Loan Rates

Let’s talk numbers

Rates Effective 3/1/2022

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- $20,000 unsecured 7 Years 0.0% $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
2022-2021 90% Loan to Value and Lower
2.54%* 3 Years $28.88
3.04%* 4 Years $22.15
 3.54%* 5 Years $18.21
 3.74%* 6 Years $15.53
 4.54%* 7 Years $13.92
2022-2021 90.01% to 100% Loan to Value
2.74%* 3 Years $28.97
3.24%* 4 Years $22.24
 3.74%* 5 Years $18.30
 4.00%* 6 Years $15.65
 4.74%* 7 Years $14.01

Used Auto Loan

APR** Maximum Term Monthly Payment per $1,000 Borrowed
2020-2018 90% Loan to Value and Lower
3.64%* 3 Years $29.36
4.14%* 4 Years $22.64
 4.64%* 5 Years $18.71
2020-2018 90.01% to 100% Loan to Value
3.74%* 3 Years $29.41
4.24%* 4 Years $22.69
 4.74%* 5 Years $18.75
2017-2015 90% Loan to Value and Lower
4.64%* 3 Years $29.81
5.14%* 4 Years $23.09
2016-2014 90.01% to 100% Loan to Value
4.74%* 3 Years $29.85
5.24%* 4 Years $23.14

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

**Annual Percentage Rate.

2013 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 2022-2021 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 2020-2018 90% Loan to Value and Lower
 9.00%* 3 Years $31.80
 9.50%* 4 Years $25.12
 10.00%* 5 Years $21.25
 2017-2015  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

2013 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 2022-2021 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 2020-2015 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

2013 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%.