Loan Rates

Important Loan Disclosures

Please see below for a list of current rates. You may also contact MBT at 734-241-3431 or 800-321-0032 for more detailed information.

Every effort has been made to present current and accurate loan rates, conditions and qualifying information. However, rates and accompanying data shown on the website are provided for information only, do not constitute a guarantee of availability and are not a solicitation for purchase. It is the reader's responsibility to confirm and verify all rates and loan conditions with an appropriate MBT loan officer.

The mortgage options below represent our primary loan programs. Other programs may be available depending on your individual financial situation and credit score. Please ask an MBT Mortgage Expert.

Adjustable Rate Mortgage - 5/1 ARM (Caps 2/5)

Type	Rate	APR	Points
5/1 ARM (Caps 2/5)	4.000%	4.370%	1.000%

Important Disclosures

Fixed Rate Mortgage - 15 Year

Term	Rate	APR	Points
15 Year Fixed	3.500%	3.658%	0.000%

Important Disclosures

Fixed Rate Mortgage - 30 Year

Term	Rate	APR	Points
30 Year Fixed	4.250%	4.342%	0.000%

Important Disclosures

Home Equity Line Of Credit (HELOC) Rates

Type	Best Rate	APR	Points
80% LTV	Prime (3.25%) - .25%	3.00%	0.000%
85% LTV	Prime (3.25%)	3.25%	0.000%

See Important Disclosures

Fixed Rate Home Equity (owner occupied)

Type	Loan to Value	Term	Best Rate	APR
5 year fixed	80% LTV	60/ 240 Month Note	3.89%	3.962%
5 year fixed	85% LTV	60/ 240 Month Note	4.09%	4.162%
1st Lien 5 year	80% LTV	60/ 240 Month Note	3.59%	3.591%
1st Lien 10 year	80% LTV	120/ 240 Month Note	4.39%	4.391%

Important Disclosures

Auto & Light Truck Loans

Type	Term	Best Rate	APR
2012 & 2013	60 Months	2.45%	2.79%
2010 & 2011	60 Months	2.99%	3.33%
2008 & 2009	48 Months	3.49%	3.91%
2007 & Older	42 Months	4.75%	5.25%

Term on vehicles with 100,000 miles or more is 24 months. 15% minimum downpayment on used vehicles based on "clean" retail category in current NADA Guide, or purchase price, whichever results in a larger down payment. MBT may require larger down payment based upon borrower's credit score, vehicle history and age. Read important disclosures.

Personal Secured Loans

Type	Best Rate	APR
12 months or less	2.99%	4.42%
24 - 36 months	3.49%	4.03%
48 - 60 months	3.99%	4.35%

Read important disclosures

Loans Secured by an MBT CD or Savings Account

Type	Rate	APR
Rate 2% above your Savings or CD rate
Minimum Rate	2.10%	2.73%

Read important disclosures

Manufactured Homes

Term

Rate

Please contact our Customer Service Center at 734-241-3431 or 800-321-0032 for terms and rates.