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Home Equity Rates

Interest rates and annual percentage rates are subject to change and are accurate as of 11/27/14. A late charge of 5% of the past due payment will be assessed if your payment is past due. All loans are subject to credit approval by Royal Bank America. Maximum loan to value (LTV) is 80%. Property insurance is required. You may not use this home equity loan/line for commercial purposes.  All rates shown are Annual Percentage Rate (APR). NMLS 883925

HOME EQUITY LINES OF CREDIT
(with Direct Debit from Royal Bank America account | No Annual Fee | No Application Fee | No Early Termination Fee)

Amount Financed APR (Variable*)
$10,000 – $49,999 3.50% (prime plus 0.25%)
$50,000 – $250,000 2.74% (Prime Minus 0.51%)

HOME EQUITY LINES OF CREDIT
(without Direct Debit from Royal Bank America account | No Annual Fee | No Application Fee | No Early Termination Fee)

Amount Financed APR (Variable*)
$10,000 – $49,999 4.50% (prime plus 1.25%)
$50,000 – $99,999 4.25% (prime plus 1.00%)
$100,000 – $250,000 3.99% (prime plus 0.74%)

*Variable rate is based on Wall Street Journal Prime (3.25% as of 01/01/14) and is subject to change. Minimum APR is 2% and maximum APR is 18%.

HOME EQUITY LOANS
(with Royal Bank America in 1st lien position and with Direct Debit# from Royal Bank America account | No Application Fee)

Term/Years Amount Financed($10,000 – $49,000) Amount Financed($50,000 – $250,000)
1 – 5 Years 3.49% APR Fixed 3.24% APR Fixed
6 – 10 Years 3.99% APR Fixed 3.74% APR Fixed
11 – 15 Years 4.125% APR Fixed 3.875% APR Fixed

HOME EQUITY LOANS
(with Royal Bank America in 2nd lien position and with Direct Debit# from Royal Bank America account | No Application Fee)

Term/Years Amount Financed($10,000 – $49,000) Amount Financed($50,000 – $250,000)
1 – 5 Years 4.49% APR Fixed 3.99% APR Fixed
6 – 10 Years 4.99% APR Fixed 4.49% APR Fixed
11 – 15 Years 5.49% APR Fixed 4.99% APR Fixed

#All home equity loan rates without Direct Debit from a Royal Bank America account are plus .50%. Fees may be assessed for an appraisal, title search, credit bureau, mortgage recording or satisfaction fee.

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