Consumer Loan Rates
Effective Date: 10/20/2021
|
Maximum Term (Months) |
APR |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
24 |
2.50% |
100% |
$5,000 |
$75,000 |
$42.76 |
|
36 |
2.50% |
100% |
$5,000 |
$75,000 |
$28.86 |
|
48 |
2.75% |
100% |
$5,000 |
$75,000 |
$22.02 |
|
60 |
2.99% |
100% |
$5,000 |
$75,000 |
$17.96 |
|
72 |
3.25% |
100% |
$5,000 |
$75,000 |
$15.31 |
|
Maximum Term (Months) |
APR |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
24 |
2.75% |
100% |
$5,000 |
$75,000 |
$42.87 |
|
36 |
2.75% |
100% |
$5,000 |
$75,000 |
$28.97 |
|
48 |
2.99% |
100% |
$5,000 |
$75,000 |
$22.13 |
|
60 |
3.25% |
100% |
$5,000 |
$75,000 |
$18.08 |
|
Maximum Term (Months) |
APR |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
24 |
2.50% |
100% |
$4,000 |
$50,000 |
$42.76 |
|
36 |
2.50% |
100% |
$4,000 |
$50,000 |
$28.86 |
|
48 |
2.75% |
100% |
$4,000 |
$50,000 |
$22.02 |
|
60 |
2.99% |
100% |
$4,000 |
$50,000 |
$17.96 |
|
72 |
3.25% |
100% |
$4,000 |
$50,000 |
$15.31 |
|
Maximum Term (Months) |
APR |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
24 |
2.75% |
100% |
$4,000 |
$50,000 |
$42.87 |
|
36 |
2.75% |
100% |
$4,000 |
$50,000 |
$28.97 |
|
48 |
2.99% |
100% |
$4,000 |
$50,000 |
$22.13 |
|
60 |
3.25% |
100% |
$4,000 |
$50,000 |
$18.08 |
|
Maximum Term (Months) |
APR |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
24 |
3.99% |
100% |
$5,000 |
$75,000 |
$43.42 |
|
36 |
3.99% |
100% |
$5,000 |
$75,000 |
$29.52 |
|
48 |
4.25% |
100% |
$5,000 |
$75,000 |
$22.69 |
|
60 |
4.50% |
100% |
$5,000 |
$75,000 |
$18.64 |
|
84 |
4.75% |
100% |
$5,000 |
$75,000 |
$14.02 |
|
120 |
5.25% |
100% |
$5,000 |
$75,000 |
$10.73 |
|
Maximum Term (Months) |
APR |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
24 |
4.25% |
100% |
$5,000 |
$50,000 |
$43.54 |
|
36 |
4.25% |
100% |
$5,000 |
$50,000 |
$29.64 |
|
48 |
4.50% |
100% |
$5,000 |
$50,000 |
$22.80 |
|
60 |
4.75% |
100% |
$5,000 |
$50,000 |
$18.76 |
|
84 |
5.00% |
100% |
$5,000 |
$50,000 |
$14.13 |
|
120 |
5.50% |
100% |
$5,000 |
$50,000 |
$10.85 |
|
Maximum Term (Months) |
APR |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
24 |
3.99% |
100% |
$5,000 |
$75,000 |
$43.42 |
|
36 |
3.99% |
100% |
$5,000 |
$75,000 |
$29.52 |
|
48 |
4.25% |
100% |
$5,000 |
$75,000 |
$22.69 |
|
60 |
4.50% |
100% |
$5,000 |
$75,000 |
$18.64 |
|
84 |
4.75% |
100% |
$5,000 |
$75,000 |
$14.02 |
|
120 |
5.25% |
100% |
$5,000 |
$75,000 |
$10.73 |
|
Maximum Term (Months) |
APR |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
24 |
4.25% |
100% |
$5,000 |
$50,000 |
$43.54 |
|
36 |
4.25% |
100% |
$5,000 |
$50,000 |
$29.64 |
|
48 |
4.50% |
100% |
$5,000 |
$50,000 |
$22.80 |
|
60 |
4.75% |
100% |
$5,000 |
$50,000 |
$18.76 |
|
84 |
5.00% |
100% |
$5,000 |
$50,000 |
$14.13 |
|
120 |
5.50% |
100% |
$5,000 |
$50,000 |
$10.85 |
|
Maximum Term (Months) |
APR |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
