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The Annual Percentage Rates (APRs) displayed above are effective as of 12/7/2019 and are subject to change without notice. Because rates change frequently, your interest rate is not confirmed until you call to lock-in your rate with S&T Bank at 800-325-2265 Monday through Friday 8:00 am to 5:00 pm. The rate may differ from the rate shown above depending on market fluctuations. Displayed rates are for the purchase or no cash-out refinance of owner occupied residential property in S&T Bank market areas. Rates may be adjusted to reflect underwriting risk. Subject to S&T Bank underwriting guidelines and collateral requirements. Rates reflect a 60-day lock period for purchases and refinance transactions. VA loans are available to veterans, service members, and eligible surviving spouses. For details, please call 800-325-2265. Subject to credit approval. Other rates and terms are available.