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| Current Rates |
Checking | Savings | Certificates of Deposit | Individual Retirement Accounts
Mortgage Rates | Loan Rates
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| Deposit Rates Effective 2/2/12 |
| Checking |
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|
Type / Term |
Minimum
Balance |
Interest
Rate |
Annual Percentage
Yield |
|
| |
NOW Accounts |
$500 |
0.05% |
0.05% |
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Money Market Checking |
$1,000 |
0.05% |
0.05% |
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| Savings |
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|
Type / Term |
Minimum
Balance |
Interest
Rate |
Annual Percentage
Yield |
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| |
Passbook/Statement Savings |
$50 |
0.15% |
0.15% |
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| |
Club Savings |
$50 |
0.10% |
0.10% |
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Money Market Investment
(Other than municipal accounts) |
$1,000 |
0.15% |
0.15% |
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$10,000 |
0.25% |
0.25% |
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$25,000 |
0.25% |
0.25% |
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$50,000 |
0.30% |
0.30% |
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$250,000 |
0.35% |
0.35% |
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| Certificates of Deposit (CD) |
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|
Type / Term |
Minimum
Balance |
Interest
Rate |
Annual Percentage
Yield |
|
| |
Starter CD (1 year) |
$500 |
0.15% |
0.15% |
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| |
1 Year Renewable
Once CD (ROC) * |
$10,000 |
0.55% |
0.55% |
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1 Month Certificate of Deposit |
$1,000 |
0.15% |
0.15% |
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3 Month Certificate of Deposit |
$1,000 |
0.30% |
0.30% |
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6 Month Certificate of Deposit |
$1,000 |
0.40% |
0.40% |
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12 Month Certificate of Deposit |
$1,000 |
0.50% |
0.50% |
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18 Month Certificate of Deposit |
$1,000 |
0.60% |
0.60% |
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24 Month Certificate of Deposit |
$1,000 |
0.80% |
0.80% |
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30 Month Certificate of Deposit |
$1,000 |
0.90% |
0.90% |
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36 Month Certificate of Deposit |
$1,000 |
1.25% |
1.26% |
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48 Month Certificate of Deposit |
$1,000 |
1.35% |
1.36% |
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60 Month Certificate of Deposit |
$1,000 |
1.50% |
1.50% |
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|
Jumbo CDs |
$100,000 |
Call for current rates and terms |
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| Individual Retirement Accounts (IRA) |
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|
Type / Term |
Minimum
Balance |
Interest
Rate |
Annual Percentage
Yield |
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| |
Variable IRA ** |
$250 |
0.40% |
0.40% |
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| |
Fixed IRA *** |
$1,000 |
*** |
*** |
|
- Penalty for early withdrawals (including substantial tax penalties on IRAs)
- Fees could reduce earnings
- Interest is compounded daily
* Guaranteed renewable once at the same rate or higher.
** Variable rate is tied to 6 month CD rate; may change at any time determined by the Bank at our discretion.
*** Same as the term selected from the CDs listed of one year or longer.
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| Loan Rates Effective 2/3/12 |
| Mortgage Rates |
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|
Mortgages |
3 years
Rate / APR |
5 years
Rate / APR |
7 years
Rate / APR |
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|
Residential- Credit Score <650 |
5.50% / 6.52% |
5.75% / 6.38% |
6.00% / 6.46% |
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| |
Residential- Credit Score 650 to 699 |
4.40% / 5.41% |
4.50% / 5.12% |
4.75% / 5.20% |
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Residential- Credit Score 700+ |
3.95% / 4.96% |
4.25% / 4.87% |
4.50% / 4.95% |
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For APR of 6.52%, 36 monthly payments of $301.96 per $10,000 borrowed.
For APR of 6.38%, 60 monthly payments of $192.17 per $10,000 borrowed.
For APR of 6.46%, 84 monthly payments of $146.09 per $10,000 borrowed.
For APR of 5.41%, 36 monthly payments of $297.02 per $10,000 borrowed.
For APR of 5.12%, 60 monthly payments of $186.43 per $10,000 borrowed.
For APR of 5.20%, 84 monthly payments of $140.17 per $10,000 borrowed.
