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Eastern Michigan Bank is ready to help you prepare for retirement! We have Individual Retirement Accounts to meet your needs. It's never too early or too late to start saving!

Consumer Loan Rates
Eastern Michigan Bank | March 10, 2010

Interest Rates current as of January 7, 2009
(Interest Rates Subject to Change Without Notice)

Click on the links below to find out more about each Account's Interest Rates.
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New & Used Automobiles
New & Used Automobiles
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Year   Term   Interest Rate   APR*  
2009 & 2010  
66 Months   7.50%   7.65%  
 
72 Months   7.75%   7.90%  
2008  
66 Months   7.50%   7.66%  
2007  
60 Months   7.50%   7.67%  
2006  
54 Months   8.25%   8.43%  
2005  
48 Months   8.25%   8.45%  
2004  
42 Months   9.00%   9.23%  
2003  
36 Months   11.00%   11.27%  

*APR is Annual Percentage Rate. A 10% down payment is required. For example on a $20,000.00 loan with an interest rate of 7.50% and APR of 7.66% you would make principal and interest payments of $372.33 for 66 months. For additional details contact an EMB location near you.

All rates are subject to change.

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RVs, Motorcycles, Snowmobiles, Jet Ski, Boat, ATVs
RVs, Motorcycles, Snowmobiles, Jet Ski, Boat, ATVs
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Term   Rate   APR*  
Up to 60 Months  
7.99%   8.6682%  
Up to 60 Months  
9.99%   10.7631%  

*APR is Annual Percentage Rate. A 10% down payment is required. For example a $5,000.00 loan with an interest rate of 7.99% and APR of 8.6682% you would make principal and interest payments of $102.99 for a period of 60 months. For additional details contact an EMB location near you.

All rates are subject to change.

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Personal Unsecured Loans
Personal Unsecured Loans
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Term   Rate   APR*  
12-36 Months  
14.25%   15.33%  

*APR is Annual Percentage Rate. For example on a $5,000.00 loan with an interest rate of 14.25% and APR of 15.33% you would make principal and interest payments of $174.15 for a period of 36 months. For additional details contact an EMB location near you.

All rates are subject to change.

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Home Equity Loans Up to 80% LTV
Home Equity Loans Up to 80% LTV
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Rates quoted are for Primary residence and first liens only. If you are interested in a Home Equity loan for your second home or rental property please contact any EMB location near you.

Rate   APR*   LTV   TERM  
6.75%  
6.8643%   up to 80%   up to 84 months  
7.24%  
7.3257%   up to80%   85-120 months  
7.75%  
7.8171%   up to 80%   121-180 months  

*APR is Annual Percentage Rate. Rates and terms may vary based on credit history, banking relationship with Eastern Michigan Bank, down payment, income and collateral. For an example a loan for $25,000.00 at 7.24% and an APR of 7.3257% for 120 months will have payments of $293.42a month. For additional details contact an EMB location near you.

All rates are subject to change.

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Home Equity Line of Credit
Home Equity Line of Credit
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Home Equity Lines of Credit are available. For additional details and current rate information contact an EMB location near you.

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