Current RatesLOAN RATESEffective Date: May 08, 2008
|
Fixed Rate Mortgage |
Term |
Rate |
APR* |
|
Primary Residence |
30 Year
15 Year
|
5.500%
4.875%
|
5.760%
5.349%
|
| Adjustable Rate Mortgage |
Term |
Rate |
APR* |
Primary Residence
(fixed for 1 year, adjusts annually)
(fixed for 3 years, adjusts annually)
(fixed for 5 years, adjusts annually)
|
30 Year
30 Year
30 Year |
4.125%
4.625%
5.375% |
4.552%
4.633%
4.954% |
* A.P.R. is based on a sales price of 250,000 with a down payment of 50,000 and a loan amount of 200,000.
Effective Date: March 19, 2008
|
Home Equity Line of Credit |
Rate |
APR |
Owner-Occupant - Margin 2.00% (10-year term)
Adjustable - Rate Changes Quarterly
One-Year Fixed Rate
Two-Year Fixed Rate
Three-Year Fixed Rate |
4.000%
6.000%
6.500%
7.000% |
4.000%
6.000%
6.500%
7.000% |
Investor - Margin 2.50% (10-year term)
Adjustable - Rate Changes Quarterly
One-Year Fixed Rate
Two-Year Fixed Rate
Three-Year Fixed Rate
|
4.500%
6.500%
7.000%
7.500% |
4.500%
6.500%
7.000%
7.500% |
|
Consumer Loans |
Term |
Rate |
APR |
|
Installment |
1 Year
2 Year
3 Year
4 Year
5 Year |
7.750%
8.000%
8.250%
8.500%
9.000%
|
7.750%
8.000%
8.250%
8.500%
9.000% |
|
Overdraft Protection |
N/A |
18.000%
|
18.000% |
|
Personal Line of Credit |
N/A |
Variable*
|
Variable* |
*Wall Street Journal Prime Interest Rate plus 4.00% margin.
SAVINGS RATESEffective Date: April 26, 2008
| Variable Interest Account Type |
Minimum Balance |
Interest Rate |
Annual
Percentage
Yield |
|
Passbook Savings |
$100 |
1.19%*
|
1.20%* |
|
Statement Savings |
$100 |
1.19%*
|
1.20%* |
|
Regular Checking |
$100 |
.05%*
|
.05%* |
| Certificate of Deposit Rates (Specials) |
Minimum Balance |
Interest Rate |
Annual
Percentage
Yield |
|
3-Month Certificate of Deposit |
$1000 |
1.99%**
|
2.00%** |
|
6-Month Certificate of Deposit |
$1000 |
2.63%**
|
2.65%** |
|
10-Month Certificate of Deposit |
$1000 |
2.69%**
|
2.70%** |
| Certificate of Deposit Rates (Standard) |
Minimum Balance |
Interest Rate |
Annual
Percentage
Yield |
|
3-5 Month Certificate of Deposit |
$1000 |
1.49%**
|
1.50%** |
|
6-8 Month Certificate of Deposit |
$1000 |
1.74%**
|
1.75%** |
|
9-11 Month Certificate of Deposit |
$1000 |
1.75%**
|
1.75%** |
|
12-Month Certificate of Deposit |
$1000 |
1.99%**
|
2.00%** |
|
24-Month Certificate of Deposit |
$1000 |
2.87%**
|
2.90%** |
|
36-Month Certificate of Deposit |
$1000 |
2.97%**
|
3.00%** |
|
48-Month Certificate of Deposit |
$1000 |
3.21%**
|
3.25%** |
|
60-Month Certificate of Deposit |
$1000 |
3.46%**
|
3.51%** |
*Your interest rate and annual percentage yield may change after the account is opened.
** A penalty will be imposed for early withdrawal.
Refer to applicable account rules and Schedule of Fees for additional disclosures
or contact a branch for more information. |
