Consumer Loan Rates Table
Home Equity (Minimum $10,000)
Fixed Rate Loan
Bi-weekly payment option available for 5
to 30 year term. Monthly payment option available for 5 to 15 year term. 16 to 30 year term available on bi-weekly loans $30,000 or more only.
Term
(months)
$ Amount
Monthly
APR
BI-Weekly
APR
60
$10,000-up
7.45%
7.45%
61 to 120
$10,000-up
7.45%
7.45%
121 to 180
$10,000-up
7.70%
7.70%
181 to 240
$30,000-up
N/A
7.99%
241 to 360
$30,000-up
N/A
8.79%
Rates listed are for Home Equity Lines and Loans with Loan to Value Ratios up to 85%. Rates listed are for owner-occupied primary residences. Other rates and terms apply for non-owner-occupied properties. ALL rates and terms are subject to credit qualification.
Automatic Payment Transfer Discount: Receive 1/4% discount on APR with an Automatic Payment Transfer from a First Niagara Bank checking account. Applies to all Home Equity products.
Ultra Flex Home Equity
Line of Credit
Prime +0.75%
All lines from $25,000 to $250,000
Prime +0.50%
With Payments Deducted from a First Niagara Checking Account
Prime +1.25%
All lines from $10,000 to $24,999
Prime +1.00%
With Payments Deducted from a First Niagara Checking Account
Home Improvement Loans (Minimum $5,000)
$ Amount
APR
Term (months)
$5,000 - $25,000 Unsecured
11.75%
To 60
$5,000 - $40,000 Secured - not by Real Estate
11.24%
To 60
Personal Loans (Minimum $5,000)
$ Amount
APR
Term (months)
$5,000 - $25,000 Unsecured
13.24%
To 60
$5,000 - $60,000 Secured by eligible deposit account
6.50%
To 60
$5,000 - $40,000 Secured by other lien-free collateral (ie. boat, RV, motorcycle, ATV, camper)
10.50%
To 60
Signature Line of Credit (Minimum $5,000)
$ Amount
APR
$5,000 - $25,000
Prime + 7.50%
Vacant Land Loans (Minimum $5,000)
$ Amount
APR
Term (months)
$5,000 - $60,000
9.99%
To 60 Months and $375 application fee
ALL RATES ARE SUBJECT TO CHANGE. Additional information on all products and rates listed may be obtained by calling 716-625-7600 or 1-800-421-0004. For 24-hour service, call First Niagara Bank's Customer Connection Line at, 716-625-7700 or 1-800-439-8230
Effective May 4, 2009
