Copyright Notice and Disclosures
Use of Information
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Disclaimer of Warranties
The information contained or accessed, and references to corporations, including their services and products, are provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.
Descriptions of, or references to, products, services or publications within Flanagan State Bank’s web site does not imply endorsement of that product, service or publication. Flanagan State Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. Flanagan State Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.
This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.
Facts, data, & other information presented on Flanagan State Bank website pages are provided directly by Flanagan State Bank.
Flanagan State Bank, our employees, officers, directors and shareholders, as well as BankSITE®, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.
Deposit information presented on the website of Flanagan State Bank is in accordance with the Federal Reserves Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.
Loan information presented on the website of Flanagan State Bank is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.
Home Equity Loan Rate Disclosures:
Fixed Rate Home Equity Loan – Rates and terms subject to change. Normal underwriting guidelines apply. Standard fees at borrower’s expense.
Home Equity Line of Credit – Monthly Payments and Interest Only – The fully indexed Annual Percentage Rate (APR) is Prime + 0%. [“Prime” means the prime rate as published in The Wall Street Journal. The current rate is shown in the table. The rate may increase or decrease and cannot exceed 18%. Appraisal or title insurance, if required, at borrower’s expense. Property insurance is required. Flood insurance may be required. Property must be owner-occupied. Normal underwriting guidelines apply. Non-owner occupied loans are available at 1% higher with maximum of 90% LTV.
Mortgage Loan Rate Disclosures:
15-Year and 20-Year Fixed Rate – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs.
30-Year Fixed Rate – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs.
Construction Loan – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs. Your interest rate cannot change, increase or decrease more than two percentage points at each adjustment.
Adjustable Rate Mortgage – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs. Your interest rate cannot change, increase or decrease more than two percentage points at each adjustment.