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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 6/15/10 |
| Checking |
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|
Type / Term |
Minimum
Balance |
Interest
Rate |
Annual Percentage
Yield |
|
| |
NOW Accounts |
$500 |
0.15% |
0.15% |
 |
| |
Money Market Checking |
$1,000 |
0.15% |
0.15% |
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| Savings |
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|
Type / Term |
Minimum
Balance |
Interest
Rate |
Annual Percentage
Yield |
|
| |
Passbook/Statement Savings |
$50 |
0.25% |
0.25% |
|
| |
Club Savings |
$50 |
0.25% |
0.25% |
|
|
Money Market Investment
(Other than municipal accounts) |
$1,000 |
0.30% |
0.30% |
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|
|
$10,000 |
0.40% |
0.40% |
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|
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$25,000 |
0.40% |
0.40% |
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$50,000 |
0.45% |
0.45% |
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|
$250,000 |
0.50% |
0.50% |
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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 |
0.25% |
0.25% |
|
| |
1 Year Renewable
Once CD (ROC) * |
$10,000 |
1.10% |
1.11% |
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| |
1 Month Certificate of Deposit |
$1,000 |
0.30% |
0.30% |
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| |
3 Month Certificate of Deposit |
$1,000 |
0.55% |
0.55% |
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6 Month Certificate of Deposit |
$1,000 |
0.80% |
0.80% |
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12 Month Certificate of Deposit |
$1,000 |
1.00% |
1.01% |
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18 Month Certificate of Deposit |
$1,000 |
1.10% |
1.11% |
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|
24 Month Certificate of Deposit |
$1,000 |
1.30% |
1.31% |
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30 Month Certificate of Deposit |
$1,000 |
1.40% |
1.41% |
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36 Month Certificate of Deposit |
$1,000 |
1.70% |
1.71% |
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|
48 Month Certificate of Deposit |
$1,000 |
2.00% |
2.02% |
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60 Month Certificate of Deposit |
$1,000 |
2.10% |
2.12% |
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|
Jumbo CDs |
$100,000 |
Call for current rates and terms |
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| Individual Retirement Accounts (IRA) |
|
|
Type / Term |
Minimum
Balance |
Interest
Rate |
Annual Percentage
Yield |
|
| |
Variable IRA ** |
$250 |
0.80% |
0.80% |
|
| |
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 2/2/10 |
| Mortgage Rates |
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|
Mortgages |
3 years
Rate / APR |
5 years
Rate / APR |
7 years
Rate / APR |
|
|
Residential- Credit Score <650 |
5.50% / 6.52% |
5.75% / 6.38% |
6.00% / 6.46% |
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| |
Residential- Credit Score 650+ |
4.75% / 5.76% |
5.30% / 5.93% |
5.55% / 6.01% |
|
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 5.76%, 36 monthly payments of $298.59 per $10,000 borrowed.
For APR of 5.93%, 60 monthly payments of $190.09 per $10,000 borrowed.
For APR of 6.01%, 84 monthly payments of $143.94 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+ |
5.75% / 6.08% |
6.25% / 6.49% |
6.50% / 6.69% |
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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 6.08%, 120 monthly payments of $109.77 per $10,000 borrowed.
For APR of 6.49%, 180 monthly payments of $85.74 per $10,000 borrowed.
For APR of 6.69%, 240 monthly payments of $74.56 per $10,000 borrowed.
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| New Vehicle Rates |
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|
Special APR * |
Regular APR |
Term |
|
| |
5.25% |
6.75% |
New Car or Truck - 24 months |
|
| |
5.50% |
7.00% |
New Car or Truck - 36 months |
|
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5.75% |
7.25% |
New Car or Truck - 48 months |
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5.99% |
7.75% |
New Car or Truck - 60 months |
|
For APR of 5.25%, 24 monthly payments of $43.98 per $1,000 borrowed.
For APR of 5.50%, 36 monthly payments of $30.20 per $1,000 borrowed.
For APR of 5.75%, 48 monthly payments of $23.37 per $1,000 borrowed.
For APR of 5.99%, 60 monthly payments of $19.33 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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* The special rate is available to applicants that are borrowing 90% or less of the cost of the vehicle (excluding
sales tax) and meet other bank underwriting requirements.
- 0.25% discount available when paid on an AFT basis and loan maturity is no longer than 60 months
(not applicable to special rate)
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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 |
|
| |
2009 & newer |
8.75% |
7.50% |
7.25% |
Call for term |
|
| |
2008 |
8.75% |
7.50% |
7.25% |
Call for term |
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2007 |
8.75% |
7.50% |
7.25% |
Call for term |
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2004-2006 |
9.99% |
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2003 & Prior |
13.99% |
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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 |
|
| |
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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