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Personal Loan Rates

Effective: 

Rates are subject to change.

Mortgage Loan Rates

 Calculators Calculator 
Mortgage Loans
Maximum Loan TermInterest RateAPRPointsPayment Per $1,000 3
15-Year Fixed 2.750% 2.855% 0 $6.79
20-Year Fixed 3.375% 3.455% 0 $5.74
30-Year Fixed 3.625% 3.682% 0 $4.57
30-Year 5/1 Adjustable1 3.990% 2.988% 0 $4.774
30-Year 1/1 Adjustable2 3.990% 3.325% 0 $4.775
1 Interest Rate is variable and may increase after the first five years.
2 Interest Rate is variable and may increase after the first year.
3 Monthly payments shown do not include taxes and insurance - actual payment obligation will be greater.
4 Monthly payments shown for first 5 years - payments may increase beginning in year 6.
5 Monthly payments shown for first year - payments may increase beginning in year 2.

Annual Percentage Rates (APR) shown above are based upon a loan amount of $75,000 and a maximum Loan to Value of 80%.  The actual APR will vary based upon the final loan amount, loan term, Loan to Value, applicant's credit worthiness and total finance charges.

Special rules and restrictions apply.
Please contact one of our Personal Bankers for additional rates and programs.

 

Home Equity Installment Loan Rates

 Calculators Calculator 
Home Equity Installment Loans
Maximum Loan TermInterest RateAPRPayment Per $1,0001
 36 Months3 2.990% 3.02% $29.08
 60 Months3 3.990% 4.01% $18.42
120 Months3 3.990% 4.01% $10.12
180 Months2 7.490% 7.50% $  9.27

1Monthly payments shown do not include taxes and insurance - actual payment obligation will be greater.
2Currently available for junior lien financing only.
3Offer is available to customers borrowing a minimum of $5,000 new money.

Interest Rates and APRs shown above are for owner-occupied home equity financing, and require monthly payments to be automatically drafted from Reliance Bank checking account, and a maximum Loan to Value of 85%.  APR is based upon a loan amount of $35,000.  The actual APR will vary based upon the final loan amount and loan term.

Special rules and restrictions apply.
Please contact one of our Personal Bankers for additional rates and programs.

 

  

SmartLine Prime Home Equity Line of Credit Rates

 Calculators Calculator 
  
 APR
SmartLine Prime HELOC 4.000%

APR is a variable rate, and may increase after consummation, with a lifetime minimum of 4.000% and a maximum of 18.000%.
Borrower required to pay $315 - $565 in closing costs.  Property insurance required.
APR available for loans up to 85% Loan to Value.
An annual $35 Non-activity finance charge is assessed if you do not use your line.

A minimum opening credit line of $25,000 is required with a minimum initial draw of $10,000 against your line required at consummation.

Please call one of our Personal Bankers for additional rates and programs.

 

 

Building Lot Loan Rates

 Calculators Calculator 
Building Lot Loans
Down Payment RequiredAPR1Monthly Payment Per $1,0002
15% 7.750% $6.46 Interest only for first 2 years
$15.46/month for remaining 7 year term
1 Requires monthly payments to be automatically drafted from a Reliance Bank checking account.
2 Monthly payments shown do not include taxes and insurance, actual payment obligation will be greater.
Call one of our Personal Bankers for additional rates and programs. 

 

 

Auto Loan Rates

 Calculators Calculator 
Auto Loans
  APR1
All New Cars   7.240%          72 month maximum loan term
Used 2010 - 2013   7.240%          60 month maximum loan term
Used 2008 - 2009   7.990%          48 month maximum loan term

1 Requires monthly payments to be automatically drafted from a Reliance Bank checking account.

Please call one of our Personal Bankers for additional rates and programs.

 

Personal Line of Credit Rates

 Calculators Calculator 
 
 APR
Personal SmartLine 7.250%

APR is a variable rate, and may increase at any time, with a maximum of 18.000%. An annual $25 Non-activity fee is assessed if you do not use your line.
Executive Line Of Credit 4.000% Introductory APR for first 12 months
7.250% Current Fully Indexed APR

Introductory APR shown above will apply for the first 12 months after you open your credit line.  After the 12-month introductory period ends, APR is a variable rate, and may increase, with a maximum of 18.000%. A minimum opening credit line of $25,000 is required, with a minimum initial draw of $10,000 against your line required at consummation. An annual $25 Non-activity finance charge is assessed if you do not use your line.