Promotions
The 4.00% APY* e-Solution
Personal
Make your money work harder with a 4.00% APY* free e-Checking account and 4.00% APY* e-Savings account from the Bank of Greene County.
*Annual Percentage Yield (APY) is effective as of 11/1/18. Balances of $1 to $1,000 earn 4.00%. Any balance over $1,000 earns .15%. Fees may reduce earnings. There is no monthly fee for an e-Savings account with an average minimum balance of $400.
Business
Make your business income work harder with a 4.00% APY* free e-Business Checking account and 4.00% APY* e-Business Savings account from the Bank of Greene County.
*Annual Percentage Yield (APY) is effective as of 11/1/18. Balances of $1 to $1,000 earn 4.00%. Any balance over $1,000 earns .15%. Fees may reduce earnings. There is no monthly fee for an e-Savings account if you maintain a minimum balance of $400.
Business Triple Crown
The Bank of Greene County cares about our local business customers! Let us help your business with our Business Triple Crown – Free e-Business Checking, e-Business Savings, and Lending for all your business needs!
CD Specials
5-Star CD – a guaranteed interest rate on a 5-year CD! 2.25% APY*! You can receive your interest check monthly, transfer to another account, or accrue interest. And you can also receive a bonus up to $500!+
*Annual Percentage Yield effective 11/14/18. Minimum deposit of $1,000 required.
+Bonus offer: A deposit of $100,000 or more will receive $500. $50,000-$99,999 will receive $250.
Learn more about our 5-Star CD Special
Triple Protection CD – the 3-year CD from the Bank of Greene County that protects YOU! 2.00% APY*! You can make a one-time additional deposit, adjust your rate once, and withdraw your money without penalty for a medical emergency!
*Annual Percentage Yield effective 11/14/18. Minimum deposit of $1,000 required.
Learn more about our Triple Protection CD Special
Fast-Finish Mortgage
Pay off your home in 10 years or less & save! Refinance now with our Fast-Finish Mortgage and lock in a special, low fixed rate: 4.34% Rate / 4.58% APR*. And get your choice of an Apple® iPad or Apple® Watch totally FREE at closing – our house “re-warming” gift to you!
*APR = Annual Percentage Rate. Promotional rate and offer are effective 10/1/18. Promotional rate on your loan is offered on the condition that you maintain a checking account so that the payment is deducted. Auto debit is required for promotional rate.
Ulster County & Woodstock Specials
Woodstock Grand Opening Specials
$225 Bonus in GreeneReward Points when you open a new personal checking account, sign up for direct deposit, and use your Debit Card twice. Learn more.
Low Interest Business Loans! Learn more.
Plus these other specials:
- Use the Woodstock ATM and you may get a $50 instead of a $20!
- For every new account opened, we will donate $10 to a charity of your choice!
- Free drawing for a 50-inch TV!
- Free safe deposit box for first year with a new checking account!
Ulster Risk Free IRA – Do you live or work in Ulster County? We have a special Risk Free IRA product that might be right for you! Benefit today while you save for tomorrow….1.25% APY*. No account fees, no minimums, no risk – FDIC insured.
*Annual Percentage Yield (APY) is effective as of 11/1/18 and is subject to change without notice. Must live, work, or worship in Ulster, Dutchess, or Orange Counties in New York State. The account must be opened and maintained at one of our Ulster County branches.
Learn more about our Ulster County Risk Free IRA
Ulster County Commercial Fast Finish – Refinance now with our Commercial Fast-Finish Mortgage and lock in a special, low fixed rate: 4.99% APR***. And get your choice of an Apple® iPad or Apple® Watch totally FREE at closing!
***APR = Annual Percentage Rate. Promotional rate and offer are effective 11/1/18.
Personal Rates
Checking
| Minimum Balance (to obtain APY) | Rate | APY |
|---|---|---|
| FREE e-CHECKING ACCOUNT | ||
| $1 - $1,000 | 3.93% | 4.00% |
| $1,001 - higher | 0.15% | 0.15% |
| NIFTY-FIFTY CHECKING ACCOUNT | ||
| Nifty Fifty Club | 0.10% | 0.10% |
| PREMIERE CHECKING ACCOUNT | ||
| $1 - $9,999 | 0.01% | 0.01% |
| $10,000 - $24,999 | 0.05% | 0.05% |
| $25,000 - $49,999 | 0.30% | 0.30% |
| $50,000 - higher | 0.35% | 0.35% |
Any fees charged could reduce earnings.
