Compare Loans and Lines of Credit

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Description

PERSONAL UNSECURED LOAN

Fixed rate loans to solve big or small credit needs

PERSONAL LINE OF CREDIT

A flexible line of credit with quick and easy access to funds when you need it

HOME EQUITY LINE OF CREDIT

A line of credit with higher limits secured by the equity in your home

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

A line of credit linked to your American Savings Bank personal checking account
Key Features & Advantages

PERSONAL UNSECURED LOAN

  • No annual fee
  • No collateral required

PERSONAL LINE OF CREDIT

  • Access line of credit by PersonalExpressSM Visa® card, checks or Online Banking
  • No interest accrued until the line is used
  • No collateral required

HOME EQUITY LINE OF CREDIT

  • Access line of credit by EquityExpressSM Visa® card, checks or Online Banking
  • No interest accrued until the line is used

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

  • Fixed interest rate
  • No interest accrued until the line is used
  • No collateral required
Uses

PERSONAL UNSECURED LOAN

A simple, easy way to pay for dental work, furniture, or appliances

PERSONAL LINE OF CREDIT

A smart way to manage your cash flow or pay for major events like a wedding

HOME EQUITY LINE OF CREDIT

Finance major expenses such as home renovations, college tuition, and long-term medical expenses

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

Overdraft protection for your checking account
Credit Limits

PERSONAL UNSECURED LOAN

$2,500 to $50,000

PERSONAL LINE OF CREDIT

$3,000 to $50,000

HOME EQUITY LINE OF CREDIT

$10,000 to $1 million1

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

$500 to $15,000
Term

PERSONAL UNSECURED LOAN

48 months

PERSONAL LINE OF CREDIT

3-year draw
4-year repayment

HOME EQUITY LINE OF CREDIT

10-year draw
20-year repayment

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

Ongoing, open-ended
Application Fee

PERSONAL UNSECURED LOAN

$0

PERSONAL LINE OF CREDIT

$0

HOME EQUITY LINE OF CREDIT
Owner-occupant up to $400,000

$0

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

$0
Document Preparation Fee

PERSONAL UNSECURED LOAN

$0

PERSONAL LINE OF CREDIT

$25

HOME EQUITY LINE OF CREDIT
Owner-occupant up to $400,000

$02

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

$0
Annual Fee

PERSONAL UNSECURED LOAN

$0

PERSONAL LINE OF CREDIT

$25

HOME EQUITY LINE OF CREDIT
Owner-occupant up to $400,000

$503

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

$25
Early Close Fee

PERSONAL UNSECURED LOAN

$0

PERSONAL LINE OF CREDIT

$0

HOME EQUITY LINE OF CREDIT
Owner-occupant up to $400,000

$500 if closed within 3 years4

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

$0
Prepayment Penalty

PERSONAL UNSECURED LOAN

$0

PERSONAL LINE OF CREDIT

$0

HOME EQUITY LINE OF CREDIT
Owner-occupant up to $400,000

$0

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

$0
Interest - Annual Percentage Rate (APR) (effective 07/01/2021)

PERSONAL UNSECURED LOAN

Fixed
8.24% to 18.24%5

PERSONAL LINE OF CREDIT

Variable - changes monthly from 7.00% to 17.75%6

HOME EQUITY LINE OF CREDIT

Variable - changes monthly from 4.50% to 18.00%7

Kalo Plus Checking (0.10% discount) and Kalo Deluxe Checking (0.15% discount) off the margin for the non-promotional interest rate offered, subject to the floor rate8

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

Fixed 18.00%

Kalo Plus Checking (0.10% discount) and Kalo Deluxe Checking (0.15% discount) off the fixed, non-promotional interest rate offered8
Monthly Payment

PERSONAL UNSECURED LOAN

Fixed monthly payments (Principal and Interest)

PERSONAL LINE OF CREDIT

Draw Period:
The greater of $30 or 2% of the outstanding balance plus interest

Repayment Period:
Fixed principal portion equal to 1/48th of the outstanding principal balance at start of repayment period & interest.

