Conventional Mortgage Loan Fixed Interest Rates

TERM IN MONTHSINTEREST RATEANNUAL PERCENTAGE RATEPOINTSMONTHLY PAYMENT per $1,000
15 Years Fixed5.625%5.726% (1)(2)0.00$8.24
20 Years Fixed5.875%5.957% (1)(2)0.00$7.09
30 Years Fixed6.000%6.062% (1)(2)0.00$6.00

Payment does not include amounts for insurance and taxes. Actual payment obligation will be greater.
(1) APR based on $75,000 loan amount. The actual APR may vary.
(2) With 15% Down (NOTE: Lower Down Payment Loan Programs Available)
***These rates are for informational purposes and are subject to change at any time***
***Special Rules and Restrictions Apply***
***Private Mortgage Insurance required if the loan-to-value exceeds 85%***

*** RATES SUBJECT TO CHANGE AT ANYTIME WITHOUT NOTICE ***

Adjustable Rate Mortgage Loan (ARM) Interest Rates

TypeInterest RateAPR*Initial Payment per $1,000 (5)
3/1 ARM (1)6.00%5.892%$6.00 (3)
7/1 ARM (2)6.50%6.218%$6.32 (4)

*Annual Percentage Rate based on a loan amount of $75,000.00.

(1) Interest rate is fixed for the first 3 years and may adjust annually thereafter.

(2) Interest rate is fixed for the first 7 years and may adjust annually thereafter.

(3) Monthly payment per $1,000 shown for the first 3 years. Payments may increase beginning in year 4.

(4) Monthly payment per $1,000 shown for the first 7 years. Payments may increase beginning in year 8.

(5) Monthly payments shown do not include taxes and insurances. Actual payment obligation will be greater. Payments shown assume a 30-year term.

 

 

*** RATES SUBJECT TO CHANGE AT ANYTIME WITHOUT NOTICE ***

Home Equity Installment Loan

TERM IN MONTHSINTEREST RATEANNUAL PERCENTAGE RATEMONTHLY PAYMENT per $1,000
60 Months5.50%5.50% (1)(2)(3)$19.10
120 Months5.75%5.75% (1)(2)(3)$10.98
180 Months6.00%6.00% (1)(2)(3)$ 8.44
240 Months6.25%6.25% (1)(2)(3)$ 7.31

Payment does not include amounts for taxes and insurance. Actual payment obligation will be greater.
Home must be borrower’s primary residence.  Loans up to 85% of appraisal valuation, less amount currently owed, if any.

                                                                        (1) Annual Percentage Rate is based on the minimum loan amount of $5,000                                                                                                                                                                                            (2) Minimum new loan amount of $5,000. (Other rates and terms are available)                                                                                                                                                (3) A refinance of any ISB Home Equity Installment loan requires new borrowings of $10,000 or more.  Other rates and terms are available.  

*** RATES SUBJECT TO CHANGE AT ANYTIME WITHOUT NOTICE ***

Home Equity Line of Credit

FULLY INDEXED ANNUAL PERCENTAGE RATEAMOUNT
8.50% (1)Up to 85% of appraisal valuation, less amount currently owed, if any.

(1) Annual Percentage Rate is variable and may change at any time.
Maximum Annual Percentage Rate that can apply during this plan is 15.00%
Property insurance(s) will be required.

**A refinance of any ISB Home Equity Line of Credit requires new borrowings of $10,000 or more.  Other rates and terms are available**

*** RATES SUBJECT TO CHANGE AT ANYTIME WITHOUT NOTICE ***

Unsecured Line of Credit

CURRENT FULLY INDEXED ANNUAL PERCENTAGE RATE
*11.50% - Annual Percentage Rate is variable, and may change at any time.

This account has an overdraft protection feature when used with your Investment Savings Bank checking account. No Floor. No Ceiling.

*** RATES SUBJECT TO CHANGE AT ANYTIME WITHOUT NOTICE ***

Auto Loans 2016-New

TERMS IN MONTHSANNUAL PERCENTAGE RATEMONTHLY PAYMENT per $1,000
48 Months5.50%$23.26
60 Months5.75%$19.22
72 Months6.00%$16.57

*** RATES SUBJECT TO CHANGE AT ANYTIME WITHOUT NOTICE ***

Auto Loans 2015 and older

TERMS IN MONTHSANNUAL PERCENTAGE RATEMONTHLY PAYMENT per $1,000
48 Months5.75%$23.37
60 Months6.00%$19.33
72 Months6.25%$16.69

*** RATES SUBJECT TO CHANGE AT ANYTIME WITHOUT NOTICE ***

Personal Unsecured Loans

TERMS IN MONTHSANNUAL PERCENTAGE RATEMONTHLY PAYMENT per $1,000
36 Months9.00%$31.80
48 Months9.25%$25.00
60 Months9.50%$21.00

*** RATES SUBJECT TO CHANGE AT ANYTIME WITHOUT NOTICE ***

Certificate of Deposit Rates

TermMinimum Balance to Obtain APYInterest RatesAnnual Percentage YieldDisclosure
7-31 Day$2,500.000.10%0.10%View 7-31 Day CD Disclosure
91 Day$2,500.000.15%0.15%View 91 Day CD Disclosure
6 Months$500.000.15%0.15%View 6 Months CD Disclosure
9 Months$500.000.15%0.15%View 9 Months CD Disclosure
1 Year$500.003.75%3.75%View 1 Year CD Disclosure
12 Month Variable Rate$1,000.00 - $9,999.99*0.15%0.15%View 12 Month Variable Rate CD Disclosure
12 Month Variable Rate$10,000.00 - $24,999.99*0.20%0.20%View 12 Month Variable Rate CD Disclosure
12 Month Variable Rate$25,000.00 & Up*0.25%0.25%View 12 Month Variable Rate CD Disclosure
18 Months$500.003.25%3.28%View 18 Months CD Disclosure
2 Year$500.000.40%0.40%View 2 Year CD Disclosure
25 Month Double Up$500.000.40%0.40%View 25 Month Double Up CD Disclosure
30 Month $500.002.00%2.01%View 30 Month CD Disclosure
3 Years $500.00*0.50%0.50%View 3 Years SPECIAL CD Disclosure
4 Years$500.000.50%0.50%View 4 Years CD Disclosure
5 Years$500.000.50%0.50%View 5 Years CD Disclosure

*** RATES SUBJECT TO CHANGE AT ANYTIME WITHOUT NOTICE ***

Altoona Office
900 S. 16th Street 
Altoona, PA  16602
Phone: (814) 944-0843
Fax: (814) 942-6821

Lobby Hours

MON-FRI: 9:00am – 4:30pm

Drive Up Hours
MON-THU: 9:00am – 4:30pm
FRI: 9:00am – 6:00pm
SAT: Closed

Holiday Hours

Duncansville Office
201 Patchway Road
Duncansville, PA 16635
Phone: (814) 695-7551
Fax: (814) 695-1369

Lobby Hours

MON-FRI: 9:00am – 4:30pm

Drive Up Hours
MON-THU: 9:00am – 4:30pm
FRI: 9:00am – 6:00pm
SAT: Closed

After Hours
To report a lost or stolen debit card
after business hours, please call
1-800-554-8969.

To report a lost or stolen credit card
after business hours, please call
1-800-325-3678.

For credit card balance inquiries
after business hours, please call
1-800-299-9842.

ISB Bank
FDIC and Equal Housing Lender

©2024 Investment Savings Bank
All Rights Reserved.
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