|
EFFECTIVE DATE May 16, 2013 |
|||
|
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 |
0.40% |
0.40% |
$500.00 |
| 1 Year |
0.65% |
0.65% |
$500.00 |
| 18 Month |
0.90% |
0.90% |
$500.00 |
| 2 Year |
1.00% |
1.00% |
$500.00 |
| 3 Year |
1.30% |
1.30% |
$500.00 |
| 4 Year |
1.50% |
1.50% |
$500.00 |
| 5 Year |
1.70% |
1.70% |
$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 |
0.40% |
0.40% |
$500.00 |
| 1 Year |
0.65% |
0.65% |
$500.00 |
| 18 Month |
0.90% |
0.90% |
$500.00 |
| 2 Year |
1.00% |
1.00% |
$500.00 |
| 3 Year |
1.30% |
1.30% |
$500.00 |
| 4 Year |
1.50% |
1.50% |
$500.00 |
| 5 Year |
1.70% |
1.70% |
$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 |
| 1 Year Target IRA |
0.05% |
0.05% |
$500.00 |
|
CHECKING ACCOUNTS |
|||
|
|
Rate |
APY² |
Minimum Opening Deposit |
| Personal Accounts | |||
| Guaranty Plus Checking |
$100.00 |
||
| Balances less than $1,500 |
0.05% |
0.05% |
|
| Balances $1,500 – $99,999 |
0.10% |
0.10% |
|
| Balances 100,000 – $999,999 |
0.20% |
0.20% |
|
| Balances greater than $1,000,000 |
0.40% |
0.40% |
|
| Health Savings Account¹ |
$100.00 |
||
| Balances less than $1,500 |
0.05% |
0.05% |
|
| Balances $1,500 – $99,999 |
0.10% |
0.10% |
|
| Balances 100,000 – $999,999 |
0.20% |
0.20% |
|
| Balances greater than $1,000,000 |
0.40% |
0.40% |
|
| Business Accounts | |||
| Sole Prop./Non-Profit Now¹ |
$100.00 |
||
| Balances less than $1,500 |
0.05% |
0.05% |
|
| Balances $1,500 – $99,999 |
0.10% |
0.10% |
|
| Balances 100,000 – $999,999 |
0.20% |
0.20% |
|
| Balances greater than $1,000,000 |
0.40% |
0.40% |
|
|
SAVINGS ACCOUNTS |
|||
|
|
Rate |
APY² |
Minimum Opening Deposit |
| Regular Savings¹ |
0.05% |
0.05% |
$100.00 |
| Christmas Club Savings¹ |
0.05% |
0.05% |
$5.00 |
| Business Savings¹ |
0.05% |
0.05% |
$100.00 |
| Public Fund Savings¹ |
0.01% |
0.01% |
$100.00 |
|
MONEY MARKET ACCOUNTS |
|||
|
|
Rate |
APY² |
Minimum Opening Deposit |
| Premium Money Market¹ |
$1,500.00 |
||
| (Personal or Business) | |||
| Balances less than $1,500 |
0.00% |
0.00% |
|
| Balances $1,500 – $99,999 |
0.15% |
0.15% |
|
| Balances 100,000 – $999,999 |
0.30% |
0.30% |
|
| Balances greater than $1,000,000 |
0.50% |
0.50% |
|
| 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 Real Estate Mortgage Rates |
|||
| Effective date: May 16, 2013 | |||
|
Term |
Rate |
APR* |
Monthly Payment |
| 15yr (0 pts) |
3.250% |
3.34% |
$1,124.27 |
| 15yr (1 pt) |
3.000% |
3.37% |
$1,104.93 |
| 30yr (0 pts) |
3.875% |
3.93% |
$752.38 |
| 30yr (1 pt) |
3.625% |
3.84% |
$729.68 |
| * Assumptions: Based on purchase price of $200,000, loan amount of $160,000 and a credit score of 740 or higher. | |||
|
|
|||
|
|
|
|
|