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Rates
Savings Rates
Deposit Account Rates
Money Market Account Rates
Certificate Rates
IRA Certificate Rates
Jumbo Certificate Rates
Loan Rates
Auto Rates
Motorcycle Rates
Recreational Vehicle Rates
Boat, Motor and Trailer Rates
Personal Consumer Loan Rates
VISA Rates
MasterCard Rates
Mortgage Rates
Home Equity Rates
| Deposit Rates | ||
| Effective Date: For Period Ending 07/31/10 | ||
| Accounts | Rate* | APY (Annual Percentage Yield) |
| Savings Account | 0.50% | 0.50% |
| Christmas Account | 0.50% | 0.50% |
| Vacation Accounts | 0.50% | 0.50% |
| IRA Share Accoutnts | 0.75% | 0.75% |
*Fees may reduce earnings on share accounts.**Share Account rates are variable and subject to change monthly. | ||
| Money Market Account Rates | ||
| Effective Date: For Period Ending 07/31/2010 | ||
| Minimum Balance Required to Earn Rate | Rate* | APY(Annual Percentage Yield) |
| $2,500 - $9,999 | 0.55% | 0.55% |
| $10,000 - $24,999 | 0.65% | 0.65% |
| $25,000 - $49,999 | 0.85% | 0.85% |
| $50,000 - $99,999 | 0.95% | 0.95% |
| $100,000 and up | 1.10% | 1.11% |
*Money Market rates are variable and subject to change Monthly. | ||
| Certificate Rates | |||
| Effective Date: 07/15/10 | |||
| Term | Rate* | APY(Annual Percentage Yield) | Minimum Balance |
| 90 Days | 0.60% | 0.60% | $500.00 |
| 180 days | 0.80% | 0.80% | $500.00 |
| 12 Months | 1.15% | 1.15% | $500.00 |
| 24 Months | 1.35% | 1.36% | $500.00 |
| 36 Months | 1.45% | 1.46% | $500.00 |
Early withdrawal penalties apply on Certificate Accounts. Certificate Rates are subject to change weekly. | |||
| IRA Certificate Rates | |||
| Effective Date: 07/15/2010 | |||
| Term | Rate* | APY (Annual Percentage Yield) | Minimum Balance |
| 12 Months | 1.15% | 1.15% | $500.00 |
| 24 Months | 1.35% | 1.36% | $500.00 |
| 36 Months | 1.45% | 1.46% | $500.00 |
Early withdrawal penalties apply on Certificate Accounts. IRA Certificate rates are subject to change weekly. | |||
| Jumbo Certificate Rates | ||
| Effective Date: 07/15/10 | ||
| Term | Rate* | APY(Annual Percentage Yield) |
| 6 Month Jumbo* | 0.85% | 0.85% |
| 12 Month Jumbo* | 1.20% | 1.21% |
| 24 Month Jumbo* | 1.40% | 1.41% |
| 36 Month Jumbo | 1.50% | 1.51% |
* Early withdrawal penalties apply on Certificate Accounts. Jumbo Rates are subject to Change Daily | ||
| Auto Rates | ||
| Effective Date: 07/23/10 | ||
| Loan Type | Term | Rate As Low As APR* |
| New Auto | up to 48 Months | 3.50% |
| New Auto | up to 60 Months | 4.25% |
| New Auto - over $20,000.00 | up to 72 Months | 5.00% |
| New Auto - over $30,000.00 | up to 84 Months | 5.25% |
| Used Auto | up to 60 Months | 5.00% |
| Used Auto - over $20,000.00 | up to 72 Months | 5.50% |
| Antique / Classic Auto | up to 36 Months | 7.00% |
| Antique / Classic Auto | up to 48 Months | 7.50% |
| Motorcycle Rates | ||
| Effective Date: 07/23/10 | ||
| Loan Type | Term | Rate As Low As |
| New / Used Motorcycles | up to 48 Months | 5.50% |
| New / Used Motorcycles | up to 60 Months | 6.00% |
| Recreational Vehicles | ||
| Effective Date: 07/23/10 | ||
| Loan Type | Term | Rate As Low As |
| New / Used Recreational Vehicles | up to 60 Months | 5.25% |
| New / Used Recreational Vehicles | up to 84 Months | 6.75% |
| New / Used Recreational Vehicles | up to 120 Months | 6.75% |
| Boat, Motor and Trailer Rates | ||
| Effective Date: 07/23/10 | ||
| Loan Type | Term | Rate As Low As |
| New / Used Boat, Motor and Trailer | up to 60 Months | 5.25% |
| New / Used Boat, Motor and Trailer | up to 84 Months | 6.75% |
| New / Used Boat, Motor and Trailer | up to 120 Months | 6.75% |
| Personal Consumer Loan Rates | ||
| Effective Date: 07/23/10 | ||
| Loan Type | Term | Rate As Low As |
| Home Improvement | up to 60 Months | 7.00% |
| Home Improvement | up to 84 Months | 7.50% |
| Personal Loans | up to 60 Months | 8.50% |
| VISA Rates | ||
| Effective Date: 01/29/09 | ||
| Loan Type | Term | Rate As Low As |
| VISA Classic | Revolving | 10.50% |
| VISA Gold | Revolving | 8.90% |
| Mortgage Rates | ||
| Effective Date: 01/29/09 | ||
| Loan Type | Term | Rate* |
| First Mortgage - Fixed Rate | up to 95% of Value for up to 15 years |
Call for Rate |
| First Mortgage - Fixed Rate | up to 95% of Value for up to 20 years |
Call for Rate |
| First Mortgage - Variable Rate | up to 95% of Value for up to 30 years |
Call for Rate |
| First Mortgage - 5 year fixed / 20 year variable | up to 95% of Value for up to 30 years |
Call for Rate |
| First Mortgage - 10 year fixed / 20 year variable | up to 95% of Value for up to 30 years |
Call for Rate |
| Undeveloped Property - Fixed Rate | up to 85% of Value for up to 120 Months |
7.25% APR |
| Undeveloped Property - Variable Rate | up to 85% of Value for up to 120 Months |
Call for Rate |
*Rates are subject to change daily based on various indices. | ||
| Home Equity Rates | ||
| Effective Date: 01/29/09 | ||
| Loan Type | Term | Rate* |
Home Equity Line of Credit (Variable Rate) |
up to 115% of Value for up to 180 months |
As low as 4.00% APR* |
Home Equity Loan (Fixed Rate) |
up to 90% of Value for up to 60 months |
5.25% APR |
Home Equity Loan (Fixed Rate) |
up to 90% of Value for up to 120 months |
6.00% APR |
Home Equity Loan (Fixed Rate) |
up to 90% of Value for up to 180 months |
6.75% APR |
Home Equity Loan (Fixed Rate) |
up to 100% of Value for up to 60 months |
6.00% APR |
Home Equity Loan (Fixed Rate) |
up to 100% of Value for up to 120 months |
6.75% APR |
Home Equity Loan (Fixed Rate) |
up to 100% of Value for up to 180 months |
7.50% APR |
*APR = Annual Percentage Rate. APY = Annual Percentage Yield. Other Rates and terms available based on credit history, equity in home and length of loan.
Contact a loan officer for details. Equal Housing Lender.
