Rates Posted as of 5/16/2008 Consumer Loan Rates

  TYPE OF CREDIT   RATE APR (**)   TERM PAY. PER
THOUSAND
           
  NEW CAR LOAN (per $1,000.00)          
    6.75% 6.7484% 12 $86.41
  6.75% 6.7498% 24 $44.66
  6.75% 6.7497% 36 $30.76
  7.24% 7.2398% 48 $24.06
  7.24% 7.2399% 60 $19.91
 
  USED CAR LOAN (per $1,000.00) (Maximum 5 model years old)      
    8.00% 7.9982% 12 $86.99
    8.00% 7.9992% 24 $45.23
  8.00% 7.9999% 36 $31.34
  8.00% 7.9998% 48 $24.41
 
  UNSECURED LOAN (per $1,000.00)          
    11.75% 11.7494% 12 $88.73
  11.75% 11.7497% 24 $46.96
  11.75% 11.7497% 36 $33.10
  11.75% 11.7498% 48 $26.21
  11.75% 11.7497% 60 $22.12
 
  CONSUMER CHECKING LINE-OF-CREDIT (per $1,000.00) 12.00% (*) 11.7389% 12 $25.00
           
  SECURED BY OUR OWN CD OR SAVINGS   2.00%      
  above our Savings or CD rate, subject to change if our Savings or CD rate changes.above our Savings or CD rate, subject to change if our Savings or CD rate changes.      
(*) = Rate is subject to change with any fluctuation in the prime rate of interest published in the Wall Street Journal.
(**) = Annual Percentage Rate.

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LOAN CALCULATORS
These results are approximate and are intended for your information only; they are NOT an endorsement or offering. 
The accuracy of the results is not guaranteed by this bank and is only meant to be an approximate guideline.


Residential & Commercial Mortgages

Services that’s Fast, Smart, Easy & Friendly
Whether you are looking for money for a new home or office, need to borrow against the one you own now, or want cash for other reasons, one thing you can be certain of at Empire State Bank, is that you’ll always receive great service.  We have loan representatives available to come to you 24 hours a day, 7 days a week. 

Just call 1-877-413-6557 for an appointment or current rates. 
Click Here to Contact a Loan Representative.

Our loan representatives are seasoned professionals, who understand just how important it is to get you a loan that’s designed to fit your needs.  We make your loan process as efficient and simple as possible with one major key advantage…loan decisions are made locally. 

Residential Mortgage

  • Fixed and Adjustable Rate Mortgages
    1-4 family, Co-Ops and Condos
  • Home Equity Loans & Lines of Credit
  • Construction Financing
  • Low and no down payment options
  • Less than perfect credit loan programs
  • Alternative Financing – No Income / No Asset / No Doc Loans
  • Free Rate Locks available
  • Local closings
  • Free pre-qualifications
  • Call 1-877-413-6557 for current rates

Commercial Mortgage

  • Owner Occupied
  • Mixed Use
  • Multi-family (5 family and above)
  • Industrial
  • Commercial Construction
  • Fixed and Adjustable Rates
  • Call 1-877-413-6557 for current rates





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