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APY: Annual Percentage Yield
Annual Percentage Yield current as of May 14, 2008
Please contact an employee for further information about applicable fees and terms.
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| Tier 1 ($100-$4,999) |
0.25 |
0.25 |
| Tier 2 ($5000-$9,999) |
0.35 |
0.35 |
| Tier 3 ($10,000-$24,999) |
0.60 |
0.60 |
| Tier 4 ($25,000 & over) |
0.80 |
0.80 |
Minimum balance to open is $100.00.
The interest rate and annual percentage yield may change at any time without notice.
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| Tier 1 ($100 - $49,999) |
1.10 |
1.11 |
| Tier 2 ($50,000 - $99,999) |
1.50 |
1.51 |
| Tier 3 ($100,000 & Over) |
2.20 |
2.22 |
Minimum balance to open is $100.00
The interest rate and annual percentage yield may change at any time without notice.
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| Tier 1 ($100 - $4,999) |
1.05 |
1.05 |
| Tier 2 ($5,000 - $24,999) |
1.10 |
1.10 |
| Tier 3 ($25,000 - $99,999) |
1.15 |
1.15 |
| Tier 4 ($100,000 & Over) |
1.25 |
1.26 |
Minimum balance to open and earn interest is $100.00
The interest rate and annual percentage yield may change at any time without notice.
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Minimum balance to open is $100.00
The interest rate and annual percentage yield may change at any time without notice.
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| Tier 1 ($100 - $4,999) |
1.05 |
1.05 |
| Tier 2 ($5,000 - $24,999) |
1.10 |
1.10 |
| Tier 3 ($25,000 - $99,999) |
1.15 |
1.15 |
| Tier 4 ($100,000 & Over) |
1.25 |
1.26 |
Minimum balance to open is $100.00
The interest rate and annual percentage yield may change at any time without notice.
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| 30 - 89 days |
2.30 |
2.32 |
| 90 - 179 days |
2.35 |
2.38 |
| 180 - 364 days |
2.60 |
2.63 |
| 1 - 1.5 years |
2.70 |
2.73 |
| 1.5 - 2 years |
2.70 |
2.73 |
| 2 - 2.5 years |
2.70 |
2.73 |
| 2.5 - 3 years |
2.70 |
2.73 |
| 3 - 5 years |
2.98 |
3.02 |
| 5 - 7 years |
3.45 |
3.50 |
| 18 Month Variable Add On* |
2.25 |
2.27 |
*Rate may change after the account is opened. Additional deposit minimum of $100.00 on add on CD.
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| Variable - minimum $25.00 |
2.25 |
2.27 |
| 1.5 - 2.5 years |
2.70 |
2.73 |
| 2.5 - 3.5 years |
2.70 |
2.73 |
| 3.5 - 5 years |
2.98 |
3.02 |
| 5 - 7 years |
3.45 |
3.50 |
*Rate may change after the account is opened
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Time Certificates & IRA Certificates
- Minimum balance to open a Time Certificate is $500.00
- Minimum balance to open an IRA is $250.00
- APY based on minimum opening balance.
- Withdrawals will reduce earnings on time deposits
- Early withdrawal penalties may apply
*Rate may change after the account is opened
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For loan rates please contact a Customer Service Representative
Rates and Prices are subject to change without notice!!!!
APR: Mortgage Rates last updated Friday, December 6, 2007. Call in advance for pricing on all cash out transactions.
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| Conventional Loans Fixed For 15 Years -------------------- |
See loan originator for details |
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| Conventional Loans Fixed For 30 Years ------------------- |
See loan originator for details |
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| Conventional Loans Fixed For 40 Years --------------- |
See loan originator for details |
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| 1/1 ARM** |
See loan originator for details |
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| 3/1 ARM** |
See loan originator for details |
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| 5/1 ARM** |
See loan originator for details |
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| 7/1 ARM** |
See loan originator for details |
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| Jumbo Loans Fixed For 15 years |
See loan originator for details |
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| 5/1 ARM Non-Conforming*** / Bare Land**** |
See loan originator for details |
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| Construction Loans - Interest Only |
See loan originator for details |
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| ODVA Loans (Borrower's Choice) 1.5% Loan Fee |
See loan originator for details |
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| ODVA Loans (Borrower's Choice) 1.0% Loan Fee |
See loan originator for details |
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| OHCS Loans - Rate Advantage ***** |
See loan originator for details |
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| OHCS Loans - Cash Advantage (3% Cash Assistance)***** |
See loan originator for details |
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| USDA Guaranteed Rural Housing Loans --------------- |
See loan originator for details |
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ADDITIONAL PROGRAMS AVAILABLECALL FOR RATE AND TERMS
Payment amount based on initial principal balance of $100,000 amortized over stated loan term. Principal and interest payments due the 1st of each month. All rates are for a No Cash-Out, 20% down payment, 30-day lock with impounds, servicing released. Fixed rate loan fees are 1.0%, Jumbo loan fee 1.25% and Non-Conforming loan fee 1.5%. Loan must be locked before 3:30 p.m.
*APR = Annual Percentage Rate. APR calculation assumes a loan amount of $100,000, .50% estimated finance charges, plus origination and discount points of 1.00%. *
**ARM (Adjustable Rate Mortgage) is indexed to the One-year T-bill with a 2.875% spread. Rate may be increased after consummation of the loan. Owner occupied ARM loan fee is 1.25%, Non-owner occupied ARM loan fee is 1.75%, Ask for APR. Contact a loan rep for more details. **
***Qualifying quidelines include 80% TLTV. Contact a Loan Officer for more details.
****Qualifying quidelines include 65% TLTV. Contact a Loan Officer for more details.
*****Qualifying guidelines include income qualifications. Contact a Loan Officer for more details
- All rates are subject to change without notice.
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| For additional information call your Loan Officer or our Mortgage Department at 1-800-949-6064. |
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