Compare Loans and Lines of Credit

Finance your next milestone whether that's paying for tuition, consolidating debt or somewhere in between

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Lines of Credit
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Description
Fixed rate loans to solve big or small credit needs

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

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

A line of credit linked to your American Savings Bank personal checking account
Key Features & Advantages
  • No annual fee
  • No collateral required

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

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

  • Fixed interest rate
  • No interest accrued until the line is used
  • No collateral required
Uses
A simple, easy way to pay for dental work, furniture, or appliances

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

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

Overdraft protection for your checking account
Credit Limits
$2,500 to $50,000

$3,000 to $50,000

$10,000 to $1 million1

Term

3-year draw
4-year repayment

10-year draw
20-year repayment

Interest - Annual Percentage Rate (APR) (effective 12/01/2020)
Fixed
8.24% to 18.24%5

Variable - changes monthly from 7.00% to 17.75%6


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

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
Fixed monthly payments (Principal and Interest)

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.

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

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



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



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



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



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



Other Benefits


Fixed Rate Equity Loan Option (FRELO) available

Automatic decisioning for lines up to $5,000

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Download Application  |  Consumer Loan Fee Schedule

  1. Additional documentation required for amounts over $250,000 up to $1,000,000.
  2. For owner-occupant EEXs up to $250,000 (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 and Home Equity Line of Credit 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.