24 |
3.99% |
100% |
$4,000 |
$30,000 |
$43.42 |
|
36 |
3.99% |
100% |
$4,000 |
$30,000 |
$29.52 |
|
48 |
4.25% |
100% |
$4,000 |
$30,000 |
$22.69 |
|
60 |
4.50% |
100% |
$4,000 |
$30,000 |
$18.64 |
|
Maximum Term (Months) |
APR |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
24 |
4.25% |
100% |
$4,000 |
$20,000 |
$43.54 |
|
36 |
4.25% |
100% |
$4,000 |
$20,000 |
$29.64 |
|
48 |
4.50% |
100% |
$4,000 |
$20,000 |
$22.80 |
|
60 |
4.75% |
100% |
$4,000 |
$20,000 |
$18.76 |
|
Maximum Term (Months) |
APR |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
24 |
3.99% |
100% |
$4,000 |
$50,000 |
$43.42 |
|
36 |
3.99% |
100% |
$4,000 |
$50,000 |
$29.52 |
|
48 |
4.25% |
100% |
$4,000 |
$50,000 |
$22.69 |
|
60 |
4.50% |
100% |
$4,000 |
$50,000 |
$18.64 |
|
Maximum Term (Months) |
APR |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
24 |
4.25% |
100% |
$4,000 |
$20,000 |
$43.54 |
|
36 |
4.25% |
100% |
$4,000 |
$20,000 |
$29.64 |
|
48 |
4.50% |
100% |
$4,000 |
$20,000 |
$22.80 |
|
60 |
4.75% |
100% |
$4,000 |
$20,000 |
$18.76 |
|
Maximum Term (Months) |
APR |
Max Loan to Value |
Minimum Loan |
Maximum Loan* |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
24 |
5.50% |
N/A |
$2,500 |
$20,000 |
$44.10 |
|
36 |
5.50% |
N/A |
$2,500 |
$20,000 |
$30.20 |
|
48 |
6.00% |
N/A |
$2,500 |
$20,000 |
$23.49 |
|
60 |
6.00% |
N/A |
$2,500 |
$20,000 |
$19.33 |
|
APR |
Maximum Term (Months) |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
13.15% - Personal |
N/A |
N/A |
$1,500 |
$7,500 |
N/A |
|
13.15% - Business |
N/A |
N/A |
$2,500 |
$10,000 |
N/A |
|
Account Type |
APR |
Maximum Term (Months) |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|---|
|
Certificate of Deposit |
1.50% |
* |
95% |
$2,500 |
** |
N/A |
* ONLY Adirondack Bank CD's are accepted. Term length must match or exceed the length of the CD.
** Max. Loan Amount 95% of the pledged principal balance of instrument
|
Maximum Term (Months) |
APR |
Max Loan to Value |
Minimum Loan |
Maximum Loan |
Monthly P&I Payment Per $1,000 |
|---|---|---|---|---|---|
|
24 |
6.50% |
N/A |
$2,500 |
$10,000 |
$44.55 |
|
36 |
6.50% |
N/A |
$2,500 |
$10,000 |
$30.65 |
|
48 |
7.00% |
N/A |
$2,500 |
$10,000 |
$23.95 |
|
60 |
7.50% |
N/A |
$2,500 |
$10,000 |
$20.04 |
APR = Annual Percentage Rate
Monthly P & I (Principal and Interest) for the chart above is provided for purpose of illustration.
To calculate your monthly principal and interest payment using the chart above, simply multiply the dollar
figure in the last column by the loan amount desired and divide by 1,000.
ADvantage Line of Credit APR is subject to change from time to time based on changes in an independent index
which is the Wall Street Prime Rate.
Rates quoted are Adirondack Bank's best available rates. Loan rates and terms are determined by overall credit score and are subject to change. Applications are subject to credit approval.
