|
EFFECTIVE DATE:07/12/2005 Quoted rates and products subject to change daily without notice.Contact us directly for the most current rates.
Certificates of Deposit - CD's
| Term |
Minimum Balance to Open |
Rate |
*APY |
6 Month Fixed |
$500.00 |
2.600% |
2.630% |
9 Month Fixed |
$500.00 |
2.625% |
2.66% |
12 Month Tiered Fixed |
$500 - $9,999 $10,000 - $24,999 $25,000 - $49,999 $50,000 - Up
2.500% 2.750% 3.125% 3.375% |
2.53% 2.79% 3.17% 3.43% |
|
12 Month Multi-Dep Fixed |
$250.00
(.25% increase for Direct Dep.) |
2.00% |
2.02% |
|
|
|
|
18 Month Fixed |
$500.00 |
3.250% |
3.30% |
24 Month Bump Fixed |
$2,000.00 |
3.500% |
3.56% |
30 Month Fixed |
$500.00 |
3.625% |
3.69% |
36 Month Fixed |
$500.00 |
3.800% |
3.87% |
48 Month Fixed |
$500.00 |
4.000% |
4.08% |
60 Month Fixed |
$500.00 |
4.160% |
4.25% |
96 Month Fixed |
$500.00 |
4.50% |
4.60% |
Jumbo 30-365 Days |
$99,000.00 |
Call |
Call |
Retirement Certificates - IRA's
| Term |
Minimum Balance to Open |
Rate |
*APY |
18 Month Adjustable |
$50.00 |
3.960% |
4.04% |
18 Month Fixed |
$50.00 |
3.250% |
3.30% |
30 Month Fixed |
$100.00 |
3.625% |
3.69% |
48 Month Fixed |
$100.00 |
4.00% |
4.08% |
96 Month Fixed |
$100.00 |
4.50% |
4.60% |
Checking and Savings
| Term |
Minimum Balance to Open |
Rate |
*APY |
Regular Savings |
$100.00 |
1.000% |
1.01% |
Junior Savers |
$5.00 |
1.000% |
1.01% |
Personal Checking |
$200.00 |
0.500% |
0.50% |
Sole Proprietor / Non-Profit Organizations Tiered Rates |
$50.00 to open $100 - $999 $1,000 - $4,999 $5,000 - $9,999 $10,000 - $14,999 $15,000 and over |
.000% .125% .250% .375% .500% |
.00% .13% .25% .38% .50% |
Commercial |
$200.00 |
Earnings Allowance
3.039% |
Golden Money Market Tiered Rates |
$1,000.00 to open $1,000 - $2,499 $2,500 - $9,999 $10,000 - $24,999 $25,000 -$49,999 $50,000 - $99,999 $100,000 - & over |
.500% .750% 1.250% 1.500% 1.750% 2.000% |
.500% 0.750% 1.26% 1.51% 1.77% 2.02% |
Trade Wind Money Market Tiered Rates |
$0 - $4,999 $5,000 - $9,999 $10,000 - $24,999 $25,000 -$49,999 $50,000 - $74,999 $75,000 - Over |
0.750% 0.875% 1.500% 1.750% 2.000% 2.250% |
0.75% 0.88% 1.51% 1.77% 2.02% 2.28% |
*Annual Percentage Yield - All accounts insured up to $100,000 by the FDIC
Quoted rates and products subject to change without notice.
Early withdrawal from Certificates may result in substantial penalty
Consumer Loan Products
| Loan Purpose |
Rate Type |
Term (mos) |
Underwriting Fee |
Ln Fee |
Rate |
APR |
| Unsecured PLC |
Variable |
60 |
$15 |
$36 annual |
12.00 |
12.000 |
| Overdraft Protection |
Fixed |
60 |
$15 |
$15 annual |
15.00 |
15.000 |
| Loan Purpose |
Rate Type |
Rate |
APR* |
| Home Equity |
Fixed |
5.99 |
5.990 |
Fixed |
6.99 |
6.990 |
Fixed |
7.99 |
7.990 |
Fixed |
6.99 |
6.990 |
Fixed |
7.99 |
7.990 |
| Variable |
Prime + 0% |
Same |
APR calculated on $50,000 loan, no costs or fees.
Credit Cards
| VISA / MasterCard |
APR |
Annual Fee |
Min. Payment |
Fees |
Cash Adv. Charge |
| Basic |
14.40%* |
$15 |
Greater of $20
or
1% of balance |
$29 late pmt.
$29 over limit |
3% up to
$15 maximum |
| Gold |
9.95% |
None |
*APR may vary and will be the greater of the rate listed above or four percentage points above the equivalent coupon issue yield of the average bill rate for twenty-six week Treasury Bills.
Auto Loans
| Financing |
Rate |
APR* |
| 2000 & Newer |
| 100% of purchase order |
4.49 |
4.766 |
* APR calculated on $25,000 loan with max term. Loan fee may be waived if refinancing from another lender.
| Financing |
Rate |
APR* |
| 1999 & Older |
| 100% of midrange |
6.74 |
7.177 |
* APR calculated on $10,000 loan with max term. Loan fee may be waived if refinancing from another lender.
Mortgage Loans
For current rates and other information on our mortgage loan products, please go to the NetLoan tab on the Loan Center page and select the "Apply for a Real Estate Loan" button, or click here.
Lot Loans available under 30 year fixed with 2% fee and have a 2 year balloon feature.
Construction loans available under 30 year ARMs and 15 to 30 year fixed rates.
Government Loans available.
Please call for current Rates and Fees 1-800-562-9744.
|
|