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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 5/20/13 |
| Checking |
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|
Type / Term |
Minimum
Balance |
Interest
Rate |
Annual Percentage
Yield |
|
| |
NOW Accounts |
$500 |
0.05% |
0.05% |
 |
| |
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 |
|
| |
Passbook/Statement Savings |
$50 |
0.10% |
0.10% |
|
| |
Club Savings |
$50 |
0.10% |
0.10% |
|
|
Money Market Investment
(Other than municipal accounts) |
$1,000 |
0.10% |
0.10% |
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|
|
$10,000 |
0.10% |
0.10% |
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|
|
$25,000 |
0.10% |
0.10% |
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|
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$50,000 |
0.15% |
0.15% |
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|
$250,000 |
0.20% |
0.20% |
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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 |
0.10% |
0.10% |
|
| |
1 Year Renewable
Once CD (ROC) * |
$10,000 |
0.35% |
0.35% |
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| |
1 Month Certificate of Deposit |
$1,000 |
0.10% |
0.10% |
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| |
3 Month Certificate of Deposit |
$1,000 |
0.15% |
0.15% |
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|
6 Month Certificate of Deposit |
$1,000 |
0.20% |
0.20% |
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12 Month Certificate of Deposit |
$1,000 |
0.30% |
0.30% |
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|
18 Month Certificate of Deposit |
$1,000 |
0.35% |
0.35% |
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|
24 Month Certificate of Deposit |
$1,000 |
0.50% |
0.50% |
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|
30 Month Certificate of Deposit |
$1,000 |
0.55% |
0.55% |
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|
36 Month Certificate of Deposit |
$1,000 |
0.80% |
0.80% |
|
|
48 Month Certificate of Deposit |
$1,000 |
0.90% |
0.90% |
|
|
60 Month Certificate of Deposit |
$1,000 |
1.10% |
1.11% |
|
|
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 |
0.20% |
0.20% |
|
| |
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 1/25/13 |
| Mortgage Rates |
|
For APR of 6.26%, 36 monthly payments of $300.83 per $10,000 borrowed.
For APR of 6.13%, 60 monthly payments of $191.01 per $10,000 borrowed.
For APR of 6.21%, 84 monthly payments of $144.89 per $10,000 borrowed.
For APR of 4.82%, 36 monthly payments of $295.91 per $10,000 borrowed.
For APR of 4.66%, 60 monthly payments of $185.30 per $10,000 borrowed.
For APR of 4.80%, 84 monthly payments of $139.00 per $10,000 borrowed.
For APR of 3.20%, 36 monthly payments of $291.69 per $10,000 borrowed.
For APR of 3.55%, 60 monthly payments of $182.14 per $10,000 borrowed.
For APR of 3.75%, 84 monthly payments of $135.54 per $10,000 borrowed.
For APR of 3.00%, 36 monthly payments of $290.81 per $10,000 borrowed.
For APR of 3.25%, 60 monthly payments of $180.80 per $10,000 borrowed.
For APR of 3.50%, 84 monthly payments of $134.40 per $10,000 borrowed.
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|
Mortgages |
10 years
Rate / APR |
15 years
Rate / APR |
20 years
Rate / APR |
25 years
Rate / APR |
|
| |
Residential- Credit Score <650
(Points: 1½) |
6.00% / 6.33% |
6.50% / 6.74% |
6.70% / 6.89% |
6.95% / 7.12% |
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| |
Residential- Credit Score 650 to 699
(Points: 1) |
4.70% / 4.92% |
5.25% / 5.40% |
5.70% / 5.82% |
5.95% / 6.06% |
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| |
Residential- Credit Score 700-749
(Points: 0) |
4.00% / 4.00% |
4.35% / 4.35% |
4.55% / 4.55% |
4.80% / 4.80% |
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| |
Residential- Credit Score 750+
(Points: 0) |
3.75% / 3.75% |
4.10% / 4.10% |
4.30% / 4.30% |
4.60% / 4.60% |
|
For APR of 6.33%, 120 monthly payments of $111.02 per $10,000 borrowed.
For APR of 6.74%, 180 monthly payments of $87.11 per $10,000 borrowed.
For APR of 6.89%, 240 monthly payments of $75.74 per $10,000 borrowed.
For APR of 7.12%, 300 monthly payments of $70.36 per $10,000 borrowed.
For APR of 4.92%, 120 monthly payments of $104.61 per $10,000 borrowed.
For APR of 5.40%, 180 monthly payments of $80.39 per $10,000 borrowed.
For APR of 5.82%, 240 monthly payments of $69.92 per $10,000 borrowed.
For APR of 6.06%, 300 monthly payments of $64.12 per $10,000 borrowed.
For APR of 4.00%, 120 monthly payments of $101.25 per $10,000 borrowed.
For APR of 4.35%, 180 monthly payments of $75.73 per $10,000 borrowed.
For APR of 4.55%, 240 monthly payments of $63.54 per $10,000 borrowed.
For APR of 4.80%, 300 monthly payments of $57.30 per $10,000 borrowed.
For APR of 3.75%, 120 monthly payments of $100.06 per $10,000 borrowed.
For APR of 4.10%, 180 monthly payments of $74.47 per $10,000 borrowed.
For APR of 4.30%, 240 monthly payments of $62.19 per $10,000 borrowed.
For APR of 4.60%, 300 monthly payments of $56.15 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 |
|
| |
4.20% |
5.20% |
7.00% |
New Car or Truck - 36 months |
|
| |
4.30% |
5.50% |
7.25% |
New Car or Truck - 48 months |
|
| |
4.40% |
5.70% |
7.75% |
New Car or Truck - 60 months |
|
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 |
|
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. |
|
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 |
|
|
Year |
Normal APR |
Credit Score
650-750 (APR) |
Credit Score
Over 750 (APR) |
Term |
|
| |
2012 & newer |
8.75% |
6.60% |
5.50% |
Call for term |
|
| |
2011 |
8.75% |
6.65% |
5.50% |
Call for term |
|
| |
2010 |
8.75% |
7.99% |
5.75% |
Call for term |
|
| |
2007-2009 |
9.99% |
|
|
Call for term |
|
| |
2006 & 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 |
|
|
Type |
Normal APR |
Credit Score
650-750 (APR) |
Credit Score
Over 750 (APR) |
Term |
|
| |
New Road Bikes |
8.00% |
7.00% |
5.50% |
Call for term |
|
| |
Used Road Bikes |
10.50% |
9.25% |
7.50% |
Call for term |
|
- 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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