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Loan Rates

St. Johns Bank offers some of the most competitive loan rates around.

These rates are posted as a convenience for 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.

Offer of credit is subject to credit approval.

Current rates as of June 4, 2021

Annual Percentage Rate based on a $10,000 loan with a $100 origination fee. If you borrowed $10,000 for 60 months at 3.85%, your monthly payment would be $186.54, with an APR of 4.24%. APR and payment calculated on no payment for first 90 days of loan.

Loan Type Max. Terms in Months Interest Rates APR
2021 (90% financing w/ 10% down payment) 12 3.25% 4.68%
2021 (90% financing w/ 10% down payment) 24 3.25% 4.09%
2021 (90% financing w/ 10% down payment) 36 3.25% 3.85%
2021 (90% financing w/ 10% down payment) 48 3.55% 4.02%
2021 (90% financing w/ 10% down payment) 60 3.85% 4.24%
2021 (90% financing w/ 10% down payment) 72 4.25% 4.58%

Annual Percentage Rate based on $10,000 loan with 60 monthly payments, a $100 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 $93.66 with an APR of 7.77% and a balloon payment at the end of 60 months.

Loan Type Max. Terms in Months Interest Rate APR
2018-2021 (10% down payment) 5 year/15 year amortization 7.50% 7.77%
2013-2017 5 year/15 year amortization 8.50% 8.77%

We require 10% down payment of the vehicle purchase price or of the vehicle's NADA value, whichever is less. Annual Percentage Rate based on a $10,000 loan with $100 origination fee. If you borrowed $10,000 for 60 months at 4.30%, your monthly payment would be $188.75, with an APR of 4.69%. APR and payment calculated on no payment for first 90 days of loan.

Max Term in Months Interest Rate Annual Percentage Rate
12 3.70% 5.13%
24 3.70% 4.54%
36 3.70% 4.30%
48 4.00% 4.47%
60 4.30% 4.69%

*Prime as published in the Wall Street Journal (currently 3.25%). 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.

Loan Type Max. Terms in Months Interest Rate APR
Up to 75% loan-to-value Prime minus 1.00% floating for first 12 months of loan Remaining 9 years is Prime minus 0.50% floating Prime minus 1.00% floating for first 12 months
Loan-to-value 75% to 85% Prime minus 0.50% floating for first 12 months of loan Remaining 9 years is Prime floating Prime minus 0.50% floating for first 12 months

Annual Percentage Rate based on $10,000 loan. If you borrowed $10,000 for 60 months at 5.00%, your monthly payment would be $190.61 with an APR of 6.495%, which includes the 1.00% Origination Fee at closing.

Loan Type Max. Terms in Months Interest Rate APR
Up to 85% loan-to-value 60 5.00% plus 1.00% Origination Fee 6.495%

Annual Percentage Rate based on $4,999.99 loan. Receive a 0.25% 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 84 months at 7.75%, your monthly payment would be $78.85 with an APR of 8.37%. Payment example does not include amounts for taxes and insurance premiums, if applicable. Actual payment obligation will be greater.

Loan Type Max. Terms in Months interest Rate APR
$500 - $4,999 Unsecured 60 - 84 7.75% 8.37%
36 - 48 7.50% 8.52%

12 - 24 7.00% 8.96% 

Annual Percentage Rate based on $2,500 loan. All loans include a $100 origination fee. For example, if you borrowed $2,500 for a term of 24 months, the payment would be $114.08 per month.

Loan Type Max. Terms in Months Interest Rate APY
Amount less than or equal to balance of account ($500 or more) Vary 5.00% 8.86%

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. For example, if you borrowed $10,000 for 24 months, the monthly payment would be $435.93 per month.

Loan Type Max. Terms in Months Interest Rate APR
Amount less than or equal to balance of CD
Vary CD Rate + 3% 4.359%
Annual Percentage Rate based on $10,000 loan with 60 monthly payments. If you borrowed $1,000 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%.
Loan Type Max. Terms in Months Interest Rate APR
Secured by Foreign CD or Stock 60 9.00% 9.41%

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 $126.06 with an APR of 19.03%.

Loan Type Max. Terms in Months Interest Rate APR
Unsecured 24 15.00% 19.03%