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September 2011
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Mortgage Rates Hit Historic Lows
Online Tools Help Home Buyers and Existing Owners Take Advantage of Attractive Lending Options

Historically low mortgage rates are helping homebuyers make the most of their budgets, and current homeowners stand to benefit from market pressures pushing rates lower than we've seen for a long time. If you fit either of these scenarios Park Bank is here to help you maximize your mortgage investment.

The Tax Benefits of Home Equity Loans
Using the value in your home to strengthen your financial position

Home equity loans remain one of the most powerful financing vehicles used by American consumers. According to the U.S. Federal Reserve, the total dollar amount of outstanding home equity loans was $925 billion in the first quarter of 2011 and home equity constituted 11 percent of the average U.S. household’s net worth.

AAA Representatives Offer Back to School Safety Information
On-Site Visits in Park Bank Branches in September

Learn more about AAA discounts available for Park Bank clients.

Three Ways to Store eStatements
Take advantage of technology that lets you better monitor and organize your finances
According to a 2010 article on, a study conducted by Javelin Strategy and Research found that 62 percent of individuals who switched to eStatements said that they preferred the digital version to a traditional paper statement because it was easy to access online. These results aren’t surprising, since going through months’ or years’ worth of paper statements looking for one small charge can be daunting. The use of eStatements is a paper-free solution to account-activity tracking that is better not only for organization and management, but also for the environment. It can be a more secure way to receive sensitive information and make operations less expensive, as well.
Cars With the Best Resale Value
What you need to know before you buy
With only a handful of exceptions, a new car is almost guaranteed to significantly decrease in value over your term of ownership. As soon as you take possession of your new car, it begins to depreciate, and the biggest drop in value will occur in the first year you own it. Some car values, however, drop more steeply and quickly than others. Differences are often tied closely to how cars rate for reliability and quality, but also according to brand image and consumer demand.
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