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March 09, 2010 - March 15, 2010
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| TERM |
MINIMUM BALANCE |
COMPOUNDING |
EARLY WITHDRAWAL PENALTY |
RATE |
APY |
| 91 Days |
$2,500 |
at maturity |
31 days interest |
0.95% |
0.95% |
| 6 Month |
$2,500 |
at maturity |
3 months interest |
1.10% |
1.10% |
| 1 Year * |
$500 |
semi-annually |
3 months interest |
1.35% |
1.35% |
| 18 Month * |
$500 |
quarterly |
6 months interest |
1.45% |
1.46% |
| 2 Year * |
$500 |
semi-annually |
6 months interest |
2.10% |
2.11% |
| 30 Month * |
$500 |
quarterly |
6 months interest |
2.30% |
2.32% |
| 3 Year (Step Up)** |
$500 |
semi-annually |
6 months interest |
2.50% |
2.52% |
| 60 Month * |
$500 |
semi-annually |
6 months interest |
2.80% |
2.82% |
| 60 Month (No Penalty) *** |
$500 |
semi-annually |
6 months interest |
1.50% |
1.51% |
| 10 Year * |
$500 |
semi-annually |
6 months interest |
3.15% |
3.17% |
| Passbook Savings |
$50 |
quarterly |
not applicable |
1.25% |
1.26% |
| Now Checking |
$250 |
monthly |
not applicable |
0.25% |
0.25% |
| Tri-Checking |
$1,000 |
monthly |
not applicable |
0.50% |
0.50% |
| Education Savings |
$10 |
quarterly |
call for details |
2.25% |
2.27% |
| * IRA's available in these terms. Minimum initial deposit for an IRA is $50.00 |
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| ** "Step Up" feature not available for IRA's |
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| *** One withdrawal without penalty after initial seven days. After first withdrawal penalty applies |
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| APY denotes "Annual Percentage Yield" |
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| ****JUMBO CD RATES AVAILABLE |
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Loan Rates
Contact our experienced Loan Officers for current rates on all loan offerings. |
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Effective February 5, 2010
Fixed Rate Purchase
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| Term in Years |
Down Payment Equity |
Rate |
APR |
| 5 |
20% |
4.80% |
4.944% |
| 10 |
20% |
4.80% |
4.876% |
| 15 |
20% |
4.80% |
4.853% |
| 20 |
20% |
5.00% |
5.042% |
| 25 |
20% |
5.10% |
5.135% |
| 30 |
20% |
5.20% |
5.231% |
| * APR denotes Annual Percentage Rate |
| Above APR's assume a $100,000 loan amount for the term stated. Monthly payment example: 360 monthly payments of $5.49 per $1,000 borrowed at 5.231% APR. |
| Outstanding mortgage lien balances will be used in calculations. |
| Above payment example does not include payment for escrow account (taxes, insurance, etc.) that may be part of your transaction. |
| Interest may be tax deductible, please consult your tax advisor. |
| Loan approval subject to Bank's Loan Underwriting Guidelines. |
| If down payment is less than 20%, Private Mortgage Insurance will be required which will increase the APR. |
| Please contact your local branch office for details. |
| All rates are subject to change without further notice. |
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