 |
| |
Loan to Value |
|
0 Pts. |
|
3 Pts. |
| Term |
Rate |
A.P.R. |
Rate |
A.P.R. |
| 30 Year Fixed-Owner Occupied |
97% |
6.250% |
6.250% |
5.875% |
6.16% |
| 30 Year Fixed-Second Home |
80% |
6.250% |
6.250% |
5.875% |
6.16% |
| 30 Year Fixed-Investment Prop. |
75% |
6.875% |
6.875% |
6.375% |
6.67% |
| |
|
|
|
|
|
| 15 Year Fixed-Owner Occupied |
97% |
6.000% |
6.000% |
5.500% |
5.97% |
| 15 Year Fixed-Second Home |
80% |
6.000% |
6.000% |
5.500% |
|
| 15 Year Fixed-Investment Prop. |
75% |
6.500% |
6.500% |
6.000% |
6.48% |
| |
|
|
|
|
|
| 30 Year No Fee Refinance-1st Mortgage |
80% |
6.50% |
6.50% |
|
|
| 20 Year No Fee Refinance-1st Mortgage |
80% |
6.375% |
6.38% |
|
|
Above rates are for loans up to $417,000. Jumbo rates are also available for loans over $417,000.
Call us for details. Rates can be locked for 45 days. All rates subject to change without notice.
Payment example: $100,000 30 Year Fixed Rate Mortgage priced at 6.50% with 0 points results in
monthly principal and interest payments of $632.07. A.P.R. equals Annual Percentage Rate.
All rates effective as of November 19, 2008.
| back to top |
|
|
|
|
|
| Term |
Loan to Value |
Annual Percentage Rate |
| 12 to 60 Months-Primary Residence-Fixed |
80% |
6.00% |
| 61 to 84 Months-Primary Residence-Fixed |
80% |
6.25% |
| 85 to 120 Months-Primary Residence-Fixed |
80% |
6.50% |
| 121 to 180 Months-Primary Residence-Fixed |
80% |
6.50% |
| 181 to 240 Months-Primary Residence-Fixed |
80% |
7.00% |
| Home Equity Lines of Credit |
80% |
Wall Street Journal Prime,
Floating Monthly |
Above rates are for loans from $5,000 to $150,000. Other rates are available for varying LTV’s, second
homes and investment properties. Call us for more information. All rates are subject to change without
notice. Rates for fixed rate equity loans are based on automatic debit from a Select Bank checking.
Payment example: $10,000 60 month loan at 5.00% annual percentage rate results in monthly principal
and interest payments of $188.72.
The annual percentage rate on the (APR) on the Home Equity Line of Credit may vary. Monthly payment
on the Home Equity Line of Credit is based on 1/240th of principal plus interest.
Payment example: $50,000 Equity Line (WSJ Prime of 4.00%) equals $372.71 principal and interest per
month. Maximum rate equals 18%. Minimum rate equals 4%.
All rates are effective November 19, 2008.
| back to top |
Call us for rates and terms.
Interest Checking/Money Market
| Deposit |
|
Balance |
|
Rate |
|
Annual Percentage Yield |
| Interest Checking |
$100-$2,499 |
0.75% |
0.75% |
| |
$2,500 plus |
0.75% |
0.75% |
| Super Interest Checking |
$100-$2,499 |
1.24% |
1.25% |
| |
$2,500-$9,999 |
1.74% |
1.75% |
| |
$10,000 Plus |
2.47% |
2.50% |
| Select 50 Checking |
$100-$2,499 |
0.75% |
0.75% |
| |
$2,500 plus |
0.75% |
0.75% |
| Small Business Ckg |
$100-$2,499 |
0.75% |
0.75% |
| |
$2,500 plus |
0.75% |
0.75% |
| Money Manager Ckg |
$1000-$9,999 |
0.75% |
0.75% |
| |
$10,000 plus |
1.10% |
1.11% |
| Money Market Acct/IRA |
$1000-$9,999 |
1.00% |
1.01% |
| |
$10,000 plus |
2.23% |
2.25% |
| Business Money Market |
$1000-$9,999 |
1.00% |
1.01% |
| |
$10,000 plus |
1.20% |
1.21% |
| |
|
|
|
|
|
|
| Savings |
| Passbook Savings |
|
$50 plus |
|
1.15% |
|
1.16% |
| Statement Savings |
|
$50 plus |
|
1.15% |
|
1.16% |
| Super Passbook Savings |
|
$50 - $19,999 |
|
1.00% |
|
1.01% |
| |
|
$20,000 plus |
|
1.98% |
|
2.00% |
| Super Statement Savings |
|
$50 - $19,999 |
|
1.00% |
|
1.01% |
| |
|
$20,000 - $29,999 |
|
1.98% |
|
2.00% |
| |
|
$30,000 - $39,999 |
|
2.23% |
|
2.25% |
| |
|
$40,000 plus |
|
2.96% |
|
3.00% |
| Business Savings |
|
$50 plus |
|
1.15% |
|
1.16% |
| Holiday Clubs |
|
$5,10,20,25,30 |
|
1.98% |
|
2.00% |
| |
|
|
|
|
|
|
| Certificates of Deposit/IRA (Personal/Business) |
| 7-31 Day CD |
|
$500 |
|
1.25% |
|
1.25% |
| 91 Day CD |
|
$500 |
|
2.42% |
|
2.45% |
| 6 Month CD |
|
$500 |
|
2.81% |
|
2.85% |
| 7 Month CD |
|
$500 |
|
3.74% |
|
3.80% |
| 9 Month CD |
|
$500 |
|
3.01% |
|
3.05% |
| 12 Month CD |
|
$100 |
|
3.20% |
|
3.25% |
| 18 Month CD |
|
$100 |
|
3.20% |
|
3.25% |
| 24 Month CD |
|
$100 |
|
3.35% |
|
3.40% |
| 36 Month CD |
|
$100 |
|
3.45% |
|
3.51% |
| 48 Month CD |
|
$100 |
|
3.45% |
|
3.51% |
| 18 Month Floating Rate CD |
|
$100 |
|
3.01% |
|
3.05% |
| |
|
|
|
|
|
|
Rates are subject to change without notice.
Early withdrawal prior to CD maturity is subject to penalty.
All rates are effective November 19, 2008.
| back to top | |
