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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
 
6.99%
 
6.99%

61 to 120
 
$10,000-up
 
6.99%
 
6.99%

121 to 180
 
$10,000-up
 
7.25%
 
7.25%

181 to 240
 
$30,000-up
 
N/A
 
7.75%

241 to 360
 
$30,000-up
 
N/A
 
8.35%

Rates listed are for Home Equity Lines and Loans with Loan to Value Ratios up to 85%. Lines and Loans with Loan to Value ratios up to 95% are available at a rate .95% higher than those listed. 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.

ATA 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.


New Simplified Rates!
Revolving Line of Credit
Great low introductory APR for the first 4 billing cycles
After the first 4 cycles:
Prime -0.25%
 
Lines from $10,000 to $250,000
Prime -0.50%
 
Lines with payments automatically deducted from a First Niagara Checking account.
Add .95% to APR (after first 4 billing cycles) when loan to value is between 85.01% - 95%

Home Improvement Loans (Minimum $5,000)
$ Amount
 
APR
 
Term (months)

$5,000 - $25,000 Unsecured
 
11.49%
 
To 60

$5,000 - $40,000 Secured - not by Real Estate
 
10.99%
 
To 60

Personal Loans (Minimum $5,000)
$ Amount
 
APR
 
Term (months)

$5,000 - $25,000 Unsecured
 
12.99%
 
To 60

$5,000 - $60,000 Secured by eligible deposit account
 
7.00%
 
To 60

$5,000 - $40,000 Secured by other collateral ie, lien,free boat, RVs, motorcycles, ATVs, campers
 
10.25%
 
To 60

Signature Line of Credit (Minimum $5,000)
$ Amount
 
APR

$5,000 - $25,000
 
Prime + 6%

Vacant Land Loans (Minimum $5,000)
$ Amount
 
APR
 
Term (months)

$5,000 - $60,000
 
9.99%
 
To 60 Months and $375 application fee

Credit Card/VISA
0% APR up to 6 months APR Introductory Rate
Current Rate Currently as low as 12.24% APR variable, depending on credit history
"No Annual Fee"

ALL RATES ARE SUBJECT TO CHANGE. Additional information on all products and rates listed may be obtained by calling 1-716-625-7600 or 1-800-421-0004 For 24-hour service, call First Niagara Bank. Customer Connection Line at 625-7700 or 1-800-439-8230

Effective May 1, 2008

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