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Schertz Bank & Trust

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Loan Rates



Schertz Bank & Trust is an Equal Opportunity Lender. ALL RATES ARE QUOTED AS AN ANNUAL PERCENTAGE RATE (APR) TO QUALIFIED BORROWER(S) AND ARE SUBJECT TO CHANGE WITHOUT NOTICE.

NEW Car Rates:
(Minimum 10% down payment)
Year Term APR*
2006 & 2007 60 Months 05.90%

USED Car Rates:
(Minimum 10% down, not to exceed Loan Value as reflected in the NADA Official Used Car Guide for Autos and Light Trucks)
Year Term APR*
2005 54 Months 06.99%
2004 48 Months 06.99%
2003 42 Months 07.99%
2002 36 Months 07.99%
2001 & Older 30 Months 08.49% to 12.50%

NEW Boat Rates
(Quoted based on a minimum 20% down payment)
Term APR*
60 Months 7.90%

NEW Motorcycle Rates
(Quoted are based on a minimum 20% down payment)
Term APR*
60 Months 7.90%
* Annual Percentage Rate




MORTGAGE Rates
(The following HOME MORTGAGE rates are quoted for an owner occupied 1-4 family dwelling, and based on 85% financing.)
Loan Type / Term SIR** Commitment Fee APR*
Permanent*** / 15 Year contact bank
 
Interim Construction / 9 Month contact bank
Discount .25% if contractor is established customer on contract home (9.988% APR)
 
Interim / Permanent:***
9 Month Interim
 contact bank
15 Year
 contact bank
*Annual Percentage Rate includes Estimated Finance Charge, 1% Commitment Fee, $400.00 Estimated Progress Inspection Fee & $2.00 Life of Loan Flood Certification Fee.
**Simple Interest Rate
***Jumbo Real Estate Loans ($250,000 & Up) increase rate and APR by 0.50%

 
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