Effective date:
September 2, 2010
Interest Rate and Annual Percentage Yield (APY) are effective as of the above date and may change at any time without notice.
CD RATES
Term
Rate
APY²
Minimum Opening Deposit
30 Day
0.10%
0.10%
$500.00
90 Day
0.25%
0.25%
$500.00
6 Month
1.00%
1.00%
$500.00
1 Year
1.60%
1.60%
$500.00
18 Month
1.60%
1.60%
$500.00
2 Year
2.00%
2.00%
$500.00
3 Year
2.25%
2.25%
$500.00
4 Year
2.50%
2.50%
$500.00
5 Year
2.75%
2.75%
$500.00
6 Year
2.00%
2.00%
$500.00
7 Year
2.00%
2.00%
$500.00
8 Year
2.00%
2.00%
$500.00
INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)
Term
Rate
APY²
Minimum Opening Deposit
6 Month
1.00%
1.00%
$500.00
1 Year
1.60%
1.60%
$500.00
18 Month
1.60%
1.60%
$500.00
2 Year
2.00%
2.00%
$500.00
3 Year
2.25%
2.25%
$500.00
4 Year
2.50%
2.50%
$500.00
5 Year
2.75%
2.75%
$500.00
6 Year
2.00%
2.00%
$500.00
7 Year
2.00%
2.00%
$500.00
8 Year
2.00%
2.00%
$500.00
Education IRA (Coverdale)
2.25%
2.25%
$500.00
2 Year Roth
2.00%
2.00%
$500.00
CHECKING ACCOUNTS
 
Rate
APY²
Minimum Opening Deposit
Personal Accounts
Guaranty Plus Checking
 
 
$100.00
       Balances less than $1,500
0.00%
0.00%
 
       Balances greater than $1,500
0.10%
0.10%
 
 
 
 
Health Savings Account¹
 
 
$100.00
       Balances less than $5,000
0.10%
0.10%
 
       Balances $5,000 - $10,000
0.15%
0.15%
       Balances greater than $10,000
0.25%
0.25%
 
Business Accounts
Sole Proprietor Super Now¹
 
 
$100.00
       Balances less than $1,000
0.10%
0.10%
 
       Balances greater than $1,000
0.25%
0.25%
Business Relationship Checking¹
0.00%
0.00%
$100.00
SAVINGS ACCOUNTS
 
Rate
APY²
Minimum Opening Deposit
Regular Savings¹
0.10%
0.10%
$100.00
Christmas Club Savings¹
0.10%
0.10%
$5.00
Business Savings¹
0.10%
0.10%
$100.00
Public Fund Savings¹
0.16%
0.16%
$100.00
MONEY MARKET ACCOUNTS
 
Rate
APY²
Minimum Opening Deposit
Premium Money Market¹
 
 
$1,500.00
(Personal or Business)
 
 
 
       Balances up to $1,499
0.00%
0.00%
       Balances $1,500 - $49,999
0.15%
0.15%
 
       Balances $50,000 - $99,999
0.25%
0.26%
       Balances $100,000 - $499,999
0.50%
0.50%
 
       Balances $500,000 - $999,999
0.75%
0.76%
       Balances greater than $1,000,000
1.00%
1.00%
 
¹ The interest rate and APY may change after account opening. Daily Balance is the amount of principal in the account each day. ² The APY assumes that principal and interest are compounded for a period of one (1) year. Also, a penalty may be imposed for early withdrawal. Fees may reduce earnings.
 
 
 
 
Current Consumer Loan Rates
Effective date: August 10, 2009
 
Rate³
APR
 
Real Estate Secured
6.00%
6.40%
 
For example: a loan amount of $75,000 with a loan to value of 80% based on an amortization of 15 years (3 year balloon) would have a monthly payment of $633.06.
Interim Construction
6.25%
9.11%
 
For example: a commitment amount of $75,000 with a loan to value (or cost, whichever is less) of 80% would require monthly interest payments during the 9 month construction period. 
New Auto
6.99%
6.99%
 
For example: a loan amount of $25,000 with a loan to value of 90% based on a 36 month amortization would have a monthly payment of $774.43. 
Other Secured
7.50%
7.64%
 
For example: a loan amount of $25,000 with a loan to value of 90% based on a 36 month amortization would have a monthly payment of $779.88.
Unsecured
10.00%
10.23%
 
For example: a loan amount of $15,000 with a 36 month amortization would have a monthly payment of $486.30. 
³ Requires a credit score > or = 725; other rates are available for scores < 725. 
Current Real Estate Mortgage Rates
Effective date: Sept 02, 2010
Term
Rate
APR*
Monthly Payment
15yr (0 pts)
4.000%
4.15%
$1,183.56
15yr (1 pt)
3.750%
3.90%
$1,163.56
30yr (0 pts)
4.625%
4.63%
$822.62
30yr (1 pt)
4.375%
4.52%
$798.86
* Assumptions: Based on purchase price of $200,000, loan amount of $160,000 and a credit score of 740 or higher.
 
**WSJP is Wall Street Journal Prime**