Loan Rates

Clare Bank Loan Rates
Member FDIC

Loan Rates | Deposit Rates

Loan Rates

Rates effective 05/18/2012. Rates are subject to change without notice.

Owner Occupied Residential Mortgages
Loan Program	APR	Down Payment
Construction (up to 6 months)	3.49%	5% Down*
1-Year Fixed Rate Balloon	3.99%	5% Down*
3-Year Fixed Rate Balloon	4.24%	5% Down*
5-Year Fixed Rate Balloon	4.49%	5% Down*
7-Year Balloon PMI Only	4.74%	5% Down*
10-Year Fixed In House	3.49%	5% Down*
15-Year Fixed In House	3.74%	5% Down*
Freddie Mac 15-Yr Fixed**	2.875%	5% Down*
Freddie Mac 20-Yr Fixed**	3.625%	5% Down*
Freddie Mac 30-Yr Fixed**	3.750%	5% Down*
WI State VA	NA	5% Down*

* Loans with less than 20% down may require private mortgage insurance.

** Rates effective as of 05/18/2012. (Freddie Mac rates change daily and frequently during the day)

The above rates are contingent upon authorized automatic payment from checking account.

Example: $50,000 loan - 5.24% - 30 year amortization - 5 year balloon - monthly payments $275.79

Clare Bank is an Equal Housing Lender

Home Equity Loans

Loan Program	APR
1-Year <70% Loan/Value	3.99%
1-Year 70 to 80% LTV	4.49%
1-Year >80 to 90% LTV	4.99%
3-Year <70% LTV	4.24%
3-Year 70 to 80% LTV	4.74%
3-Year >80 to 90% LTV	5.24%
4-Year <70% LTV	4.49%
4-Year 70 to 80% LTV	4.99%
4-Year >80 to 90% LTV	5.49%
5-Year <70% LTV	4.74%
5-Year 70 to 80% LTV	5.24%
5-Year >80 to 90% LTV	5.74%

Commercial and Ag Loans
Loan Program	APR	Down Payment
1-Year Real Estate	4.99% to 12.0%	30% Down
3-Year Real Estate	5.24% to 12.0%	30% Down
5-Year Real Estate	5.49% to 12.0%	30% Down
Equipment and Operating	5.49% to 12.0%	-------

Consumer Loans
Loan Program	APR	Payment Terms
New Cars (2011-2012)	4.49%	Up to 36 Months
New Cars (2011-2012)	4.74%	Up to 48 Months
New Cars (2011-2012)	4.99%	Up to 60 Months
New Cars (2011-2012)	5.24%	Up to 72 Months
Used Cars (2009-2011)	4.74%	Up to 36 Months
Used Cars (2009-2011)	4.99%	Up to 48 Months
Used Cars (2009-2011)	5.24%	Up to 60 Months
Used Cars (2005-2008)	5.74%	Up to 36 Months
Used Cars (2005-2008)	6.24%	Up to 48 Months
2004 and Older	6.49%	Up to 36 Months
Consumer Loans	6.99% to 12.00%	(varies with amount)

Credit Card Rates

Visa or Mastercard	APR	Annual Fee
Low rate card	7.75%	$15(waived 1st year)
No annual fee	11.15%	none
Low rate gold	7.15%	$30(waived 1st year)
No annual fee gold	10.15%	none
Business	10.15%	$30

We'd like your feedback.
E-mail us at Mail@ClareBank.com

Privacy Statement

© Copyright 2000-2001 Clare Bank All rights reserved.