Current Rates

*Home Equity Line of Credit Annual Percentage Rate (APR) is 2.75% for the first year. Thereafter, the APR will be based on the Prime Lending Rate as published in the Wall Street Journal and adjusts quarterly. Iron Country Banking provides customers with a 1/4% discount off the Prime Lending Rate. Automatic deduction payment option from Iron Country Banking checking account required. Prime Rate as of July 1, 2010, is 3.25%. The promotional Home Equity Line of Credit minimum Annual Percentage Rate (APR) is 4.00%. Monthly payment based on $25,000 borrowed. New outstanding balance of $25,000 or more required at closing. If line of credit agreement is paid down below $25,000 or closed within three years of activation, a prepayment fee of $500 applies. Loans of greater than $50,000 are subject to a $100 closing fee. Title insurance required for loans greater than $100,000. On loans less than $100,000 a copy of current title insurance required. If not provided, the purchase of title insurance will be required. 1-4 family owner-occupied properties only. Property insurance required. Rates vary by overall credit worthiness and loan-to-value ratio of each applicant. Rates subject to change without notice. All New York state loans involving a lien on real estate will prices at 1/4% above the posted rates. The bank's credit criteria apply. Minimum APR 4%, Maximum APR 18% - with Iron Country Banking relationship and new outstanding balance. Subject to a Minimum of 5% and a Maximum of 18% over the life of the loan.

*Home Equity Line of Credit Annual Percentage Rate (APR) is 2.75% for the first year. Thereafter, the APR will be based on the Prime Lending Rate as published in the Wall Street Journal and adjusts quarterly. Iron Country Banking provides customers with a 1/4% discount off the Prime Lending Rate. Automatic deduction payment option from Iron Country Banking checking account required. Prime Rate as of July 1, 2010, is 3.25%. The promotional Home Equity Line of Credit minimum Annual Percentage Rate (APR) is 4.00%. Monthly payment based on $25,000 borrowed. New outstanding balance of $25,000 or more required at closing. If line of credit agreement is paid down below $25,000 or closed within three years of activation, a prepayment fee of $500 applies. Loans of greater than $50,000 are subject to a $100 closing fee. Title insurance required for loans greater than $100,000. On loans less than $100,000 a copy of current title insurance required. If not provided, the purchase of title insurance will be required. 1-4 family owner-occupied properties only. Property insurance required. Rates vary by overall credit worthiness and loan-to-value ratio of each applicant. Rates subject to change without notice. All New York state loans involving a lien on real estate will prices at 1/4% above the posted rates. The bank's credit criteria apply. Minimum APR 4%, Maximum APR 18% - with Iron Country Banking relationship and new outstanding balance. Subject to a Minimum of 5% and a Maximum of 18% over the life of the loan.