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F & C Bank Consumer Loan Rates
Mortgage Loans
We offer a variety of loan options to choose from including secondary market fixed rate mortgages and portfolio adjustable rate mortgages. We would be happy to explain the details of each program offered. You may contact one of our mortgage professionals by just calling 816-850-5516!
Please note that the interest rate and fees shown here are available to borrowers with an excellent 
credit history. The actual interest rates available to you will be based on your credit history, loan-to-value, type of property, and/or other factors. Rates may vary according to those factors.
Rates as of Friday, May 18, 2012 | |||||||
| Product Description | Origination Fee | Interest Rate | Annual Percentage Rate | Fully Indexed Rate | Payment per $1,000 | Closing Costs | Apply |
| Secondary Market Fixed Rate Mortgages | |||||||
| Fixed Rate 30 Year Mortgage | $150.00 | 3.875% | 3.943% | N/A | $4.70 | $2,608.91 | |
| Fixed Rate 20 Year Mortgage | $150.00 | 3.750% | 3.844% | N/A | $5.93 | $2,602.46 | |
| Fixed Rate 15 Year Mortgage | $150.00 | 3.375% | 3.494% | N/A | $7.09 | $2,582.96 | |
| Portfolio Adjustable Rate Mortgages | |||||||
| 3/1 ARM Portfolio Loan {30 year} | 1.000% | 6.000% | 5.262% | 4.750% | $6.00 | $2,318.00 | |
| 5/1 ARM Portfolio Loan {30 year} | 1.000% | 6.875% | 5.804% | 4.750% | $6.57 | $2,345.30 | |
| 3/1 ARM Portfolio Loan {15 year} | 1.000% | 5.750% | 5.505% | 4.750% | $8.30 | $2,310.20 | |
| 5/1 ARM Portfolio Loan {15 year} | 1.000% | 6.375% | 6.096% | 4.750% | $8.64 | $2,329.70 | |
| Primary Residence Construction Loan | |||||||
| Primary Residence Construction Loan | 1.000% | 6.250% | 6.375% | N/A | $5.21 | $1,780.50 | |
| Bare Land Loan | 1.000% | 6.500% | 6.723% | N/A | $11.35 | $1,980.90 | |
Home Equity Line of Credit
The interest rate on a home equity line of credit is a variable rate based Wall Street Journal Prime Rate + 1.00% (currently 4.25%), subject to increase. The mininum payment due each month is interest only on the ending balance at the end of the billing cycle. The home equity line of credit has a draw period of 10 years. The balance due at end of the loan draw period, IF you only make the minimum monthly payment during the term, will have a balloon balance due at maturity. A third party appraisal fee of $150.00-$250.00 is charged depending on subject property. The client will have a right to a copy of the appraisal.
Please Note: The minimum draw amount for the home equity line of credit is $100.00.
Rates as of Friday, May 18, 2012 | ||||
| Product Description | Interest Rate | Annual Percentage Rate | Closing Costs | Apply |
| Home Equity Line of Credit | ||||
| Home Equity Line of Credit-Variable Rate | 4.250% | 4.250% | $250.00 | |
Auto Loans
Our new and used auto loans make it easy to get behind the wheel with pre-approval, financing and quick turnaround. At F&C Bank, you can feel confident knowing you are getting a great loan for your next vehicle.
Rates as of Friday, May 18, 2012 | |||||
| Product Description | Origination Fee | Interest Rate | Annual Percentage Rate | Payment per $1,000 | Apply |
| Consumer Auto Loan | |||||
| Personal Loan {Up to $3,000} | $75.00 | 16.500% | 21.387% | $90.97 | |
| Loan Amount {$3,001-$15,000} | $75.00 | 7.250% | 7.461% | $19.92 | |
| Loan Amount {$15,001-$20,000} | $75.00 | 6.000% | 6.156% | $19.33 | |
| Loan Amount {$20,001-$25,000} | $75.00 | 5.500% | 5.624% | $19.10 | |
Important Notices
The interest rates and annual percentage rate (APRs) shown above are subject to change without notice. The actual interest rate offered is based on your credit history, product, property type, repayment ability, loan term and the percentage of the remaining equity in your collateral, if applicable.
Your APR will vary based on your final loan amount and actual finance charges.
Consult your tax advisor about deductibility.
Adequate homeowner's insurance coverage is a requirement on all real estate secured loans.
Adequate full coverage auto insurance is a requirement on auto loans.
