Deposit Product and Consumer Loan Rates
Deposit Product Rates
Consumer Loan Rates
Deposit Product Rates
Effective Date: March 2, 2010
| Account Type |
Rate |
Annual Percentage Yield |
Minimum Balance ($) |
| Passbook and Statement Savings |
0.149% |
0.150% |
200 |
| Super Passbook & Platinum Savings Tier 1 |
0.249% |
0.250% |
1,000 |
| Super Passbook & Platinum Savings Tier 2 |
0.349% |
0.350% |
10,000 |
| Super Passbook & Platinum Savings Tier 3 |
0.449% |
0.450% |
50,000 |
| Super Passbook & Platinum Savings Tier 4 |
0.549% |
0.550% |
OVER 100,000 |
| Regular Checking |
No Interest |
No Interest |
300 |
| Interest Tiered Checking Tier 1 |
0.100% |
0.100% |
1,000 |
| Interest Tiered Checking Tier 2 |
0.149% |
0.150% |
10,000 |
| Interest Tiered Checking Tier 3 |
0.199% |
0.200% |
50,000 |
| Interest Tiered Checking Tier 4 |
0.249% |
0.250% |
OVER 100,000 |
| Money Market Plus Checking Tier 1 |
0.249% |
0.250% |
2,500 |
| Money Market Plus Checking Tier 2 |
0.349% |
0.350% |
25,000 |
| Money Market Plus Checking Tier 3 |
0.449% |
0.450% |
50,000 |
| Money Market Plus Checking Tier 4 |
0.549% |
0.550% |
OVER 100,000 |
| 91-day Certificate |
0.350% |
0.350% |
1,000 |
| 182-day Certificate |
0.499% |
0.500% |
1,000 |
| 1-year Certificate |
0.698% |
0.700% |
1,000 |
| 18-month Certificate |
0.996% |
1.000% |
1,000 |
| 2-year Certificate |
1.343% |
1.350% |
1,000 |
| 30-month Certificate |
1.640% |
1.650% |
1,000 |
| 3-year Certificate |
1.985% |
2.000% |
1,000 |
| 3 1/2-year Certificate |
2.231% |
2.250% |
1,000 |
| 5-year Certificate |
2.967% |
3.000% |
1,000 |
| 7-year Certificate |
3.552% |
3.600% |
1,000 |
| 10-year Certificate |
3.941% |
4.000% |
1,000 |
On Certificates, and on regular Passbook and Statement Savings accounts, interest compounds quarterly (unless otherwise noted).
On Interest Checking, Money Market Plus Checking, Platinum Savings and Super Passbook accounts, interest compounds monthly (unless otherwise noted).
The rates for Passbook, Statement Savings, Interest Checking, and Money Market accounts are variable and may change after your account is opened.
The annual percentage yields quoted are accurate as of the effective date listed above.
Fees may reduce your earnings on your account.
Substantial penalty for early withdrawal on Certificates of Deposit.
Member FDIC.
Consumer Loan Rates
Consumer Loan Rates are effective November 1, 2009
Rates are subject to change without notice.
Rate example: If you borrowed with no down payment, at 7.47 % APR* for 72 months, the monthly payment will be $169.30 per $10,000.00 borrowed.
CARS AND TRUCKS ONE TON AND UNDER
| Year |
Maximum term in months |
APR* Based on $10,000 loan amount |
|
2010-2009
New or Used
|
72
|
7.47 %
|
|
2008-2007
Used
|
66
|
8.03 %
|
|
2006-2005
Used
|
60
|
9.11 %
|
|
2004-2002
Used
|
48
|
11.33 %
|
Not everyone will qualify for these rates. Your rate may be higher.
HOME EQUITY – CLOSED END
|
Type
|
Minimum Loan Amount
|
Loan to Value
|
APR*
Based on Minimum Loan Amount
|
|
180 Months
|
$10,000
|
85% MAX.
|
7.55 %
|
|
120 Months
|
$10,000
|
85% MAX.
|
7.26 %
|
|
60 Months
|
$5,000
|
85% MAX.
|
8.88 %
|
Not everyone will qualify for these rates. Your rate may be higher.
HOME EQUITY LINES OF CREDIT – VARIABLE RATE**
|
Loan to Value
|
Loan Amounts
|
APR*
|
|
85%
|
$5,000 or greater
|
4.50 %
|
**Rates are based on qualifying credit and your rate may be higher. The Annual Percentage Rate will not go below 4.5% or exceed 18.50% depending on your qualifying rate. Rates are subject to change without notice throughout the life of the loan. You may pay certain fees to third parties ranging from $50.00 to $350.00 to open an account.
*APR = Annual Percentage Rate
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