RATE = Interest Rate APY = Annual Percentage Yield
All rates subject to change without notice.
Savings & Certificates of Deposit (CD)
Savings Accounts
| Minimum Balance (to obtain APY) | Rate | APY |
|---|---|---|
| e-SAVINGS | ||
| $1 - $1,000 | 3.92% | 4.00% |
| $1,001 - higher | 0.15% | 0.15% |
| RISK FREE IRA SAVINGS | ||
| $1 - $24,999 | 0.50% | 0.50% |
| $25,000 - $49,999 | 0.50% | 0.50% |
| $50,000 - $99,999 | 0.50% | 0.50% |
| $100,000 - $499,999 | 0.50% | 0.50% |
| $500,000 - higher | 0.50% | 0.50% |
| STATEMENT & PASSBOOK SAVINGS | ||
| Statement Savings | 0.20% | 0.20% |
| Passbook Savings | 0.20% | 0.20% |
| MORE YIELD SAVINGS | ||
| $1 - $24,999 | 0.10% | 0.10% |
| $25,000 - $49,999 | 0.30% | 0.30% |
| $50,000 - $99,999 | 0.30% | 0.30% |
| $100,000 - $499,999 | 0.30% | 0.30% |
| $500,000 - higher | 0.30% | 0.30% |
| HOLIDAY CLUB ACCOUNT | ||
| e-Holiday Savings Club | 0.40% | 0.40% |
| Passbook Savings Club | 0.25% | 0.25% |
| Statement Savings Club | 0.25% | 0.25% |
Any fees charged could reduce earnings.
RATE = Interest Rate APY = Annual Percentage Yield
All rates subject to change without notice.
Money Market Accounts
| Minimum Balance (to obtain APY) | Rate | APY |
|---|---|---|
| $1 - $24,999 | 0.10% | 0.10% |
| $25,000 - $49,999 | 0.35% | 0.35% |
| $50,000 - $99,999 | 0.35% | 0.35% |
| $100,000 - $499,999 | 0.35% | 0.35% |
| $500,000 - $999,999 | 0.35% | 0.35% |
| $1,000,000 - $1,999,999 | 0.50% | 0.50% |
| $2,000,000 - higher | 0.50% | 0.50% |
Any fees charged could reduce earnings.
RATE = Interest Rate APY = Annual Percentage Yield
All rates subject to change without notice.
Student Savings
| Minimum Balance (to obtain APY) | Rate | APY |
|---|---|---|
| STUDENT e-NEXT GENERATION SAVINGS | ||
| $1 - $100 | 3.92% | 4.00% |
| $101 - higher | 0.20% | 0.20% |
| STUDENT PASSBOOK | ||
| Student Passbook | 0.20% | 0.20% |
Any fees charged could reduce earnings.
RATE = Interest Rate APY = Annual Percentage Yield
All rates subject to change without notice.
Certificates of Deposit (CD)
| Term | Rate | APY |
|---|---|---|
| TRIPLE PROTECTION CD** | ||
| 3 Year | 1.95% | 2.00% |
| 5-STAR CD** | ||
| 5 Year | 2.19% | 2.25% |
| CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT** | ||
| 5 Month | 0.25% | 0.25% |
| 6 Month | 0.25% | 0.25% |
| 7 Month | 0.25% | 0.25% |
| 8 Month | 0.25% | 0.25% |
| 9 Month | 0.25% | 0.25% |
| 1 Year | 0.83% | 0.85% |
| 1 Year Relationship CD-with active checking account* | 1.08% | 1.10% |
| 15 Month | 0.98% | 1.00% |
| 15 Month Relationship CD-with active checking account* | 1.32% | 1.35% |
| 18 Month | 0.25% | 0.25% |
| 20 Month | 0.98% | 1.00% |
| 20 Month Relationship CD-with active checking account* | 1.47% | 1.50% |
| 2 Year | 0.49% | 0.50% |
| 2 1/2 Year | 0.54% | 0.55% |
| 3 Year | 0.59% | 0.60% |
| 4 Year | 0.74% | 0.75% |
*Relationship Certificates must be accompanied by an active checking account. An active account is one that completes 3 or more transactions per month.
