Compare Loans and Lines of Credit

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  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 closing 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 closing. 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. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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 application or loan closing for the discount to be applicable. For details, please refer to your loan documents or disclosures.
  8. Rate and product type is based on individual’s credit worthiness.
  9. 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.