Loan Rates
Rates effective as of July 30th, 2010.
Note: American Trust lends only to customers who reside within a 100-mile radius of Dubuque, Dyersville, or West Des Moines, Iowa.
| Loan Amount | 36-48 Months | 60-84 Months |
|---|
| $3,500 + | 5.74% APR* | 5.49% APR* |
- * Annual Percentage Rate
- $50 Documentation fee
- Rates quoted assume auto pay and 700 or greater credit score. Add .25% if not auto pay.
- Add .25% for an additional 6 months on term for used autos with low mileage
- Maximum term on used autos is 60 months
- Autos with mileage over 90,000 will be given an unsecured loan rate and term
- 72 month financing on new autos with MSRP over $20,000
- 84 month financing on new autos with MSRP over $30,000
| Loan Amount | 60 Months | 144 Months | 180 Months | 240 Months |
|---|
| $150,000 + | 6.10% APR* | 6.10% APR* | 6.10% APR* | 6.10% APR* |
| $75,000 - $149,999 | 6.25% APR* | 6.25% APR* | 6.25% APR* | N/A |
| $25,000 - $74,999 | 6.25% APR* | 6.25% APR* | 6.25% APR* | N/A |
| $10,000 - $24,999 | 6.75% APR* | 6.75% APR* | N/A | N/A |
- * Annual Percentage Rate
- All rates are fixed.
- Rates will be 0.25% higher with 5% less down payment.
- Variable Balloon rates are available on loans of $25,000 or more.
| Loan Amount | 36 Months
| 60 Months | 120 Months Adjusting After 7 Years
| 180 Months Adjusting After 7 Years |
|---|
| $5,000 - $40,000 | N/A | N/A | 5.49% APR* | 5.49% APR* |
| $40,001 - $60,000 | N/A | N/A | 5.40% APR* | 5.49% APR* |
| $60,001 + | N/A | N/A | 5.25% APR* | 5.25% APR* |
- * Annual Percentage Rate
- All rates quoted are subject to change
- 100% Home Equity loans and lines must have mortgage filed and be insured
- Loans under $15,000 normal term 120 months
- All rates are based upon a 700 credit score
| Term | Fixed Rate | Variable Rate |
|---|
| Loan to value 70% or less | N/A | Prime - 1.00% APR* |
| Loan to value 71% to 80% | N/A | Prime - 0.50% APR* |
| Loan to value 81% to 85% | N/A | Prime APR* |
| Loan to value 86% to 90% | N/A | Prime + 1.00% APR* |
| Loan to value 100% | N/A | Prime + 2.25% APR* |
| Executive Lines | N/A | Prime + 1.00% APR* |
- * Annual Percentage Rate
- 5% Floor. 18% Ceiling.
- Executive Lines have a floor of 5.50% and a ceiling of 18%
- Rates are based upon a 700 credit score
- Loans exceeding 85% will be considered for existing American Trust deposit clients only.
Mobile Home Rates
- * Annual Percentage Rate
- Rates quoted assume auto pay. Add .25% if not auto pay.
- Rates assume a 20% down payment. Add 1.00% if only 10% down.
