Personal Loan Rates

Our loan rates are competitive. Please contact us today to get your loan started.

The Rates are accurate as of Wednesday, September 29, 2021

Residential Mortgage Loans

Dwelling must be owner occupiedAPRPoints
Fixed Rate 15 years or less2.99%.25%*
Fixed Rate 20 years3.24%.25%*
One Year Adjustable Rate2.49%.25%*
*Refinance of existing 1ST SUMMIT BANK mortgage loan is .50% (points).
These "Relationship Rates" are based on the borrower having at least four services and $20,000 in loans and/or deposits with 1ST SUMMIT BANK. 

Contingent approval within 24 hours Monthly payments tailored to meet your needs We specialize in Home Construction Loans (Contractor or self-built) Competitive terms and rates available Escrow service available for paying your real estate taxes and/or homeowners insurance


Home Equity Term Loans (First Lien Mortgages)

Dwelling must be owner occupied.APR
5-10 Years2.99%
These Relationship Rates are based on the borrower having at least four services and $20,000 in loans and/or deposits with 1ST SUMMIT BANK.

Home Equity Term Loans (Second-Junior Lien Mortgages)

Dwelling must be owner occupied.APR
60 Months3.24%
120 Months3.49%
These Relationship Rates are based on the borrower having at least four services and $20,000 in loans and/or deposits with 1ST SUMMIT BANK.
Contingent approval within 24 hours and monthly payments tailored to meet your needs.

Auto Loans

 APR
New Auto-60 months3.24%
Used Auto-60 months (2016-2020 model year)4.24%

Fixed APR with monthly payments tailored to meet your needs. Plus, .25% discount may apply with automatic payments from a 1ST SUMMIT BANK checking account.


Non-Real Estate Loans (Secured or Unsecured)

 APR
36 Months or Less10.49%
37 to 60 Months10.99%
61 to 120 Months11.49%

Apply for a Loan

To Qualify for a relationship rate you must have four services and $20,000 combined in deposits and/or loans with 1ST SUMMIT BANK. Four services can be any of the following:

  • Loans (Each loan is one service.)
  • Deposits (Each account is one service.)
  • Trust Accounts (Each account is one service.)
  • Financial Advisors Accounts (Each account is one service.)
  • VISA® Credit Card
  • Credit Card Merchant
  • Safe Deposit Box (Counts as one service regardless of the number of boxes rented.)

All of the above rates are subject to change and are provided for informational purposes only. Rate is available with a minimum F.I.C.O. credit score of 700 to qualify. Rates and terms are subject to borrower qualifications. Other terms and rates are available. The term APR represents Annual Percentage Rate.

NMLS#407554

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