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Rates effective: April 25, 2017 

Consumer Loans

Personal Loans /Overdraft Protection /Collateral / Preferred Lines of Credit

Rates are based on automatic payment from a Sugar River Bank Account - add .25% for manual payment.

Type Interest Rate Annual Percentage Rate (APR*) Term Conditions Payment Per $1,000.00
Overdraft Protection 18.00% 18.00% Demand Must have a SRB Checking Account The greater of $10.00 or the amount of accrued interest charges plus 5% of the principle balance outstanding on the last day of the billing cycle.
Collateral Loans - CD CD Rate +2.5% Call for rates Call for available terms Maximum LTV 90% N/A
Collateral Loans - Stock Prime+ 1.25% Call for rates Call for available terms Maximum LTV 70% N/A

 

Automobile Loans

Rates are based on automatic payment from a Sugar River Bank Account- add .25% for manual payment.

Automobile Interest Rate Annual Percentage Rate(APR) Term Payment Per $1,000
2017/2016-New 3.99% 4.234% 36 Months $29.63
2017/2016-New 3.99% 4.176% 48 Months $22.66
2017/2016-New* 3.99% 4.140% 60 Months $18.48
2017/2016-New* 3.99% 4.116% 72 Months $15.70
2016/2015-Used** 5.74% 5.985% 36 Months $30.42
2016/2015-Used** 5.74% 5.928% 48 Months $23.45
2014-Used** 7.24% 7.448% 36 Months $31.08
2014-Used** 7.50% 7.689% 48 Months $24.27
2013-Used** 7.24% 7.488% 36 Months $31.10
2013-Used** 8.24% 8.430% 48 Months $24.62
2012-Used*** 7.94% 8.302% 24 Months $45.36
2012-Used*** 8.24% 8.489% 36 Months $31.56
2011-Used*** 8.74% 9.104% 24 Months $45.73
2011-Used*** 9.24% 9.491% 36 Months $32.03
2010-Used*** 10.74% 11.108% 24 Months $46.66

Annual Percentage Rate (APR) based on $10,000.

Other rates and terms are available for vehicles older than 2010.

Down payment

*NADA loan value or 90% of purchase price, whichever is less.

**NADA loan value or 85% of purchase price, whichever is less.

***NADA loan value or 80% of purchase price, whichever is less.

A $55.00 processing fee applies.

Recreational Vehicle Loans

Rates are based on Automatic payment from a Sugar River Bank Account - add .25% for manual payment.

Loans for Boats, ATV's, Snowmobiles, and Campers.

New / Used Interest Rate Annual Percentage Rate(APR*) Term Payment Per $1,000
New 9.25% 10.002% 36 Months $32.27
New 9.25% 9.828% 48 Months $25.28
Used** 10.75% 11.508% 36 Months $32.98
Camper New 9.24% 9.59% 84 Months $16.39
Camper Used 2017-2016 9.24% 9.709% 60 Months $21.10
Camper Used 2015-2014 9.24% 9.815% 48 Months $25.27
Camper Used 2013-2012 9.24% 9.989% 36 Months $32.26
Camper Used 2011 9.74% 10.837% 24 Months $46.53

*Annual Percentage Rate (APR) based on $5,000 for Boats, ATV's and Snowmobiles. APR based on $15,000 for Campers.

**NADA loan value or 75% of purchase price, whichever is less.

A down payment of 20% is required.

A $55.00 processing fee applies.

Motorcycle Loans

Rates are based on Automatic payment from a Sugar River Bank Account - add .25% for manual payment

New / Used Interest Rate Annual Percentage Rate (APR*) Term Payment Per $1,000
New 2017 - 2016* 6.65% 6.838% 48 Months $23.87
Used 2016 - 2015** 6.65% 6.838% 48 Months $23.87
2014** 8.74% 8.991% 36 Months $31.80
2013** 8.74% 8.991% 36 Months $31.80
2012** 9.24% 9.605% 24 Months $45.96

*Annual Percentage Rate (APR) based on $15,000.

Other rates and terms are available for motorcycles older than 2011.

Down payment

*NADA loan value or 90% of purchase price, whichever is less.

**NADA loan value or 80% of purchase price, whichever is less.

A $55.00 processing fee applies.

Motorhome Loans

Type Down Payment Interest Rate Annual Percentage Rate(APR*) CAPS Index Payment Per $1,000
1 Year / Adjustable 20.00% 6.99% 7.263% 18% Wall Street Journal Prime Rate + 4.0% $15.08
3 Year / Adjustable 20.00% 7.99% 8.267% 18% Wall Street Journal Prime Rate + 4.5% $15.58

*Annual Percentage Rate (APR) based on $10,000 for 84 Months with rate adjustments.

Other rates and terms available.

The APR may increase after consumation of the loan.

All rates are subject to change without notice. Please note other terms, conditions, or restrictions may apply depending on other product offerings. Please contact your nearest branch office for complete details and rates.

 

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