1APR = Annual Percentage Rate. Effective December 19, 2024 rates are subject to change and special offers may be discontinued without notice. Subject to credit approval. Standard underwriting criteria apply. 2Monthly payments will vary based on amount borrowed and term. Any projected payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater. 3This product is a variable rate line of credit based on Wall Street Journal Prime (WSJP), our standard rate, currently 7.50% as of 12/19/2024, plus a margin between 2% and 7.5% determined by credit score, loan amount, and debt to income ratio, and will not exceed 18% APR. Monthly payment equals 2.00% of the principal balance outstanding on the last day of the billing cycle plus accrued interest ($25 minimum). 4The advertised rate is based on Wall Street Journal Prime (WSJP), currently 7.50% as of 12/19/2024, + 7.5% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 41% 5The advertised rate is based on Wall Street Journal Prime (WSJP), currently 7.50% as of 12/19/2024, + 7.0% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 41% 6The advertised rate is based on Wall Street Journal Prime (WSJP), currently 7.50% as of 12/19/2024, + 4.5% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45% 7The advertised rate is based on Wall Street Journal Prime (WSJP), currently 7.50% as of 12/19/2024, + 4.0% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45% 8The advertised rate is based on Wall Street Journal Prime (WSJP), currently 7.50% as of 12/19/2024, + 4.0% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45% 9The advertised rate is based on Wall Street Journal Prime (WSJP), currently 7.50% as of 12/19/2024, + 2.0% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. Ephrata National Bank, Member FDIC. Equal Housing Lender.
