Consumer Loan Rates - Effective as of July 6, 2018
Auto Loans1
| Loan Solution | APR | Term | Loan Amount |
|---|---|---|---|
| New 2017 Vehicles | 4.24% | 72 months | $15,000+ |
| New 2017 Vehicles | 3.99% | 36-60 months | No limit |
| New Green Vehicles | 3.74% | 72 months | |
| New Green Vehicles | 3.49% | 36-60 months | |
| Used Vehicles 2011-2013 | 4.50% | 48 months | No limit |
| Used Vehicles 2014-2016 | 3.99% | 60 months | No limit |
| Used Vehicles 2010 and older on a case by case basis | 4.25% | 36 months | No limit |
| Used Vehicles 2010 and older on a case by case basis | 4.75% | 48 months | No limit |
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Subject to credit approval. New auto loans available up to 100% of NADA or Purchase price. Used auto loans require a 10% or more down payment of NADA average retail value or purchase price, whichever is less. Credit scores over 700.
Kitsap Bank continues to promote financing options for energy efficient Green vehicles at a reduction in the rate of .5% with an automatic charge from a Kitsap Bank account. Vehicles listed under the EPA’s SmartWay certification program qualify. Cars and trucks awarded EPA's SmartWay certification emit less greenhouse gas (GHG) and smog-forming tailpipe emissions than other vehicles. Find the lists at www.fueleconomy.gov/feg/SmartWay.do
Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications. Typical loan payment examples are as follows:
New Vehicle -$315.10 for 72 months, based on a $20,000 loan at 4.24% APR
Used Vehicle - $226.16 for 48 months, based on a $10,000 loan at4.75% APR
Home Equity1
| Loan Solution | LTV | APR | Term |
|---|---|---|---|
| 1st Deed of Trust - $50,000 - $300,000 (1) | Up to 80% | 4.25% - 5.00% | Up to 180 months |
| 1st or 2nd Deed of Trust - $25,000 - $49,999 (2) | Up to 80% | 4.50% - 5.25% | Up to 120 months |
| 2nd Deed of Trust - $50,000 - $300,000 (3) | Up to 80% | 4.50% - 5.25% | Up to 180 months |
| Call for Quote if loan amount is > $300,000 or the 1st and 2nd liens combined are > $424,100. |
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APR = Annual Percentage Rate
- Subject to Credit Approval.
- Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications.
- Owner occupied detached Single Family Residential homes in the State of Washington only. Other collateral limitations may apply.
- No Loan Fee. Borrower pays all closing costs to include flood determination, title policy, credit report, recording fees, and appraisal.
- Closing costs paid by the bank up to $500.00 on all loans ≥$50,000 with credit score of 720 or higher.
- Prepayment penalty of $500.00 for loans paid within the first 24 months.
- Typical loan payment examples are as follows: (1). $376.14 per month, based on 15 year, $50,000 loan at 4.25% APR. (2) $259.10 per month, based on 10 year, $25,000 loan at 4.50% APR. (3) $382.50 per month, based on 15 year, $50,000 loan at 4.50% APR.
- Payments do not include amounts for taxes and insurance premiums.
- Property insurance required, flood insurance may be required if applicable.
RV & Boat Loans1
| Loan Solution | APR | Term | Loan Amount |
|---|---|---|---|
| 2016 or Newer | 6.50% | 120 Months | $50,001+ |
| 2016 or Newer | 6.00% | 84 Months | $15,001-$50,000 |
| 2016 or Newer | 5.50% | 60 Months | Up to $15,000 |
| 2015 | 6.75% | 120 Months | $50,001+ |
| 2014-2012 | 6.50% | 84 Months | $30,001-$50,000 |
| 2011-2008 and older on case by case basis | 6.25% | 60 Months | Up to $30,000 |
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Subject to credit approval. Rate requires 20% or more down payment of average retail value or purchase price, whichever is less.
Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications. Typical loan payment examples are as follows:
New RV/Boat - $567.64 for 120 months, based on a $50,000 loan at 6.50% APR
Used RV/Boat - $445.48 for 84 months, based on a $30,000 loan at 6.50% APR
Personal Loans1
| Loan Solution | Rate | APR | Term | Loan Amount |
|---|---|---|---|---|
| Personal Unsecured | 13.00% | 13.14% to 13.69% | Up to 36 Months | Up to $20,000 |
| Cash Secured | 3.0% Over CD Yield | Cannot Exceed CD Term | No Maximum |
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Subject to credit approval. For unsecured loans, a $99.00 loan fee applies. Minimum loan amount is $5,000. Requests < $5,000 are handled through a Visa Credit Card program.
Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications. Typical loan payment examples are as follows:
Personal Unsecured - $170.14 for 36 months, based on a $5,000 loan at 13.69% APR
Savings/CD Secured- $145.96 for 36 months, based on a $5,000 loan at 3.25% APR