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

2013 (90% financing w/ 10% down payment) 12 3.10% 4.48%
2013 (90% financing w/ 10% down payment) 24 3.40% 4.12%
2013 (90% financing w/ 10% down payment) 36  3.75% 4.24%
2013 (90% financing w/ 10% down payment) 48  4.05% 4.42%
2013 (90% financing w/ 10% down payment) 60  4.35% 4.65%
2013 (90% financing w/ 10% down payment) 72  4.75% 5.01%

Annual Percentage Rate based on a $10,000 loan. All loans eligible for .25% interest rate reduction with automatic debit from a St. Johns Bank deposit account. If you borrowed $10,000 for 60 months at 4.35%, your monthly payment would be $187.12 with an APR of 4.65%.

Large Boats and RVs

Loan Type Max. Term in Months

Interest Rate

Annual Percentage Rate

New 2013 12 mos. 3.10% 4.48%
New 2013 24 mos. 3.40% 4.12%
New 2013 36 mos. 3.75% 4.24%
New 2013 48 mos. 4.05% 4.42%
New 2013 60 mos. 4.35% 4.65%
New 2013 72 mos. 4.75% 5.01%

Annual Percentage Rate based on $10,000 loan with 60 monthly payments. 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 4.35%, your monthly payment would be $187.12 with an APR of 4.65%. 

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

Loan Type Max. Term in Months

Interest Rate

Annual Percentage Rate

2009 and newer 60 4.80% 5.10%
2007 and newer 48 4.50% 4.88%
2005 and newer 36 4.20% 4.69%
2004 and newer 24 3.85% 4.57%
2003 and newer 12 3.55% 4.93%

Annual Percentage Rate based on a $10,000 loan. Receive a .25% interest rate reduction for automatic debit from a St. Johns Bank deposit account. If you borrowed $10,000 for 60 months at 4.80%, your monthly payment would be $189.19 with an APR of 5.10%. 

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 12/17/08). 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%

6.232%

Annual Percentage Rate based on $10,000 loan. If you borrowed $10,000 for 60 months at 5.875%, your monthly payment would be $194.41 with an APR of 6.232%. 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% 8.10%
  36 - 48 7.50% 8.07%
  12 - 24 7.00% 8.57%

Annual Percentage Rate based on $10,000 loan. Receive a .25% interest rate reduction for automatic debit from a St. Johns Bank deposit account. If you borrowed $10,000 for 60 months at 7.75%, your monthly payment would be $201.57 with an APR of 8.07%. 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% 9.31%

Annual Percentage Rate based on $10,000 loan with 60 monthly payments. If you borrowed $10,000 for 60 months at 9.00%, your monthly payment would be $207.58 with an APR of 9.22%

Unsecured

Loan Type Max. Term in Months

Interest Rate

Annual Percentage Rate

Unsecured 24 15.00% 17.80%

Annual Percentage Rate based on $2,500 loan with 24 monthly payments. If you borrowed $2,500 for 24 months at 15.00%, your monthly payment would be $121.22 with an APR of 16.86%.  

 

Offer of credit is subject to credit approval.