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Effective date:
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March 4, 2010
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Interest Rate and Annual Percentage Yield (APY) are effective as of the above date and may change at any time without notice.
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CD RATES
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Term
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Rate
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APY²
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Minimum Opening Deposit
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30 Day
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0.10%
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0.10%
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$500.00
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90 Day
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0.25%
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0.25%
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$500.00
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6 Month
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1.00%
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1.00%
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$500.00
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1 Year
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1.60%
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1.60%
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$500.00
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18 Month
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1.60%
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1.60%
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$500.00
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2 Year
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2.25%
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2.25%
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$500.00
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3 Year
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2.50%
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2.50%
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$500.00
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4 Year
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2.75%
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2.75%
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$500.00
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5 Year
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3.00%
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3.00%
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$500.00
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6 Year
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2.00%
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2.00%
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$500.00
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7 Year
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2.00%
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2.00%
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$500.00
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8 Year
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2.00%
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2.00%
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$500.00
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INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)
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Term
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Rate
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APY²
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Minimum Opening Deposit
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6 Month
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1.00%
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1.00%
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$500.00
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1 Year
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1.60%
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1.60%
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$500.00
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18 Month
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1.60%
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1.60%
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$500.00
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2 Year
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2.25%
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2.25%
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$500.00
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3 Year
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2.50%
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2.50%
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$500.00
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4 Year
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2.75%
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2.75%
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$500.00
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5 Year
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3.00%
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3.00%
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$500.00
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6 Year
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2.00%
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2.00%
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$500.00
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7 Year
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2.00%
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2.00%
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$500.00
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8 Year
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2.00%
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2.00%
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$500.00
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Education IRA (Coverdale)
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2.50%
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2.50%
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$500.00
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2 Year Roth
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2.25%
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2.25%
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$500.00
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CHECKING ACCOUNTS
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Rate
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APY²
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Minimum Opening Deposit
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Personal Accounts
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Image Checking Plus¹
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$100.00
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Balances less than $1,500
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0.00%
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0.00%
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Balances greater than $1,500
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0.10%
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0.10%
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Balances greater than $250,000
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#REF!
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#REF!
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Personal Relationship Checking¹
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$2,500.00
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Balances less than $2,500
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#REF!
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#REF!
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Balances greater than $2,500
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#REF!
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#REF!
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Health Savings Account¹
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$100.00
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Balances less than $5,000
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0.10%
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0.10%
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Balances $5,000 - $10,000
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0.15%
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0.15%
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Balances greater than $10,000
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0.25%
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0.25%
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Business Accounts
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Sole Proprietor Super Now¹
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$100.00
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Balances less than $1,000
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0.10%
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0.10%
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Balances greater than $1,000
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0.25%
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0.25%
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Business Relationship Checking¹
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0.00%
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0.00%
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$100.00
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SAVINGS ACCOUNTS
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Rate
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APY²
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Minimum Opening Deposit
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Regular Savings¹
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0.10%
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0.10%
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$100.00
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Christmas Club Savings¹
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0.10%
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0.10%
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$100.00
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Business Savings¹
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0.10%
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0.10%
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$100.00
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Public Fund Savings¹
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0.06%
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0.06%
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$100.00
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MONEY MARKET ACCOUNTS
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Rate
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APY²
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Minimum Opening Deposit
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Premium Money Market¹
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$1,500.00
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(Personal or Business)
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Balances up to $1,499
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0.00%
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0.00%
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Balances $1,500 - $49,999
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0.15%
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0.15%
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Balances $50,000 - $99,999
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0.25%
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0.26%
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Balances $100,000 - $499,999
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0.50%
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0.50%
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Balances $500,000 - $999,999
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0.75%
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0.76%
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Balances greater than $1,000,000
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1.00%
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1.00%
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¹ The interest rate and APY may change after account opening. Daily Balance is the amount of principal in the account each day. ² The APY assumes that principal and interest are compounded for a period of one (1) year. Also, a penalty may be imposed for early withdrawal. Fees may reduce earnings.
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Current Consumer Loan Rates
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Effective date: August 10, 2009
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Rate³
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APR
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Real Estate Secured
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6.00%
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6.40%
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For example: a loan amount of $75,000 with a loan to value of 80% based on an amortization of 15 years (3 year balloon) would have a monthly payment of $633.06.
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Interim Construction
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6.25%
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9.11%
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For example: a commitment amount of $75,000 with a loan to value (or cost, whichever is less) of 80% would require monthly interest payments during the 9 month construction period.
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New Auto
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6.99%
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6.99%
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For example: a loan amount of $25,000 with a loan to value of 90% based on a 36 month amortization would have a monthly payment of $774.43.
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Other Secured
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7.50%
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7.64%
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For example: a loan amount of $25,000 with a loan to value of 90% based on a 36 month amortization would have a monthly payment of $779.88.
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Unsecured
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10.00%
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10.23%
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For example: a loan amount of $15,000 with a 36 month amortization would have a monthly payment of $486.30.
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³ Requires a credit score > or = 725; other rates are available for scores < 725.
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Current Real Estate Mortgage Rates
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Effective date: March 9, 2010
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Term
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Rate
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APR*
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Monthly Payment
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15yr (0 pts)
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4.750%
|
4.87%
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$1,244.53
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15yr (1 pt)
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4.500%
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4.77%
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$1,223.99
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30yr (0 pts)
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5.375%
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5.45%
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$895.95
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30yr (1 pt)
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5.125%
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5.29%
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$871.18
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* Assumptions: Based on purchase price of $200,000, loan amount of $160,000 and a credit score of 740 or higher.
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Home Equity Line of Credit
|
|||
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Effective date: March 8, 2010
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|
WSJP
|
Rate Adjustment
|
Rate
|
|
1st year
|
3.25%
|
-1.00%
|
5.75%
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13th month
|
3.25%
|
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5.75%
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**WSJP is Wall Street Journal Prime**
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