Consumer Loan Rates

Consumer Loan Rates Effective January 1, 2017
Please note that the Annual Percentage Rates (APRs) shown here are available to borrowers with an excellent credit history. The actual APR available to you will be based on your credit history and payment method** and may be different than the APR displayed here.
AUTO
Model Year Maximum Loan to Value* (LTV) APR** Maximum Term (Months) Monthly Pmt. per $1,000
2017-2014 100% 2.49% 60 $17.74
2013 90% 3.99% 48 $22.57
2012 90% 5.49% 48 $23.25
2011 80% 6.49% 36 $30.64
2010 & older 80% 7.49% 36 $31.10
Motorcycles: Add 2.00% to the above stated rates.
*Loan to value is based on the NADA Value or Purchase Price, whichever is less.
**Annual Percentage Rate (APR) reflects .50% discount for automatic payment from an Avidia Bank checking account. An additional .25% discount may apply for Bank At Work account customers. The actual APR available to you will be based on your credit history and payment method. Other rates, terms or conditions may apply.
All Auto loans are subject to a $20 Vendors Single Interest insurance fee. The VSI fee insures the vehicle against physical damage in the event that insurance coverage is cancelled or lapses.
An Insurance Binder naming Avidia Bank as "loss payee" is required on all auto loans prior to or at closing.
 
PERSONAL/UNSECURED LOANS
APR** Maximum Term (Months) Monthly Pmt. per $1,000
10.49% 60 $21.49
**Annual Percentage Rate (APR) reflects .50% discount for automatic payment from an Avidia Bank checking account. The actual APR available to you will be based on your credit history and payment method. Other rates, terms or conditions may apply.
COLLATERAL LOANS
  APR** Term***
Savings and Certificate Secured (Non-IRA accounts) 3.00% above the current interest rate on the deposit account securing the loan See Note Below
**Annual Percentage Rate (APR) reflects .50% discount for automatic payment from an Avidia Bank checking account. The actual APR available to you will be based on your credit history and payment method. Other rates, terms or conditions may apply.
***The maturity date of a collateral loan secured by a Certificate of Deposit account may not exceed the maturity date of the certificate of deposit account.
OVERDRAFT LINE OF CREDIT
APR** Term
WSJ Prime + 8.00%; variable Currently 11.50% Revolving
Overdraft Lines of Credit have a maximum rate of 18%. The rate is variable and is subject to increase after consummation. The rate adjusts monthly to the Wall Street Journal Prime Rate plus a margin of 8.00%. The Wall Street Prime Rate is currently 3.50% as of December 30, 2015.
**Annual Percentage Rate (APR) reflects .50% discount for automatic payment from an Avidia Bank checking account. The actual APR available to you will be based on your credit history and payment method. Other rates, terms or conditions may apply.
ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE

Please contact a Customer Service Representative at any of our locations for further information, or call (800) 508-BANK (2265)