Cal National Bank

Product Rates

• Personal Deposit Rates
• Business Deposit Rates
• Loan Rates
• Mortgage Rates

• Personal
• Business
• Commercial Real Estate
• Investing

Rates Table

Loan Rates

Cal National Bank offers competitive loan rates with fast, professional service and a selection of loans to meet your financial needs.

Annual Percentage Rates (APRs) effective 11/3/09

The Current Prime Rate is 3.25%

Home Equity Line of Credit

A variable APR¹ as low as 6.00%

• No application fee, no appraisal fee.
• Borrow up to 70% of your home's value minus any existing liens.
• 10 year term with interest only payments. A balloon payment will result.
• All principal and interest is due at maturity.
• Minimum loan amount $5,000

Home Equity Loan

• No application fee, no annual fee, no appraisal fee and no lender closing costs
• Minimum loan amount $5,000
• 60 month term
• Up to 70% LTV

Home Equity Loan examples: The estimated monthly payment on a $10,000 loan would be $202.69 (based on a 60 month term at 7.99% APR).  The loan program applies to owner occupied 1-4 family residential or condominium properties and must be secured by first or second mortgage. The stated payments do not include amounts for real estate taxes and insurance premiums, if applicable.

Certificate of Deposit Secured Loans

Cal National Bank Certificates of Deposit only. The interest rate and APR are the deposit account rate plus 2.00%, the current Wall Street Journal Prime Rate, or 6.00%, whichever is higher. Maximum advance is 100% of the principal balance of the certificate. Minimum loan amount is $1,500.

Cashline / Overdraft Protection Line of Credit

• $12 annual fee
• Cal National Bank Checking account required

All APRs and program terms and conditions are subject to change without notice.

^{1Annual Percentage Rate (APR) is a variable rate based on the Prime Rate published in the Wall Street Journal and subject to a minimum APR as noted below. As of 11/9/09, Prime Rate is 3.25%. Bank rates range from Prime plus 1.24% to Prime plus 1.74%.  APR. Corresponding variable APRs currently range from 4.49% to 4.99%. Cal National Bank or U.S. Bank customers with an existing checking account at the time of application qualify for an additional rate reduction of .50%.  We will use the most recent Prime Rate available as of the last day of the month for any APR adjustment. However, under no circumstances will your APR exceed 18% or go below 3.99%. Your APR will be based on the specific characteristics of your credit transaction, including evaluation of credit history, combined loan to value and line amount. The minimum line amount is $5,000.  An early termination fee of $495 is assessed if the line is paid off and closed within 24 months of loan date. A $50 fee will be assessed annually beginning on the first anniversary of the account opening. Subject to credit approval and property valuation. Program terms and conditions are subject to change at any time without notice. Property insurance is required and flood insurance may be required. The loan program applies to owner occupied 1-4 family residential or condominium properties and must be secured by first or second mortgage.}

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