Have You Heard About Our Spring Loan Specials?

Is your to-do list warming up with the weather?

Use this home equity account special for your purchases or projects!

Don’t forget a home equity line of credit can help you accomplish almost anything – home improvements, college or wedding costs, a recreational vehicle, and a lot more. Our home equity account may be the smart way to afford what’s next on your list. Open a new HELOC before August 31 and enjoy a 2.99% APR* for six months. Already have a HELOC? If you increase your line by $5,000, you can take advantage of the special rate for six months, too.

• 4 fast, easy ways to access cash: credit card, check, cash advance, online transfer
• Control how you make payments: in person, online, over the phone
• Potential tax advantages**

No matter how you live your life or budget your money, a HELOC can fit within it. Here’s a quick two-minute read with more detail on a HELOC and how it works.

*Annual Percentage Rate (APR) will be fixed at 2.99% for a period of 180 days on all new home equity line of credit accounts and existing accounts with a credit limit increase of $5,000 or more. The initial discounted APR will remain in effect for 180 days from the date of the agreement, after which time the APR is based on WSJ Prime and any applicable margin. The margin, if any, is based on your home’s loan-to-value ratio and may range from 0 to 1.50%. After the initial discounted APR period, the rate is variable and subject to change daily. As of April 18, 2018, APR is 4.75%. The maximum APR will not exceed 25%. A $50 annual fee is waived for the first year, but applies annually in subsequent years. The full term of the loan is 120 months. There is an early termination fee for accounts open less than 36 months, the amount of which varies depending on the amount of the account and can be up to $500. To qualify, a loan application must be submitted on or before August 31, 2018. Terms and conditions of this offer are subject to change without notice. Additional information and disclosures available upon request or at the time of application. Subject to credit approval.

**Interest paid on the portion of the loan that is greater than the fair market value of the dwelling secured by the loan, if any, is not tax deductible for federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.

Looking for the perfect place to call home?

It’s a great time to buy a home! Check out our home loan specials…

• Reduced rates on 3- and 5-year adjustable rate loans
• 10-year fixed loan with a reduced rate and no loan fee
• 10-year fixed loan with no loan fee and no closing costs

We have a wide variety of loan options and our rates are competitive. Talk to your banker for details and together we’ll find the loan that best fits your goals and finances. 

The payment term for the 3- and 5-year adjustable rate loans may vary depending on the loan term selected by the customer and accepted by the bank. The monthly payment on 3- and 5-year adjustable rate loans may increase based upon a change in the applicable interest rate after the initial 3- or 5-year period. Payment of the 10-year fixed loan is made in nearly equal monthly payments for 120 months. Payments for each of the loans described above do not include any expenses such as private mortgage insurance, flood/property insurance, or taxes, which, if applicable, may increase the amount payable on your loan. Additional information and disclosures available upon request or at the time of application. Subject to credit approval.

A new way to make payments and transfers.

Do you want to move money from an account at another bank to your Security National Bank account? Need to make a loan payment but haven’t opened a deposit account with us yet? Our new transfer feature in online banking makes it easy for you.

There’s no charge for standard 3-day transfers. If you’re in a pinch and need to quickly make a payment or transfer, you can use express transfer twice a month with no charge; additional express transfers are $2.95. 

If you use online banking, log in to your account, go to the transfer screen and click “launch external transfer” then follow the prompts on your screen. It’s that simple. If you don’t have online banking, chat with us online at SecurityNationalBank.com, visit a banking office, or call 800.836.1557 and we’ll get you set up.