years | $19.91 |
| 2019-2017 90% Loan to Value and Lower | ||
| 7.24%* | 3 Years | $30.99 |
| 7.54%* | 4 Years | $24.20 |
| 2019-2017 90.01% to 100% Loan to Value | ||
| 7.24%* | 3 Years | $30.99 |
| 7.54%* | 4 Years | $24.20 |
*Additional .25% discount for Automatic payment from ASB Deposit Account. Automatic payment is optional.
**Annual Percentage Rate.
2016 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 2024-2023 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 2022-2020 90% Loan to Value and Lower | ||
| 9.00%* | 3 Years | $31.80 |
| 9.50%* | 4 Years | $25.12 |
| 10.00%* | 5 Years | $21.25 |
| 2019-2017 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
2016 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 2024-2023 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 2022-2017 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
2016 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%.