HOME EQUITY LINE OF CREDIT

Draw Period:
Interest Only or Principal plus Interest9

Repayment Period:
Fixed principal portion equal to 1/240th of the outstanding principal balance at start of repayment period plus interest

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

The greater of $30 or 5% of principal balance plus interest
Immediate Cash

PERSONAL UNSECURED LOAN

Yes

PERSONAL LINE OF CREDIT

Yes

HOME EQUITY LINE OF CREDIT

Yes

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

Access to credit transfers to your linked checking account to cover overdrafts
Over-the-Counter (Branch)

PERSONAL UNSECURED LOAN

N/A

PERSONAL LINE OF CREDIT

Yes

HOME EQUITY LINE OF CREDIT

Yes

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

Access to credit transfers to your linked checking account to cover overdrafts
via Checks

PERSONAL UNSECURED LOAN

N/A

PERSONAL LINE OF CREDIT

Yes

HOME EQUITY LINE OF CREDIT

Yes

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

Access to credit transfers to your linked checking account to cover overdrafts
via Visa Card

PERSONAL UNSECURED LOAN

N/A

PERSONAL LINE OF CREDIT

Yes

HOME EQUITY LINE OF CREDIT

Yes

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

Access to credit transfers to your linked checking account to cover overdrafts
ASB Online Banking with Mobile App10

PERSONAL UNSECURED LOAN

Yes

PERSONAL LINE OF CREDIT

Yes

HOME EQUITY LINE OF CREDIT

Yes

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

Yes
Other Benefits

PERSONAL UNSECURED LOAN

N/A

PERSONAL LINE OF CREDIT

N/A

HOME EQUITY LINE OF CREDIT

Fixed Rate Equity Loan Option (FRELO) available

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

Automatic decisioning for lines up to $5,000

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  1. Additional documentation required for amounts over $400,000 up to $1,000,000.
  2. For owner-occupant EEXs up to $400,000 (excluding properties listed for sale within the prior six months), ASB will pay or waive fees and costs for flood certification (up to $9), bank’s title insurance (up to $125), credit report (up to $2.50 per borrower), trust review, condo review, mortgage recording, recording fee for the release of third-party mortgage, and valuation through an automated valuation model and property condition report (up to $185) of ASB’s choice; however, at their own cost, customers may request an appraisal at an estimated cost between $500 and $1,500. For owner-occupant EEXs up to $250,000 (excluding properties listed for sale within the prior six months), receive a credit of up to $500 at loan signing to offset a third-party lender’s early closing fee when you make an initial advance on your new EEX to pay off your existing home equity line balance of at least $10,000 with that third-party lender. This early closing fee must be assessed and identified by the third-party lender through its payoff procedure in order to receive the credit at loan signing. If you do not have an ASB checking account, a Kalo Checking account must be opened. Please see the Personal Deposit Account Terms and Conditions for other terms, conditions and fees for Kalo Checking accounts.
  3. You will be assessed a $50 annual fee on your first periodic statement and annually thereafter during the draw period. The annual fee may be waived by setting up automatic payments from an ASB Kalo DeluxeSM Checking or Private Banking Checking account at loan signing. Cancellation of automatic payments from the Kalo Deluxe Checking or Private Banking Checking account anytime during the draw period may cancel the annual fee waiver and the fee will be assessed annually thereafter.
  4. Early Closing Fee will not be assessed if (i) your Credit Limit is twenty-five thousand dollars ($25,000.00) or less, (ii) you sell the collateral to an unrelated/unaffiliated third-party, or (iii) you payoff this Agreement with proceeds from a real estate secured loan from us.
  5. Rate is based on individual’s credit worthiness. See Consumer Loans and Lines Rate Sheet for current interest rates and APRs. Rates are subject to change at any time without prior notice.
  6. Rate is based on individual’s credit worthiness. Variable rate includes an index plus margin and subject to a floor rate of 5.25% and maximum APR of 18.00%. Index is subject to change monthly and is based on the highest Prime Rate published in the Wall Street Journal. Rates are subject to change at any time without prior notice.
  7. Rate is based on individual’s credit worthiness. Variable rate includes an index plus margin and subject to a floor rate of 4.50% and maximum APR of 18.00%. Index is subject to change monthly and is based on the highest Prime Rate published in the Wall Street Journal. Rates are subject to change at any time without prior notice.
  8. A discount is offered for Preferred CreditLine Overdraft Protection accounts. The Kalo Plus or Kalo Deluxe Checking account must be open at the time of loan signing for the discount to be applicable. For details, please refer to your loan documents or disclosures.
  9. Rate and product type is based on individual’s credit worthiness.
  10. You must be enrolled in Online Banking to access mobile banking. This service is available only for AndroidTM, iPhone® and tablet devices. Standard messaging and data usage fees apply; contact your mobile carrier for details.