For APR of 4.96%, 36 monthly payments of $295.02 per $10,000 borrowed.
For APR of 4.87%, 60 monthly payments of $185.30 per $10,000 borrowed.
For APR of 4.95%, 84 monthly payments of $139.00 per $10,000 borrowed.
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Mortgages |
10 years
Rate / APR |
15 years
Rate / APR |
20 years
Rate / APR |
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| |
Residential- Credit Score <650 |
6.25% / 6.59% |
6.75% / 6.99% |
6.95% / 7.15% |
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Residential- Credit Score 650 to 699 |
4.95% / 5.28% |
5.50% / 5.73% |
5.95% / 6.14% |
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Residential- Credit Score 700+ |
4.70% / 5.03% |
5.10% / 5.33% |
5.30% / 5.47% |
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For APR of 6.59%, 120 monthly payments of $112.28 per $10,000 borrowed.
For APR of 6.99%, 180 monthly payments of $88.49 per $10,000 borrowed.
For APR of 7.15%, 240 monthly payments of $77.23 per $10,000 borrowed.
For APR of 5.28%, 120 monthly payments of $105.82 per $10,000 borrowed.
For APR of 5.73%, 180 monthly payments of $81.71 per $10,000 borrowed.
For APR of 6.14%, 240 monthly payments of $71.35 per $10,000 borrowed.
For APR of 5.03%, 120 monthly payments of $104.61 per $10,000 borrowed.
For APR of 5.33%, 180 monthly payments of $79.60 per $10,000 borrowed.
For APR of 5.47%, 240 monthly payments of $67.66 per $10,000 borrowed.
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| New Vehicle Rates |
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Credit Score over 725 |
Credit Score 651-725 |
Credit Score less than 650 |
Term |
|
| |
3.80% |
4.90% |
6.75% |
New Car or Truck - 24 months |
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| |
4.20% |
5.20% |
7.00% |
New Car or Truck - 36 months |
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4.30% |
5.50% |
7.25% |
New Car or Truck - 48 months |
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4.40% |
5.70% |
7.75% |
New Car or Truck - 60 months |
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For APR of 3.80%, 24 monthly payments of $43.34 per $1,000 borrowed.
For APR of 4.20%, 36 monthly payments of $29.61 per $1,000 borrowed.
For APR of 4.30%, 48 monthly payments of $22.71 per $1,000 borrowed.
For APR of 4.40%, 60 monthly payments of $18.50 per $1,000 borrowed |
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For APR of 4.90%, 24 monthly payments of $43.83 per $1,000 borrowed.
For APR of 5.20%, 36 monthly payments of $30.06 per $1,000 borrowed.
For APR of 5.50%, 48 monthly payments of $23.26 per $1,000 borrowed.
For APR of 5.70%, 60 monthly payments of $19.19 per $1,000 borrowed. |
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For APR of 6.75%, 24 monthly payments of $44.66 per $1,000 borrowed.
For APR of 7.00%, 36 monthly payments of $30.88 per $1,000 borrowed.
For APR of 7.25%, 48 monthly payments of $24.06 per $1,000 borrowed.
For APR of 7.75%, 60 monthly payments of $20.16 per $1,000 borrowed. |
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| Used Vehicle Rates |
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|
Year |
Normal APR |
Credit Score
650-750 (APR) |
Credit Score
Over 750 (APR) |
Term |
|
| |
2011 & newer |
8.75% |
6.90% |
6.75% |
Call for term |
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2010 |
8.75% |
6.95% |
6.75% |
Call for term |
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2009 |
8.75% |
7.25% |
6.75% |
Call for term |
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2006-2008 |
9.99% |
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|
Call for term |
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2005 & Prior |
13.99% |
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Call for term |
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- 0.25% discount available when paid on an AFT basis and loan maturity is no longer than 60 months.
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| Motorcycle Rates |
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|
Type |
APR |
|
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New Road Bikes |
8.00% |
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| |
Used Road Bikes |
10.50% |
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- 0.25% discount available when paid on an AFT basis and loan maturity is no longer than 60 months.
Call or stop in for more loan rates.
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