Loan Rates | New Tripoli Bank

Mortgage Rates (up to 80% Loan to Value)

Effective Date: Tuesday, November 4, 2025

Mortgage Rates (up to 80% Loan to Value) (Rate Table)
Terms	Points	Annual Percentage Rate (APR)	Interest Rate	Monthly Payment Per $1,000 Borrowed
15 years*	0	5.795%	5.750%	$8.30
15 years*	1	5.700%	5.500%	$8.17
20 years*	0	6.036%	6.000%	$7.16
20 years*	1	5.910%	5.750%	$7.02
30 years*	0	6.277%	6.250%	$6.16
30 years*	1	6.121%	6.000%	$6.00

*APR is based on $100,000.00 loan amount

Maximum loan to value ratio is 80% (up to 95% allowed with PMI)

For credit secured by a first lien on a dwelling, payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.

Home Equity Loans

Effective Date: Tuesday, November 4, 2025

Home Equity Loans (Rate Table)
Maximum Term	Annual Percentage Rate (APR)	Interest Rate	Monthly Payment Per $1,000 Borrowed
60 months**	6.930%	5.920%	$19.30
120 months**	6.881%	6.340%	$11.27
180 months**	7.078%	6.690%	$8.82

**Up to 80% Loan to Value. APR is based on $10,000.00 loan amount.

Home Equity Lines of Credit (up to 80% loan to value)

Effective Date: Tuesday, November 4, 2025

Home Equity Lines of Credit (up to 80% loan to value) (Rate Table)
Maximum Term	Annual Percentage Rate (APR)†	6 Month Introductory Rate††
15 years	7.25%	6.50%	Minimum monthly payment is the greater of $100 or 1/180th of the outstanding balance plus finance charges. A balloon payment will result at maturity.

†APR is based on $10,000.00 loan amount.

†The above Annual Percentage Rate for our Home Equity Line of Credit is based on the Wall Street Journal Prime. The rate may change monthly after the initial 6 month introduction rate listed above. The maximum APR is 18% and the minimum APR is 4.00% after the 6 month introductory rate. Closing costs will range between $300.00 - $1,000.00. Property insurance will be required.

†† You are not eligible for the introductory rate offer if you currently have a New Tripoli Bank Home Equity Line of Credit that was part of a previous introductory rate promotion, unless you increase your Home Equity Line of Credit by $20,000 or more. An increase to your Home Equity Line is a new loan and all fees will apply.

Home Equity Line of Credit rates are given to borrowers with automatic payment withdrawal (discount of 0.25%) from their New Tripoli Bank checking or savings account as applicable. Removal of automatic payment withdrawal will increase the rate by 0.25%.

Personal Loans

Effective Date: Tuesday, November 4, 2025

Personal Loans (Rate Table)
	Maximum Term	Annual Percentage Rate (APR)	Interest Rate	Monthly Payment Per $1,000 Borrowed
Unsecured Loans	36 months	13.62%	13.62%	$33.99
Deposit Secured Loans	60 months	※	※	※

※2% over New Tripoli Bank Savings or Certificate of Deposit Rate. Monthly payment amount varies.

Unsecured personal loan rates are given to borrowers with automatic payment withdrawal (discount of 0.25%) from their New Tripoli Bank checking or savings account as applicable. Removal of automatic payment withdrawal will increase the rate by 0.25%.

Auto Loan Rates

Effective Date: Tuesday, November 4, 2025

Auto Loan Rates (Rate Table)
	Maximum Term	Annual Percentage Rate (APR)	Interest Rate	Monthly Payment Per $1,000 Borrowed
Auto Loans - New‡	48 months	7.94%	7.94%	$24.38
Auto Loans - New‡	60 months	8.19%	8.19%	$20.37
Auto Loans - New‡	72 months	8.44%	8.44%	$17.75
Auto Loans - Used (5 years or newer)‡‡	48 months	8.94%	8.94%	$24.86
Auto Loans - Used (6 years or older)‡‡	48 months	9.19%	9.19%	$24.98

‡ APR is based on a $10,000.00 loan amount.

‡‡ Please contact us for other available rates and terms.

Auto loan rates are given to borrowers with automatic payment withdrawal (discount of 0.25%) from their New Tripoli Bank checking or savings account as applicable. Removal of automatic payment withdrawal will increase the rate by 0.25%.