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Loan Rates

Consumer Loan Rates

Effective February 7, 2012

Rates are subject to change at any time.

Home Equity	APR	Maximum Amount	Maximum Term	Maximum L-T-V ***	Payment per $1,000
Line of Credit*	1.990%	N/A	20 yrs.**	80%	$1.65
Loan	4.750%	$500,000	5 yrs.	80%	$18.76
	4.990%	$500,000	10 yrs.	80%	$10.61
	5.125%	$500,000	15 yrs.	80%	$7.98

*Maximum annual percentage rate (APR) is 18%.
Line of credit first 12 months 1.99% (APR) then Prime Rate or 3.25% floor. Interest only payment first 10 yrs.

***with appraisal

Loan	Term	Rate	Down Payment	Payment per $1,000
New Car or Truck**
2010 (<5k mi) / 2011	60 mo.	5.750%	10%	$19.22
	48 mo.	5.490%	10%	$23.25
Used Car or Truck**
2009 - 2006	60 mo.	5.990%	10%	$19.33
2010 - 2005	48 mo.	5.750%	10%	$23.38

** includes 1/4% discount on installment loans with automatic payment from Freedom checking account.

Mortgage Rates

Effective February 7, 2012

Rates are subject to change at any time.

Fixed Rates (up to $322,700)	Rate	Points	APRAnnual Percentage Rate	Payment per $1,000	Loan to Value*
15 Year Special	Call our mortgage department (401)949-1600 for current rates.

* LTV > 80% require Private Mortage Insurance

Adjustable Rates (up to 30 yr. term)	Rate	Points	APRAnnual Percentage Rate	Periodic Cap	Life cap
1 Year Review	Call our mortgage department (401)949-1600 for current rates.
3 Year Review
5 Year Review

Please be advised that Freedom National Bank will never contact you to ask for confidential information such as account numbers, user identifications or passwords through this website, by telephone or via e-mail. If you receive such a request for the above information, please contact our security department immediately at 401-949-1600 x111 or email us at info@freedomnationalbank.com For more information on how we protect the privacy and security of our customers, please click our privacy and security links.