ENJOY A HOME EQUITY LINE OF CREDIT THAT’S JUST
HOW YOU LIKE IT. LOW
| Intro Rate - 1.00% APR* |
For 90 Days |
As Low As 3.00% APR*
(after intro period) |
Ask about our splendid auto and mortgage loan rates too.
*The introductory Annual Percentage Rate (APR) of 1% is available on a new Home Equity Line of Credit for 90 days. After 90 days, the APR will be Wall Street Journal Prime Rate plus or minus a margin and may change monthly (currently the APR is as low as 3.00%). The margin is based on the home’s loan-to-value (LTV) ratio, the loan amount and your credit score. The post introductory rate quoted is available as of 4/29/12, is based on current WSJ Prime of 3.25% on loans exceeding $75,000 with LTV of 80% or less, a credit score of 720+, and includes a discount for optional automatic payment from a WesBanco checking account. Maximum APR: 18% in West Virginia and Pennsylvania; 25% APR in Ohio. Other fees that may apply – Origination fee of $140; Annual participation fee of $50.00; Late Fee & Over the Limit Fee: Maximum amount provided for by governing state law. If within the previous 3 years WesBanco paid fees for an appraisal and title search related to a loan on your behalf, you are responsible for those charges related to the new application – between $275.00 and $675.00. You may request more specific information regarding third party fees. Prepayment of all or a portion of principal may be made at any time; however, if you prepay the loan within two (2) years of the date of the Agreement, the Bank shall charge a prepayment penalty equal to the lesser of 1% of the original principal amount of the loan or $500.00. Prepayment penalty waived if refinancing with WesBanco and not applicable in Pennsylvania. Property insurance is required on the property securing a WesBanco Home Equity Product. Minimum amount financed - $5,000. Offer is valid through end of business 7/31/12. Subject to credit approval.
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