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Rates                                    

 

                                       Mortgage Rates                  

Fixed Term

Stated Rate

APR*

30 Year

5.125%

5.14%

30 Year Preferred**

4.875%

4.889%

15 Year

4.375%

4.40%

15 Year Preferred**

4.125%

4.15%

Selected Mortgage Rates as of  March 10th, 2010

* APR stands for Annual Percentage Rate. The APR for the rates above is based on a loan of $150,000. All loans subject to terms and approval. Rates subject to change without notice.

For a complete listing of available rates  and terms for mortgages  of other length and duration just give us a call at 698-WSBT. **For information on property within our Preferred Rate program click the Preferred Rate logo.

Preferred Rate Mortgages copyright © 2008 by Williamsville State Bank and Trust

 

WSBT offers Complete Lending Services... Read More!


Williamsville State Bank and Trust offers a complete line of loan products. Our loan packages can help make dreams come true and help solve financial problems. Whether it's building or buying your dream home, planning a vacation, or looking for a new car, our loan team can personalize the loan to meet your needs. Check out our loan services!

  • Mortgage Loans

    • Fannie Mae Fixed Rates from 10 to 40 years

    • Federal Housing Administration or "FHA" Loans

    • In House 5 year and 3 year balloons

    • 1, 3, or 5 year Adjustable Rate (Arm) Mortgages

    • Interim and Bridge Loans

    • 2nd Mortgages

    • Lot Loans

    • Mortgages for the first time home buyer

  • Construction Loans

  • Home Equity Loans

  • Auto Loans

    • Including boats, motorcycles, campers, trailers!

  • Personal Loans

WSBT also offers loan options and rates for...

  • Commercial Real Estate Loans

  • Commercial Operating Loans

  • Agricultural Loans

  • Personal Loans (secured and unsecured)

  • Non for Profit, Educational, Civic and Religious Organizations Loans or Financing

Detailed loan information can be obtained from any one of our loan officers or just call 698-WSBT.

 

    


Try our financial calculators!

We also want to let you know that the rates listed on our web site are subject to change without additional notice. We keep our web pages as current as possible, but occasionally changes we direct to the web may be delayed in posting or your computer may have stored an image from a previous visit to our site and may not register our change. Our loan officers will be happy to confirm the most current loan rates by phone...just call 698-WSBT.

Loan Rates do not include expenses associated with loans. Expenses associated with loans include, but are not limited to, expenses of the loan such as title, appraisal, recording and other fees or expenses incurred by the bank. All loans are subject to approval and terms of loan.
   
   

 

Construction Rate Special!!

4.50% stated rate

5.181% APR*

Rate good for borrower's personal residence.

Rate good as of 3/10/2010.

All loans subject to approval and terms of WSB&T construction agreement. Up to six draws.

*For this construction loan, references to APR mean Annual Percentage Rate based on a $250,000 loan for a 12 month term. Call 698-9728 to apply!

______________________________________________________________________________________

AND FOR PERMANENT FINANCING TRY OUR

SUPERSIZE RESIDENTIAL MORTGAGE BONUS PACKAGE

We know there is more to a mortgage than simply closing a loan. Qualified residential mortgage loan customers at Williamsville State Bank and Trust receive an entire package of financial services tailored for your special needs!

  • No Minimum Balance, No Service Charge Regular Checking account when mortgage payments are automatically deducted from your account*

  • Instant Cash – a personal line of credit tied to the checking account for overdraft protection.

  • Free ATM Card for 24 hour banking or a

  • Free Master Money Debit Card, the card that works like a check!

  • A pre-approved Home Equity Line of Credit to qualified borrowers with no application fee.

  • A pre-approved USA Fixed Auto Loan with Tax Advantage to qualified borrowers.

  • A Williamsville State Bank and Trust pre-approved MasterCard.

  • A free first year rental on a small Safe Deposit Box (subject to box availability).

*($25 minimum deposit to open your account; offer good only on personal regular checking; offer subject to bank rules and regulations; with free checking you pay for check orders and overdraft fees).

What are you waiting for?  SUPERSIZE your mortgage package today…
 __________________________________________________________________________________

  Auto Rates

Call today for more information!!

Auto Year (New) Loan Term APR
2009 or New 48 Months 5.668%
2009 or New 60 Months 5.637%
2009 or New 72 Months* 6.117%
Auto Year (Used) Loan Term APR
2008 60 Months 6.038%
2008 48 Months 5.919%
2007 up to 48 Months 7.420%
2006  up to 48 Months 8.421%

 

  • APR's for car loans based on loan amount of $30,000 and $100 loan closing fee

  • All loans subject to terms and approval

  • Rates subject to change without notice.  Auto Rates good as of 3/10/2010.

  • 72 month financing available on current year models and a loan amount of $30,000.

 

 
 
   
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Springfield
  (217) 698-9728 New Branch at 3341 Old Jacksonville Road  (217) 698-6355 at 1748 Wabash		 Sherman
(217) 496-2383		 Williamsville
(217) 566-3387
   
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