Loan Rates

St. Johns Bank offers some of the most competitive loan rates around. These rates are posted as a convenience to you in planning your financial decisions. Rates are updated regularly but are subject to change without notice. When in doubt, contact the bank to confirm. You may also call TeleConnect at (314) 423-BANK (2265) or (800) 555-BANK for current rate information around the clock.

Current rates as of

New Vehicles (Automobiles, Motorcycles, Jet Skis, ATVs, and Runabout Boats)

Loan Type Max. Term  in Months

Interest Rate

Annual Percentage Rate

2015 (90% financing w/ 10% down payment) 12 3.10% 4.48%
2015 (90% financing w/ 10% down payment) 24 3.40% 4.12%
2015 (90% financing w/ 10% down payment) 36  3.75% 4.24%
2015 (90% financing w/ 10% down payment) 48  4.05% 4.42%
2015 (90% financing w/ 10% down payment) 60  4.35% 4.65%
2015 (90% financing w/ 10% down payment) 72  4.75% 5.01%

 Annual Percentage Rate based on a $10,000 loan. All loans eligible for 0.25% interest rate reduction with automatic debit from St. Johns Bank deposit account. If you borrowed $10,000 for 60 months at 4.35%, you monthly payment would be $187.13, with an APR of 4.65%.

Large Boats and RVs

Loan Type Max. Term in Months Interest Rate Annual Percentage Rate
2011-2015 (10% down payment) 5 year/15 year amortization 7.50% 7.70%
2005-2010 5 year/15 year amortization 8.50% 8.71%

Annual Percentage Rate based on $10,000 loan with 60 monthly payments, a $75 origination fee and an amortization of 15 years. All loans eligible for a 0.25% interest rate reduction with automatic debit from a St. Johns Bank deposit account. If you borrowed $10,000 for 60 months at 7.5%, your monthly payment would be $93.42 with an APR of 7.70% and a balloon payment at the end of 60 months.

Used Vehicles (Automobiles, Motorcycles, Jet Skis, ATVs, Boats, and RVs)

Loan Type Max. Term in Months

Interest Rate

Annual Percentage Rate

2010 and newer 60 4.80% 5.10%
2008 and newer 48 4.50% 4.88%
2006 and newer 36 4.20% 4.69%
2005 and newer 24 3.85% 4.57%
2004 and newer 12 3.55% 4.93%

 

Home Equity Line of Credit

Loan Type

Interest Rate

Annual Percentage Rate

Up to 80% loan-to-value Prime floating Prime floating

*Prime as published in the Wall Street Journal (3.25% as of 09/30/2014). Rates are variable and have a ceiling rate of 20%. Annual Percentage Rate may increase after consummation. A floor of 5.00% will be implemented, based on an 80% loan-to-value. Lower rates are available depending on a lesser loan-to-value. Call (314) 428-1079 ext. 3923. Consult your tax advisor regarding the deductibility of interest.

Home Equity Closed End Loan

Loan Type Max. Term in Months

Interest Rate

Annual Percentage Rate

Up to 80% loan-to-value

60

5.875%

6.181%

Annual Percentage Rate based on $10,000 loan. If you borrowed $10,000 for 60 months at 5.875%, your monthly payment would be $194.17 with an APR of 6.181%. There will be a $75 Origination Fee at the time of closing.

Home Improvement

Loan Type Max. Term in Months

Interest Rate

Annual Percentage Rate

$500 - $4,999 Unsecured 60 - 84 7.75% 8.214%
  36 - 48 7.50% 8.268%
  12 - 24 7.00% 8.468%

Annual Percentage Rate based on $4,999.99 loan. Receive a .25% interest rate reduction for automatic debit from a St. Johns Bank deposit account. If you borrowed $4,999.99, including a $75 loan origination fee, for 60 months at 7.75%, your monthly payment would be $102.28 with an APR of 8.374%. Payment example does not include amounts for taxes and insurance premiums, if applicable. Actual payment obligation will be greater.  

Secured by Savings

Loan Type Max. Term in Months

Interest Rate

Annual Percentage Rate

Amount less than or equal to balance of account ($500 or more)

Vary

5.00%

6.38% 

Annual Percentage Rate based on $10,000 loan.

Secured by Certificate of Deposit

Loan Type Max. Term in Months

Interest Rate

Annual Percentage Rate

Amount less than or equal to balance of CD

Vary

CD Rate + 3%

CD Rate + 3%

Annual Percentage Rate based on $10,000 loan. If CD renews before end of loan term, interest rate is adjusted according to CD's earning rate at each subsequent renewal.

Secured by Other Securities

Loan Type Max. Term in Months

Interest Rate

Annual Percentage Rate

Secured by Foreign CD or Stock 60 9.00% 9.316%

Annual Percentage Rate based on $10,000 loan with 60 monthly payments. If you borrowed $10,000 for 60 months, with a $75 loan origination fee, at 9.00%, your monthly payment would be $209.12 with an APR of 9.316%

Unsecured

Loan Type Max. Term in Months

Interest Rate

Annual Percentage Rate

Unsecured 24 15.00% 18.025%

Annual Percentage Rate based on $2,500 loan with 24 monthly payments. If you borrowed $2,500 for 24 months at 15.00%, with a $75 loan origination fee, your monthly payment would be $124.84 with an APR of 18.025%.  

 

Offer of credit is subject to credit approval.