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 and ATVs)

Loan Type Max. Term  in Months

Interest Rate

Annual Percentage Rate

2016 (90% financing w/ 10% down payment) 12 3.10% 4.94%
2016 (90% financing w/ 10% down payment) 24 3.40% 4.36%
2016 (90% financing w/ 10% down payment) 36  3.75% 4.40%
2016 (90% financing w/ 10% down payment) 48  4.05% 4.55%
2016 (90% financing w/ 10% down payment) 60  4.35% 4.75%
2016 (90% financing w/ 10% down payment) 72  4.75% 5.09%

 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%, your monthly payment would be $187.61, with an APR of 4.75%.

Large Boats and RVs

Loan Type Max. Term in Months Interest Rate Annual Percentage Rate
2012-2016 (10% down payment) 5 year/15 year amortization 7.50% 7.77%
2007-2011 5 year/15 year amortization 8.50% 8.77%

Annual Percentage Rate based on $10,000 loan with 60 monthly payments, a $100 origination fee and an amortization of 10 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 $93.64 with an APR of 7.77% and a balloon payment at the end of 60 months.

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

Max. Term in Months

Interest Rate

Annual Percentage Rate

60 4.80% 5.20%
48 4.50% 5.00%
36 4.20% 4.85%
24 3.85% 4.81%
12 3.55% 5.39%

We require 10% down payment or loan value, whichever is less.

Home Equity Line of Credit

Loan Type

Interest Rate

Annual Percentage Rate

Up to 75% loan-to-value Prime floating Prime floating
Loan-to-value 75% to 85% Prime + 1%, floating Prime + 1%, floating

*Prime as published in the Wall Street Journal (currently 3.50%). Rates are variable and have a ceiling rate of 20%. Annual Percentage Rate may increase after consummation. Minimum amount to be financed is $10,000, 10-year term with a 20-year amortization. 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 85% loan-to-value

60

5.875%

6.28%

Annual Percentage Rate based on $10,000 loan. If you borrowed $10,000 for 60 months at 5.875%, your monthly payment would be $194.64 with an APR of 6.181%. There will be a $100 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% 8.36%
  36 - 48 7.50% 8.52%
  12 - 24 7.00% 8.94%

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 $100 loan origination fee, for 60 months at 7.75%, your monthly payment would be $102.78 with an APR of 8.36%. 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%

8.86% 

Annual Percentage Rate based on $2,500 loan. All loans include a $100 origination fee.

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%

4.359%

Annual Percentage Rate based on $10,000 loan based on a 24-month CD with a CD rate of 0.40%. All loans include a $100 origination fee. If CD renews before end of loan term, interest rate is adjusted according to CDs' 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% 9.41%

Annual Percentage Rate based on $10,000 loan with 60 monthly payments. If you borrowed $10,000 for 60 months, with a $100 loan origination fee, at 9.00%, your monthly payment would be $209.60 with an APR of 9.41%

Unsecured

Loan Type Max. Term in Months

Interest Rate

Annual Percentage Rate

Unsecured 24 15.00% 18.99%

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 $100 loan origination fee, your monthly payment would be $126.01 with an APR of 18.99%.  

 

Offer of credit is subject to credit approval.