Interest Rates current as of September 2, 2010
(Interest Rates Subject to Change Without Notice)

Click on the links below to find out more about each Account's Interest Rates.
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Home Equity Loans
Home Equity Loans
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Offer of credit subject to credit approval. Interest and Annual Percentage Rates (APRs) are subject to change without notice.

Term Minimum Loan Amount Loan to Value Ratio Annual Percentage Rate(APR) Monthly Payment (P & I) Per Each $1,000
5 Year Fixed
$5,000 Up to 85% 6.50% $19.57
5 Year Balloon
(15 year amortization)
$10,000 Up to 85% 7.00% $8.99
7 year Fixed
$7,500 Up to 85% 7.00% $15.10
10 Year Fixed
$10,000 Up to 85% 7.00% $11.61
15 year Fixed
$10,000 Up to 85% 7.40% $9.22

The above rates reflect the use of automatic payments from an Artisans' deposit account. If, after you open your account, you change from an automatic payment to another payment method, your annual percentage rate may increase. Automatic payments from other institutions or use of coupons for payments is available at slightly higher rates. Consult a Tax Advisor regarding the deductibility of interest.
Home Equity Lines of Credit
Home Equity Lines of Credit
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This is a variable rate account. Annual Precentage Rate may increase after account is opened. Offer of credit subject to credit approval. Interest and Annual Percentage Rates (APRs) are subject to change without notice.

Product Annual Percentage Rate (APR) Loan to Value Ratio
Home Equity Line of Credit
4.50% Up to 80%

The Rate is the Wall Street Journal Prime Rate of Interest, plus 1.25% on the first of March, June, September, or December. The Rate will never be higher than 19%. Consult a Tax Advisor regarding the deductibility of interest. Accounts opened prior to February 24, 2009 are based on differrent formulas.
Auto, Truck, & Van Loans
Auto, Truck, & Van Loans
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Offer of credit subject to credit approval. Interest and Annual Percentage Rates (APRs) are subject to change without notice.

Account Type New or Pre-Owned Loan to Value Ratio Annual Percentage Rate Monthly Payment Per Each $1,000
36 Month
New Up to 80% 7.24% $30.99
36 Month
New Over 80% up to 100% 7.74% $31.22
48 Month
New Up to 80% 7.49% $24.17
48 Month
New Over 80% up to 100% 7.99% $24.41
60 Month
New Up to 80% 7.74% $20.15
60 Month
New Over 80% up to 100% 8.24% $20.39
66 Month*
New Up to 80% 7.74% $18.65
48 Month – Model Years 2003 to 2001
Pre-owned Up to 80% 9.50% $25.12
60 Month – Model Years 2007 to 2004
Pre-owned Up to 80% 8.75% $20.63

*66 month loan terms are for $20,000 or higher loan balances. Pre-owned financing is 80% loan-to-value of the NADA retail value. Rates listed reflect automatic payment from an Artisans' Bank or other financial institution account. If, after opening the account, you change your payment method, your annual precentage rate may increase. Add 0.50% for APR without automatic loan payments.
Personal Loans
Personal Loans
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Offer of credit subject to credit approval. Interest and Annual Percentage Rates (APRs) are subject to change without notice.

Term Amount Annual Percentage Rate Monthly Payment Per Each $1,000
2 Years
$500 to $1,500 15.25% $48.60
2 Years
$1,501 to $3,000 14.25% $48.12
3 Years
$3,001 to $4,999 14.00% $34.17
4 Years
$5,000 to $25,000 12.99% $26.82
5 Years
$5,000 to $25,000 12.99% $22.74

Rates listed reflect automatic payment from and Artisans' Bank or other financial institution account. If, after you open your account, you change your payment method, your annual percentage rate may increase. Add 0.50% for APR without automatic loan payments.
Credit Cards
Credit Cards
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We offer a wide range of credit card products. For more information call us at 302-658-6854. Offer of credit subject to credit approval.
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