Community Bank of Elmhurst

Community Bank of Elmhurst Interest Rates

Community Bank of Elmhurst is one of the few independently-owned, community oriented banks in DuPage County. Our Board of Directors and Staff are committed to the community we serve. We are all from the area and have a combined total of over 275 years of Elmhurst banking experience. We believe in putting the people back into banking.

We offer a wide variety of personal and commercial checking and savings products as well as a complete line of lending products. Our technology is state of the art and our customer service is old-fashioned. We feel that this combination is what makes our bank great.

Personal Loan Rates
Annual Percentage Rate is accurate as of May 5, 2008


Loan Type	Year/Model	Maximum Maturity	Annual Percentage Rate

New Automobiles
	2008-2007	36 Months	5.00%
		48 Months	5.25%
		60 Months	5.50%

Used Automobiles
	2007-2006	36 Months	5.50%
		48 Months	5.75%
		60 Months	6.00%

	2005	36 Months	6.00%
		48 Months	6.25%
		60 Months	6.50%

	2004	36 Months	6.50%
		48 Months	6.75%

	2003	36 Months	6.75%
		48 Months	7.00%

	2002 & Older	36 Months	8.00%

Recreational Vehicles
New Motor Home (purchase price > $15,000)	2008-2007	120 Months	9.00%
New Motor Home (purchase price < $15,000)	2008-2007	96 Months	9.00%

Used Motor Home (purchase price > $15,000)	2007-2006	96 Months	9.50%
Used Motor Home (purchase price < $15,000)	2007-2006	84 Months	9.50%
Used Motor Home	2005 & Older	84 Months	10.50%

New Boat	2008-2007	84 Months	9.00%

Used Boat	2007-2006	72 Months	9.25%
	2005-2004	60 Months	9.50%
	2003 & Older	48 Months	10.00%

New Motorcycle	2008-2007	60 Months	9.50%

Used Motorcycle	2007-2006	48 Months	10.00%
	2005-2004	42 Months	10.25%
	2003 & Older	36 Months	10.50%

Unsecured Personal Loan
		36 Months	12.00%
		36 Months	P +3.00%

With automatic deduction of the monthly payment from a Checking, NOW or Savings account at Community Bank of Elmhurst, deduct .25% from the above Annual Percentage Rates.

P = the Wall Street Journal Prime Rate. The base rate on corporate loans posted by at least 75% of the nation's 30 largest banks. As of 5/5/08, the Wall Street Journal Prime Rate was 5.00%. Therefore, P+1% means 1% in excess of the Wall Street Journal Prime Rate, or 6.00% Annual Percentage Rate.

Home Equity Loans (single-family residences)
Annual Percentage Rate is accurate as of May 5, 2008


Loan Type	Loan-To-Value	Loan Amount	Maximum Maturity	Closing Costs	Annual Percentage Rate

Home Equity Installment Loans (minimum loan amount $5,000)
Owner Occupied	80% or less	$5,000+	36 Months	None	6.00%
Owner Occupied	80.1% to 90%	$5,000+	36 Months	None	7.00%
Non-Owner Occupied	80% or less	$5,000+	36 Months	None	7.00%

Owner Occupied	80% or less	$5,000+	60 Months	None	6.25%
Owner Occupied	80.1% to 90%	$5,000+	60 Months	None	7.25%
Non-Owner Occupied	80% or less	$5,000+	60 Months	None	7.25%

Owner Occupied	80% or less	$5,000+	120 Months	None	6.50%
Owner Occupied	80.1% or less	$5,000+	120 Months	None	7.50%
Non-Owner Occupied	80% or less	$5,000+	120 Months	None	7.50%

Owner Occupied	80% or less	$5,000+	180 Months	None	6.75%
Owner Occupied	80.1% to 90%	$5,000+	180 Months	None	7.75%
Non-Owner Occupied	80% or less	$5,000+	180 Months	None	7.75%

Home Equity Line of Credit (minimum loan amount $10,000) The maximum annual percentage rate 18.00%
Fixed Rate/Owner Occupied	80% or less	$10,000 - $99,999	60 Months	None	8.00%
Fixed Rate/Owner Occupied	80.1% to 90%	$10,000 - $99,999	60 Months	None	9.00%
Fixed Rate/Owner Occupied	80% or less	$100,000+	60 Months	None	7.50%
Fixed Rate/Owner Occupied	80.1% to 90%	$100,000+	60 Months	None	8.50%

Variable Rate/Owner Occupied	80% or less	$10,000 - $99,999	120 Months	None	P -.25%
Variable Rate/Owner Occupied	80.1% to 90%	$10,000 - $99,999	120 Months	None	P +.75%
Variable Rate/Owner Occupied	80% or less	$100,000+	120 Months	None	P -.75%
Variable Rate/Owner Occupied	80.1% to 90%	$100,000+	120 Months	None	P +.25%

*With automatic deduction of the monthly payment from a Checking, NOW or Savings account at Community Bank of Elmhurst, deduct .25% from the above Annual Percentage Rates. Non-Owner Occupied rates are 1.00% higher than the above 80% LTV rates. The maximum LTV on a Non-Owner Occupied loan is 80%. An Annual Fee of $45.00 will be waived the first year for new customers and assessed annually thereafter on the anniversary date of the Home Equity Line of Credit.

Please call us at (630) 782-1234 for other rates, current promotions or for answers to any other question.

MEMBER FDIC

330 W. Butterfield Rd at Spring Road
tel 630.782.1234
fax 630.782.1232
Elmhurst, Il 60126

106 Schiller Rd
tel 630.782.1234
fax 630.782.1232
Elmhurst, Il 60126

For more information please call: (630) 782-1234 or Email cbe@communityelmhurst.com

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