Loan Rates

The Rates are accurate as of:
,

LIFE IMPROVEMENT LOANS ®

Residential Mortgage Loans (First Lien Mortgages)

Dwelling must be owner occupied. APR Points
Fixed Rate 15 years 3.875% .25%*
Fixed Rate 20 years 4.125% .25%*
One Year Adjustable Rate 3.00% .25%*
*Refinance of existing 1ST SUMMIT BANK mortgage loan is .50% (points)

These "Relationship Rates" are based on the borrower having at least four services and $20,000 in loans and/or deposits with 1ST SUMMIT BANK. 1

• Contingent approval within 24 hours
• Monthly payments tailored to meet your needs
• We specialize in Home Construction Loans (Contractor or self-built)
• Competitive terms and rates available
• Escrow service available for paying your real estate taxes and/or homeowners insurance


Home Equity Term Loans (Second/Junior Lien Mortgages)

Dwelling must be owner occupied.
APR
60 Months 4.375%
120 Months 4.875%

This "Relationship Rate" is based on the borrower having at least four services and $20,000 in loans and/or deposits with 1ST SUMMIT BANK.1


  • Contingent approval within 24 hours 
  • Monthly payments tailored to meet your needs
  • .25% discount with automatic payments from a 1ST SUMMIT BANK checking account.

APR
New Auto-60 months 3.24%
Used Auto-60 months 4.24%
  • Fixed APR
  • Monthly payments tailored to meet your needs
  • .25% discount with automatic payments from a 1ST SUMMIT BANK checking account.

VISA® Reward Cards, home equity lines of credit, unsecured lines of credit, and personal loans are also available.

1 To Qualify for Relationship rate you must have four services and $20,000 combined in deposits and/or loans with 1ST SUMMIT BANK. Four services can be any of the following:
  • Loans (Each loan is one service.)
  • Deposits (Each account is one service.)
  • Trust Accounts (Each account is one service.)
  • Financial Advisors Accounts (Each account is one service.)
  • VISA Credit Card
  • Credit Card Merchant
  • Safe Deposit Box (Counts as one service regardless of the number of boxes rented.)
All of the above rates are subject to change and are provided for informational purposes only. Rate is available with a minimum F.I.C.O. credit score of 685 to qualify. Rates and terms are subject to borrower qualifications. Other terms and rates are available. The term APR represents Annual Percentage Rate.

For more information call 814-262-4060 or 888-262-4010.

NMLS#407554