**Certificates of Deposit: $1,000.00 minimum to open account. $1,000.00 minimum to earn APY.
IRA Certificates of Deposit: $500.00 minimum to open and $500.00 minimum to earn APY.
Certificates of Deposit may impose penalty for early withdrawal.
Any fees charged could reduce earnings.
RATE = Interest Rate APY = Annual Percentage Yield
All rates subject to change without notice.
Mortgages
**Mortgage Rates Available With Terms From 5 to 30 Years**
5/1 Adjustable Rate Mortgage Loans up to 30 Years: New & Existing 1 & 2 Family Owner-Occupied Homes
| Initial Rate | Points | Cap Per Adj | Lifetime Cap | Margin | APR | Monthly P & I Payment per $1,000 |
|---|---|---|---|---|---|---|
| *4.340% | 0.00% | 1.50% | 10.34% | 2.75% | 4.508% | $4.97 |
| 4.590% | 0.00% | 1.50% | 10.59% | 3.00% | 4.762% | $5.12 |
Payment per $1,000 based on initial rate and maximum term of 30 years. Floor is set at initial interest rate. APR may increase after loan consummation. See additional terms and conditions below.
Fixed Rate Mortgage Loans: New & Existing 1 & 2 Family Owner-Occupied Homes
| Rate | Points | APR | Monthly P & I Payment per $1,000 |
|---|---|---|---|
| 10 Year Term | |||
| *4.340% | 0.00% | 4.766% | $10.29 |
| 4.590% | 0.00% | 5.023% | $10.41 |
| 15 Year Term | |||
| *4.540% | 0.00% | 4.841% | $7.67 |
| 4.790% | 0.00% | 5.096% | $7.80 |
| 20 Year Term | |||
| *4.990% | 0.00% | 5.213% | $6.59 |
| 5.240% | 0.00% | 5.467% | $6.73 |
*Preferred interest rate is offered on the condition that you maintain a checking account with us from which we may deduct your monthly payments as they are due. Mortgage rates apply to requests of $453,100 or less. APR= Annual Percentage Rate. APR listed is based on a $100,000 Mortgage Loan.
Additional Information
Mortgage Application Checklist
RATE LOCK-IN: 90 days from date of application
Loan To Value Rate Adjustments
Loan to value ratio less than 60%, decrease rate by .125%
Loan to value ratio 80.01% to 90.00%, increase rate by .50% (If construction, maximum loan to value is 85%)
Loan to value ratio 90.01% to 95.0%, increase rate by .50% plus PMI insurance required.
Loan Amounts
For requests in excess of $453,100 maximum loan to value is 70%.
Condos
Loan to value ratios greater than 80% require PMI insurance
PROCESSING FEES
Credit Report fee – $20.00 – Individual / $33.00 Joint (due at time of application)
Application fee – $100.00
Appraisal fee – $350.00 due prior to appraisal order. (Additional charge for 2 family & up.)
Origination Fee – .75%
The mortgage note will be at the stated rate. At closing, an agreement may be entered into by both parties reducing the rate by .25%. This agreement will stay in effect as long as we are able to transfer automatic payments from your Bank of Greene County checking account as the payments are due. If there are insufficient or uncollected funds in excess of three times in a calendar year, the agreement becomes null and void, and the interest rate reverts back to the note rate.
The Bank of Greene County requires an escrow account on all mortgages for the payment of town, village and school taxes, as well as homeowners insurance (and flood insurance and PMI insurance, if applicable). Escrow may be waived; certain terms and conditions apply.
Since a mortgage is a legally binding contract between yourself and the Bank, we recommend that you engage the services of an attorney. The Bank’s attorney will represent the Bank’s interest only. Our attorney will charge for his/her services. Should you have any questions regarding the mortgage application, rates, fees, or requirements, please call our Lending Center at 518-943-1424.
The above rates and terms are subject to daily change without notice. Please call our lending center at (518) 943-1424 for current rates and terms.
