Rates

  • Rates effective as of 9/1/2013
  • APY = Annual Percentage Yield
  • Fees may reduce earnings

Checking Rates

ProductMinimum Required Opening DepositRateAPY
Reward Checking*$25.00On balances up to $25,0002.47%2.50%
On amount of balance over $25,0000.50%2.50% to 0.50%
If qualifications are not met0.05%0.05%

Qualifications

To earn your rewards, simply do the following activities and transactions in your Reward Checking account each monthly qualification cycle:

  • Be enrolled and receive eStatement notices
  • Be enrolled and log into online banking
  • Have at least 10 debit card transactions post and settle



ProductMinimum Required Opening DepositAPY
Free Checking$25.00N/AN/A

Savings Rates

ProductMinimum Required Opening DepositRateAPY
Real Saver*$25.00On balances up to $50,0001.00%1.00%
On amount of balance over $50,000.010.50%1.00% to 0.50%
If qualifications are not met0.05%0.05%

Qualifications

Qualifying for the Reward Checking rewards automatically qualifies you for the highest Real Saver rate too. To earn your rewards, simply do the following activities and transactions in your Reward Checking account each monthly qualification cycle:

  • Be enrolled and receive eStatement notices
  • Be enrolled and log into online banking
  • Have at least 10 debit card transactions post and settle


ProductMinimum Required Opening DepositAPY
Basic Savings$10.000.20%
Personal Money Market Account$25.00$10.00-$2,499.990.15%
$2,500-$24,999.990.20%
$25,000-$49,999.990.25%
$50,000 or more0.30%
Business Money Market Account$25.00$10.00-$9,999.99***0.15%
$10,000-$49,999.990.25%
$50,000-$99,999.990.30%
$100,000.00 to $998,000 $999,000 or more (See Branch Personnel) 0.35%

Certificates of Deposit Rates^

ProductMinimum Required Opening DepositAPY
6 Month$1,0000.25%
8 Month $1,0000.25%
12 Month$1,0000.35%
15 Month $1,0000.35%
24 Month$1,0000.55%
30 Month$1,0000.65%
36 Month$1,0000.75%
48 Month$1,0001.05%
60 Month$1,0001.45%

^Penalties may apply for early withdrawal.



Home Equity Loan Rates

Home EquityAPR**Maximum AmountMaximum TermMaximum L-T-VPayment per $1,000
Line of Credit23.25%N/A20 yrs.380%$2.71
Loan4.750%N/A5 yrs.80%$18.76
4.990%10 yrs.$10.61
5.125%15 yrs.$7.98

Auto Loan Rates

LoanTermAPR**Down PaymentPayment per $1,000
New Car or Truck
2013-2014 60 mo.5.750%10%$19.22
48 mo.5.490%10%$23.25
Used Car or Truck
2009-201260 mo.5.990%10%$19.33
48 mo.5.750%10%$23.38

** APR = Annual Percentage Rate


*APY = Annual Percentage Yield. APYs accurate as of 09/01/2013. Rates may change after account is opened. Minimum to open is $25 for Reward Checking and $10 for RealSaver. For Reward Checking, if qualifications are met each monthly qualification cycle: (1) **Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.50%; and (3) balances over $25,000 earn 0.50% interest rate on portion of balance over $25,000, resulting in a range of 2.50% to .50% APY depending on the balance. If qualifications are not met on Reward Checking, all balances earn 0.05% APY. Qualifying transactions must post to and settle Reward Checking during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Reward Checking APY is based on compounding interest. Interest earned in Reward Checking is automatically transferred to RealSaver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Reward Checking APY. The Real Saver APYs may be less than the Reward Checking APYs. If qualification in Reward Checking are met each monthly qualification cycle: (1) balances up to $50,000 in Real Saver receive an APY of 1.00%; and (2) balance over $50,000 in Real Saver earn 0.50% interest rate on portion of balance over $50,000, resulting in a range of 1.00% to 0.50% APY depending on the balance. If qualification are not met in Reward Checking, all balances in RealSaver earn 0.05% APY.


2. For lines of credit, the Annual Percentage Rate (APR) is variable and can change monthly, the maximum APR is 18%. Property insurance is required for all home equity products.


3. Indicates a 10 year draw period during which the minimum payment is equal to the interest accrued.


Interest is compounded daily for Certificates 12 months or longer and monthly on maturities less than 12 months: Real Saver,Basic Saving; Rewards Checking and Personal MMA / Business Money Market accounts. The Annual Percentage Yield (APY) is accurate as of the date shown above.


Fees could reduce earnings on the account. Please refer to our Fee Schedule. Rates of Savings and checking accounts may change after the account is opened. A penalty may be imposed for early withdrawal from Certificates of Deposit funds equaling 6 months interest on original maturities of 12 months or longer, and 3 months interest on original maturities of less than 12 months.


*** $10 monthly fee if balance is less than $10,000

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE


PLEASE SEE A COMMUNITY BANKER FOR FURTHER DETAILS


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