Albion Banking Center

53 E State St
Albion, PA 16401
Phone: (814) 756-4138

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Andover Banking Center

19 Public Square
PO Box 1300
Andover, OH 44003
Phone: (440) 293-7605

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Ashtabula Harbor Banking Center

1630 West 19th Street
Ashtabula, OH 44004
Phone: (440) 964-8999

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Austinburg Banking Center

1853 Route 45
PO Box 273
Austinburg, OH 44010
Phone: (440) 275-3333

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Conneaut Banking Center

339 State Street
Conneaut, OH 44030
Phone: (440) 593-6595

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Andover Bank Corporate Headquarters

600 East Main Street
PO Box 1300
Andover, OH 44003
Phone: (440) 293-7256

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Edinboro Banking Center

212 Plum St
Edinboro, PA 16412
Phone: (814) 734-1655

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Geneva Banking Center

665 South Broadway
Geneva, OH 44041
Phone: (440) 466-3040

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Jefferson Banking Center

150 North Chestnut Street
Jefferson, OH 44047
Phone: (440) 576-2265

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Madison Banking Center

6611 North Ridge Road
Madison, OH 44057
Phone: (440) 417-0200

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Millcreek Banking Center

2420 Zimmerly Rd
Erie, PA 16506
Phone: (814) 833-4550

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Stow Loan Production Office

3924 Clock Pointe Trail, Ste. 101
Stow, OH 44224
Phone: (844) 259-5473

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Vehicle rates

Auto Rates

Offering great rates for all your lending needs!

New Auto Rates 2023 & 2024

Term	Loan to Value Ratio	Rate	APR
72 Months*	Up to 110% of Purchase Price	6.99%	6.99%
66 Months*	Up to 110% of Purchase Price	6.74%	6.74%
60 Months*	Up to 110% of Purchase Price	6.49%	6.49%
48 Months*	Up to 110% of Purchase Price	6.24%	6.24%
36 Months*	Up to 110% of Purchase Price	5.99%	5.99%

^*Subject to Credit Approval. Your Rate may be higher. Additional terms may apply. Rate includes 0.25% preferred rate reduction with auto debit from an Andover Bank checking account. $200 loan fee waived. For a limited time only.

Example 1: If you borrow at 6.99% (6.99% APR) for 72 months the monthly payment will be $170.49 per $10,000 borrowed.

Example 2: If you borrow at 6.74% (6.74% APR) for 66 months the monthly payment will be $181.80 per $10,000 borrowed.

Example 3: If you borrow at 6.49% (6.49% APR) for 60 months the monthly payment will be $195.66 per $10,000 borrowed.

Example 4: if you borrow at 6.24% (6.24% APR) for 48 months the monthly payment will be $236.00 per $10,000 borrowed.

Example 5: If you borrow at 5.99% (5.99% APR) for 36 months the monthly payment will be $304.23 per $10,000 borrowed.

Used Auto Rates

Year	Max Term	Rate	APR
2022-2023*	60 Months	6.99%	6.99%
2021*	60 Months	7.49%	7.49%
2020*	54 Months	7.74%	7.74%
2019*	48 Months	8.49%	8.49%
2018*	36 Months	8.99%	8.99%

^*Subject to Credit and Collateral Approval. Your Rate may be higher. Additional terms may apply. Rate includes 0.25% preferred rate reduction with auto debit from an Andover Bank checking account. $200 loan fee waived. For a limited time only.

Example 1: If you borrow on a 2022-2023 vehicle at 6.99% (6.99% APR) for 60 months the monthly payment will be $198.02 for a $10,000 loan.

Example 2: If you borrow on a 2021 vehicle at 7.49% (7.49% APR) for 60 months the monthly payment will be $200.39 for a $10,000 loan.

Example 3: If you borrow on a 2020 vehicle at 7.74% (7.74% APR) for 54 months the monthly payment will be $219.95 for a $10,000 loan.

Example 4: If you borrow on a 2019 vehicle at 8.49% (8.49% APR) for 48 months the monthly payment will be $246.50 for a $10,000 loan.

Example 5: If you borrow on a 2018 vehicle at 8.99% (8.99% APR) for 36 months the monthly payment will be $318.04 for a $10,000 loan.

^*Please contact your nearest Andover Banking Center location for current rates on auto refinances.

How much can you afford?

Use our handy calculators to find out.

Got Additional Questions?

If you have questions about any of our deposit or loan programs, feel free to get in touch. We'll be happy to talk with you further and help you select the product that's right for your financial needs.

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