Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Sugar River Bank

Consumer Loans Rates

Rates effective: September 21, 2018

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
2019/2018-New* 3.99% 4.234% 36 Months $29.63
2019/2018-New* 3.99% 4.176% 48 Months $22.66
2019/2018-New* 3.99% 4.140% 60 Months $18.48
2019/2018-New* 3.99% 4.116% 72 Moonths $15.70
2018/2017-Used** 5.74% 5.985% 36 Months $30.42
2018/2017-Used** 5.74% 5.928% 48 Months $23.45
2016-Used** 7.24%
7.448%
36 Months $31.08
2016-Used** 7.50% 7.689% 48 Months $24.27
2015-Used** 7.24% 7.488% 36 Months $31.10
2015-Used** 8.24% 8.430% 48 Months $24.62
2014-Used*** 7.94% 8.302% 24 Months $45.36
2014-Used*** 8.24% 8.489% 36 Months $31.56
2013-Used*** 8.74% 9.104% 24 Months $45.73
2013-Used*** 9.24% 9.491% 36 Months $32.03
2012-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 2012.

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 2019 - 2018 9.24% 9.709% 60 Months $21.10
Camper Used 2017 - 2016 9.24% 9.815% 48 Months $25.27
Camper Used 2015 - 2014 9.24% 9.989% 36 Months $32.26
Camper Used 2013 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 2019-2018* 6.65% 6.838% 48 Months $23.78
Used 2018-2017** 6.65% 6.838% 48 Months $23.78
2016** 8.74% 8.991% 36 Months $31.68
2015** 8.74% 8.991% 36 Months $31.68
2014** 9.24% 9.605% 24 Months $45.79

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

Other rates and terms are available for motorcycles older than 2013.

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 $1000
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 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.