*Annual Percentage Rate (APR) of 4.75% based on $25,000 loan for 84 months and a $50,000 loan for 144 months with automatic payments from an S&T Bank checking account. Promotional special applies to home equity loans and total line of credit fixed rate locked loans. Qualified applicants would pay 84 monthly payments of $350.42 for $25,000 borrowed and 144 monthly payments of $456.24 for $50,000 borrowed. Payments do not include amounts for taxes and insurance premiums, your actual payment may be higher. Your actual rate will be based on factors including credit qualifications, loan amount, loan-to-value, period of repayment, whether or not you select automatic draft payments from an S&T Bank checking account, and whether or not it is an owner-occupied property. The minimum rate lock loan amount is $1,000. Rate lock fee of $75 will be waived. Ask for conversion details. For new home equity loans: the minimum loan amount is $10,000. Processing fee of $75 will be waived. An appraisal, if required, typically ranges from $85-$1,000 and will be paid by the borrower. If refinancing an existing S&T Bank loan, a minimum of $10,000 in new money must be borrowed. The increase must not create a loan-to-value exception Title insurance is required for loans of $750,000 and over. Property insurance is required, flood insurance may be required, and other closing costs may be required. Consult your tax advisor regarding the deductibility of interest. Other rates and terms available. Promotion cannot be used in conjunction with other discount programs. Subject to credit approval. APR available August 27, 2018-September 30, 2018 and subject to change without notice.