Loan Rates

Mortgage Rates

Effective: 09/13/2017

Residential Mortgages-Purchase Refinance Construction-Loan to Value 80% or less

Residential Mortgages - Purchase / Refinance / Construction - Loan to Value 80% or less

TypeAnnual Percentage RateTerm2Monthly Payment per Thousand3
Fixed Rates14.125%120 Months$10.18
4.250%180 Months$7.52
5.000%240 Months$6.60
5.375%360 Months$5.60
1/1 ARM 1, 43.375%up to 360 Months$4.42
3/1 ARM 1, 53.500%up to 360 Months$4.49
5/1 ARM 1, 63.750%up to 360 Months$4.63
7/1 ARM 1, 73.875%up to 360 Months$4.70
Unimproved Real Estate7.000%up to 180 months$8.99
Unimproved Real Estate7.250%up to 240 Months$7.90
Agriculture or Multi-use Property6.000%up to 240 Months$7.16
Fixed Rate HELOC 1, 85.500%$10.85
Fixed Rate HELOC 1, 95.500%$8.17
Variable Rate HELOC 1, 104.750%$7.78
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated number of months.
3Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available and does not include insurance or tax escrow.
4Interest Rate will change annually. The rate is based on an index, the weekly average yield on US Treasury Bill - 1 year, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
5Interest rate is fixed for 3 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 3 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
6Interest rate is fixed for 5 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 5 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
7Interest rate is fixed for 7 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 10 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
8Term: 5 year draw 10 year repayment.
9Term: 1 year draw 15 year repayment.
10Term: 10 year draw 15 year repayment, variable rate and therefore rate may increase. Interest rate is based on the Wall Street Journal Prime Rate.

*Other terms and conditions may apply.
Residential Mortgages-Purchase Refinance Construction-Loan to Value 81% to 90%

Residential Mortgages - Purchase / Refinance / Construction - Loan to Value 81% to 90%

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
Fixed Rates4.375%120 Months$10.30
4.500%180 Months$7.65
5.250%240 Months$6.74
1/1 ARM43.625%up to 360 Months$4.56
3/1 ARM53.750%up to 360 Months$4.63
5/1 ARM64.000%up to 360 Months$4.77
7/1 ARM74.125%up to 360 Months$4.85
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated number of months.
3Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available and does not include insurance or tax escrow.
4Interest Rate will change annually. The rate is based on an index, the weekly average yield on US Treasury Bill - 1 year, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
5Interest rate is fixed for 3 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 3 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
6Interest rate is fixed for 5 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 5 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
7Interest rate is fixed for 7 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 10 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
8Term: 5 year draw 10 year repayment.
9Term: 1 year draw 15 year repayment.

*Other terms and conditions may apply.

Consumer Loan Rates

Effective: 09/13/2017

Check Loan

Check Loan

TypeAnnual Percentage Rate11
Check Loan15.900%
11Check Loan is activated by an overdraft in the checking account. Interest is charged on active principal balances only. All applications will require a comprehensive review. All Check Loan customers must maintain a checking account at Jeff Bank.

*Other terms and conditions may apply.
Unsecured
TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
Installment10.250%48 months$25.48
Time/Demand10.250%Not to exceed 12 months$88.03
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.

*A/C for above loans-deduct 1% for automatic withdrawal from account.
*Other terms and conditions may apply.
Auto / RV / Motorcycle / Boat

Auto / RV / Motorcycle / Boat

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 2016-20174.000%60 months$18.42
Used 2015-20164.500%60 months$18.64
Used 2013-20145.500%48 months$23.26
Used 2009-20126.500%36 months$30.65
New RV7.500%120 months$11.87
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.
ATV / Snowmobile

ATV / Snowmobile

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 2016-20178.000%60 months$20.28
Used 2015-20169.000%48 months$24.89
Used 2013-201410.500%36 months$32.50
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.
Mobile Homes

Mobile Homes

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 2016-20176.750%180 months 80% LTV$8.85
New 2016-20176.500%120 months 90% LTV$11.35
New 2016-20176.250%120 months 80% LTV$11.23
Used 1999-20029.000%48 months$24.89
Used 2003-20078.500%60 months$20.52
Used 2008-20128.000%84 months$15.59
Used 2013-20167.750%120 months$12.00
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.
Other Retail Consumer Goods

Other Retail / Consumer Goods

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New10.000%60 months$21.25
Used10.250%48 months$25.48
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.
Liquid Collateral

Liquid Collateral

TypeTerm2 
CDUp to 60 monthsCD Rate + 3.000%
Listed Stock - Variable RateUp to 60 monthsPrime + 0.5000%
2Terms are available to the stated maximum number of months.


*Other terms and conditions may apply.

WeatherIcon For: Weather

Today
Icon For: Clouds
73o
66o
Thu
Icon For: Clouds
79o
62o
Fri
Icon For: Clear
76o
54o
Sat
Icon For: Clear
77o
57o
Sun
Icon For: Clear
79o
57o

Jeffersonville, New York: 71o

Change City   Data by OpenWeatherMap

Change City

Cancel
×

SUBMIT AN EVENT

Event Name is required and must be a string.
Event Date is required and must be a string.
Event Date is required and must be a string.
Event Description is required and must be a string.

The following information is for Bank use ONLY and will not be published:

Name is required and must be a string.

By submitting an event, I acknowledge that you are under no obligation to post the event on your Event Calendar. You may edit the text for the event at your sole discretion.

×