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
Find out how much your monthly payment will be!