Home Equity
Home Equity Loans – Fixed Rate
(subject to credit approval)
1st Lien Position — Subject property must be unencumbered OR first mortgage must be with The Bank of Greene County
| Rate | APR | Monthly P & I Payment per $1,000 |
|---|---|---|
| 5-year term | ||
| *4.75% | 4.845% | $18.76 |
| 4.75% | 4.845% | $18.76 |
| 7-year term | ||
| *5.00% | 5.078% | $14.13 |
| 5.00% | 5.078% | $14.13 |
| 10-year term | ||
| *5.375% | 5.435% | $10.79 |
| 5.375% | 5.435% | $10.79 |
* Preferred rate on your loan is offered on the condition that you maintain a checking account with us from which we may deduct your monthly payments as they come due. APR=Annual Percentage Rate, APR listed is based on a $25,000 Home Equity Loan.
Additional Information
- No closing costs, except mandatory New York State Mortgage Tax. Appraisal is required and title insurance may be required. Sufficient Property Insurance is required.
- Rates quoted are for 1 to 2 family homes, owner occupied only
- Maximum LTV of 80%
- Loan to value of 80.01% – 89.90% add 1.00% to interest rate
- Appraisal required -$175.00 – $250.00
- Second homes, maximum LTV is 80%.
- Home Equity Loans paid or refinanced within 2 years may require closing costs be reimbursed to the bank.
Home Equity Loans — Fixed Rate
(subject to credit approval)
2nd Lien Position – First mortgage must be with a lending institution
| Rate | APR | Monthly P & I Payment per $1,000 |
|---|---|---|
| 5-year term | ||
| *7.50% | 7.922% | $20.04 |
| 7.75% | 8.173% | $20.16 |
| 7-year term | ||
| *7.75% | 8.062% | $15.46 |
| 8.00% | 8.173% | $15.59 |
| 10-year term | ||
| *8.25% | 8.481% | $12.27 |
| 8.50% | 8.732% | $12.40 |
* Preferred rate on your loan is offered on the condition that you maintain a checking account or N.O.W. account with us from which we may deduct your monthly payments as they come due. APR=Annual Percentage Rate. APR listed is based on a $25,000 Home Equity Loan.
Additional Information
- No closing costs, except mandatory New York State Mortgage Tax. Appraisal and title insurance may also be required. Sufficient Property Insurance is required.
- Rates quoted are for 1 to 2 family homes, owner occupied only
- Maximum LTV of 70%
- Appraisal required -$175.00 – $250.00
- For second homes, add 1.50% to interest rate.
- Home Equity Loans paid or refinanced within 2 years may require closing costs be reimbursed to the bank.
GreenEquity Line of Credit: (1-2 family owner occupied)
- First Lien Position* – Prime Rate Minus 0.26% (variable) for life of loan with auto-debit from Bank of Greene County checking account. Program applies to loan amounts between $7,500-$150,000. Loan amounts $150,001 – $250,000 Prime Rate plus 1.00%. Rates are adjusted daily. Floor rate: Prime Rate at time of Application, Ceiling: 25.0%. Maximum loan amount set at 75% of appraised value less first mortgage (if applicable). Standard rate applies to accounts between $7,500-$150,000 without auto-debit payment. Introductory Rate: 3.49% for first six (6) months from the date of closing applies with auto-debit from a Bank of Greene County checking account. Standard rate is Prime Rate. Ten-year access period, interest only charged on outstanding balance during the access period. Line converts to a fifteen-year variable amortization after access period. No closing costs, except mandatory New York State Mortgage Tax. Appraisal is required and title insurance may be required. Appraisal fees vary: $175.00 – $350.00. Sufficient Property Insurance is required. Contact mortgage department for fees and closing costs. *To qualify for interest rate under this option, the Subject Property must be unencumbered OR the existing first mortgage must be with The Bank of Greene County.
- Second Lien Position* – Prime Rate Plus 0.75% (variable) for life of loan with auto-debit from Bank of Greene County checking account. Program applies to loan amounts between $7,500-$100,000. Rates are adjusted daily. Floor rate: Prime + 1.00%, based on Prime Rate at time of Application, Ceiling: 25.0%. Maximum loan amount set at 70% of appraised value less first mortgage. Standard rate applies to accounts between $7,500-$100,000 without auto-debit payment. Standard rate is Prime Rate + 1.00%. Ten-year access period, interest only charged on outstanding balance during the access period. Line converts to a fifteen-year variable amortization after access period. No closing costs, except mandatory New York State Mortgage Tax. Appraisal is required and title insurance may be required. Appraisal fees vary: $175.00 – $350.00. Sufficient Property Insurance is required. Contact mortgage department for fees and closing costs. *To qualify for interest rate under this option, the existing mortgage on the Subject Property must be with a lending institution.
