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Deposit information presented on the website of First State Bank of Sauk Centre is in accordance with the Federal Reserves Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.
Loan information presented on the website of First State Bank of Sauk Centre is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.
Home Equity Loan Rate Disclosures:
Fixed Rate Home Equity Loan – Interest rates and terms are subject to change. Normal underwriting guidelines apply. Standard fees at the borrower’s expense.
Home Equity Line of Credit – Monthly Payments of Interest Only based on the outstanding balance of the line – The fully indexed Annual Percentage Rate (APR) is Prime + a margin of either 0%, 0.50%, or 1.00%. [“Prime” means the prime rate as published in The Wall Street Journal.] The interest rate may increase or decrease and cannot fall below 4% and cannot exceed 15%. Appraisal or title insurance, if required, at the borrower’s expense. Property insurance is required. Flood insurance may be required. Normal underwriting guidelines apply. Non-owner-occupied loans are available at 2% above Prime. For lines of credit with a combined loan to value above 80%, an additional margin of 0.50% will be added to Prime.
Mortgage Loan Rate Disclosures:
7 Year Balloon – Interest rates and terms are subject to change. Normal underwriting guidelines apply. The borrower pays all closing costs.
5 Year Balloon – Interest rates and terms are subject to change. Normal underwriting guidelines apply. The borrower pays all closing costs.
Construction Loan – Interest rates and terms are subject to change. Normal underwriting guidelines apply. The borrower pays all closing costs.