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Sugar River Bank

Consumer Loans Rates

Rates effective: March 22, 2019

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.
TypeInterest RateAnnual Percentage Rate (APR*)TermConditionsPayment Per $1,000.00
Overdraft Protection18.00%18.00%DemandMust have a SRB Checking AccountThe 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 - CDCD APY +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
AutomobileInterest RateAnnual Percentage Rate (APR)TermPayment 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 / UsedInterest RateAnnual Percentage Rate (APR*)TermPayment Per $1,000
New9.25%10.002%36 Months$32.27
New9.25%9.828%48 Months$25.28
Used**10.75%11.508%36 Months$32.98
Camper New9.24%9.59%84 Months$16.39
Camper Used 2019 - 20189.24%9.709%60 Months$21.10
Camper Used 2017 - 20169.24%9.815%48 Months$25.27
Camper Used 2015 - 20149.24%9.989%36 Months$32.26
Camper Used 20139.74%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 / UsedInterest RateAnnual Percentage Rate (APR*)TermPayment 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

TypeDown PaymentInterest RateAnnual Percentage Rate (APR*)CAPSIndexPayment Per $1000
1 Year / Adjustable20.00%6.99%7.263%18%Wall Street Journal Prime Rate + 4.0%$15.08
3 Year / Adjustable20.00%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.