Auto & Personal
Consumer Loans
| Terms | Rate | APR | Monthly P&I Payment per $1,000 |
|---|---|---|---|
| New Auto — 2018 | |||
| 36 Months | 4.49%* 4.99% |
4.49%* 4.99% |
$29.74 $29.97 |
| 48 Months | 4.49%* 4.99% |
4.49%* 4.99% |
$22.80 $23.02 |
| 60 Months | 4.49%* 4.99% |
4.49%* 4.99% |
$18.64 $18.87 |
| 66 Months | 4.99%* 5.49% |
4.99%* 5.49% |
$17.36 $17.59 |
| Demo's Leftovers** — Year 2017-2018 | |||
| 36 Months | 5.50%* 6.00% |
5.50%* 6.00% |
$30.20 $30.42 |
| 48 Months | 5.50%* 6.00% |
5.50%* 6.00% |
$23.26 $23.49 |
| 60 Months | 5.50%* 6.00% |
5.50%* 6.00% |
$19.10 $19.33 |
| Used Auto — 2017 and older: Maximum term 60 months | |||
| 2014 - 2017 | 6.50% 7.00% |
6.50% 7.00% |
$19.57 $19.80 |
| 2010 - 2013 | 6.75%* 7.25% |
6.75%* 7.25% |
$19.68 $19.92 |
| 2009 and older | 7.00%* 7.50% |
7.00%* 7.50% |
$19.80 $20.04 |
Subject to Credit Approval
* Preferred rate on your loan is offered on the condition that you maintain a checking account with us from which we may deduct your monthly payment as they come due.
APR=Annual Percentage Rate
**For vehicles with less than 20,000 Miles
Personal Loan Rates
| Term | Rate | APR | Monthly P&I Payment Per $1,000 |
|---|---|---|---|
| UNSECURED | |||
| 12-36 Months | 10.95%* 11.45% |
10.95% 11.45% |
$32.72 $32.95 |
| 37-48 Months | 11.95%* 12.45% |
11.95% 12.45% |
$26.31 $26.56 |
| 49-60 Months | 12.95%* 13.45% |
12.95% 13.45% |
$22.73 $22.98 |
| SECURED | |||
| 12-36 Months | 9.95%* 10.45% |
9.95% 10.45% |
$32.24 $32.48 |
| 37-48 Months | 10.95%* 11.45% |
10.95% 11.45% |
$25.82 $26.06 |
| 49-60 Months | 11.95%* 12.45% |
11.95% 12.45% |
$22.22 $22.47 |
Subject to Credit Approval
* Preferred rate on your loan is offered on the condition that you maintain a checking account with us from which we may deduct your monthly payment as they come due.
APR=Annual Percentage Rate
Business Rates
Checking
| Minimum Balance (to obtain APY) | Rate | APY |
|---|---|---|
| FREE e-BUSINESS CHECKING ACCOUNT | ||
| $1-$999 | 3.93% | 4.00% |
| $1,000-higher | 0.15% | 0.15% |
| PREMIERE CHECKING ACCOUNT | ||
| $1-$9,999 | 0.01% | 0.01% |
| $10,000-$24,999 | 0.05% | 0.05% |
| $25,000-$49,999 | 0.30% | 0.30% |
| $50,000-higher | 0.35% | 0.35% |
Any fees charged could reduce earnings.
RATE = Interest Rate APY = Annual Percentage Yield
All rates subject to change without notice.
Savings
Business Money Market Accounts
| Minimum Balance (to obtain APY) | Rate | APY |
|---|---|---|
| $1 - $24,999 | 0.15% | 0.15% |
| $25,000 - $49,999 | 0.35% | 0.35% |
| $50,000 - $99,999 | 0.40% | 0.40% |
| $100,000 - $499,999 | 0.40% | 0.40% |
| $500,000 - $999,999 | 0.40% | 0.40% |
| $1,000,000 - $1,999,999 | 0.60% | 0.60% |
| $2,000,000 - higher | 0.65% | 0.65% |
Any fees charged could reduce earnings.
RATE = Interest Rate APY = Annual Percentage Yield
All rates subject to change without notice.
Business Savings Accounts
| Minimum Balance (to obtain APY) | Rate | APY |
|---|---|---|
| e-BUSINESS SAVINGS | ||
| $1 - $1,000 | 3.92% | 4.00% |
| $1,001 - higher | 0.15% | 0.15% |
| MORE YIELD SAVINGS | ||
| $1 - $24,999 | 0.10% | 0.10% |
| $25,000 - $49,999 | 0.30% | 0.30% |
| $50,000 - $99,999 | 0.30% | 0.30% |
| $100,000 - $499,999 | 0.30% | 0.30% |
| $500,000 - higher | 0.30% | 0.30% |
| STATEMENT & PASSBOOK SAVINGS | ||
| Statement Savings | 0.20% | 0.20% |
| Passbook Savings | 0.20% | 0.20% |
Any fees charged could reduce earnings.
RATE = Interest Rate APY = Annual Percentage Yield
All rates subject to change without notice.
Certificates of Deposit (CD)
| Term | Rate | APY |
|---|---|---|
| TRIPLE PROTECTION CD** | ||
| 3 Year | 1.95% | 2.00% |
| 5-STAR CD** | ||
| 5 Year | 2.19% | 2.25% |
| CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT** | ||
| 5 Month | 0.25% | 0.25% |
| 6 Month | 0.25% | 0.25% |
| 7 Month | 0.25% | 0.25% |
| 8 Month | 0.25% | 0.25% |
| 9 Month | 0.25% | 0.25% |
| 1 Year | .83% | .85% |
| 1 Year Relationship CD-with active checking account* | 1.08% | 1.10% |
| 15 Month | 0.98% | 1.00% |
| 15 Month Relationship CD-with active checking account* | 1.32% | 1.35% |
| 18 Month | 0.25% | 0.25% |
| 20 Month | 0.98% | 1.00% |
| 20 Month Relationship CD-with active checking account* | 1.47% | 1.50% |
| 2 Year | 0.49% | 0.50% |
| 2 1/2 Year | 0.54% | 0.55% |
| 3 Year | 0.59% | 0.60% |
| 4 Year | 0.74% | 0.75% |
*Relationship Certificates must be accompanied by an active checking account. An active account is one that completes 3 or more transactions per month.
**Certificates of Deposit: $1,000.00 minimum to open account. $1,000.00 minimum to earn APY.
IRA Certificates of Deposit: $500.00 minimum to open and $500.00 minimum to earn APY.
Certificates of Deposit may impose penalty for early withdrawal.
Any fees charged could reduce earnings.
RATE = Interest Rate APY = Annual Percentage Yield
All rates subject to change without notice.
Ultra Access Line of Credit
We’re making it easy for you to establish and use a line of credit for your business. With the Bank of Greene County’s Ultra Access Line of Credit, use the equity in your commercial property to fund your business expansion, new equipment purchases…whatever your business needs. “Land Rich and Cash Flow Poor?” That old expression goes out the window when you establish your new Ultra Access Line of Credit with all these great features:
- Convenient “Access”
Access your money by debit card, check or
personal request. - Extended No-Hassle “Access”
Initial access period of 3 years – Bank may
extend access for two additional 3 year periods
with no requirement to paydown principal. - Low “Access” Fees
Automatically charged to the line, annually,
based on credit limit amount. - Easy Payment Schedule
Interest only paid monthly during access
period(s) followed by automatic conversion
to principal and interest payments,
amortized over 15 years. Payments are
conveniently auto-debited from required
deposit account.
- Revolving Credit Line
Favorable credit limits of $50,000 up to
$1 million for all size businesses. - Flexible Interest Rate Options
Variable at Prime minus .26% or Fixed for
3 years at Prime. Convert from one option
to the other at onset of each 3 year access
period.* - Reduced Closing Costs
Bank pays the first $3,000 of most closing
costs, appraisal and other report fees. - Maximum Access to Your Equity
First and second mortgages up to 65% of
appraised value on most commercial real
estate or 50% on vacant commercial land.
* Lifetime interest rate floor of 5.49%
The Bank of Greene County reserves the right to change rate structure on the product. All loan approvals are subject to credit underwriting, appraisal and other Bank requirements.
