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Interest 
Rates

 
Certificate of Deposit
Money Market Investment
Health Savings Accounts
Savings
Loans

DEPOSIT RATES

Certificate of Deposit
Fixed Rate Yield IRA Option
Minimum
Rates
APY*
3 Month  
$1,000
0.45%
0.45%
6 Month  
$1,000
0.80%
0.80%
12 Month
ü
$1,000
1.05%
1.05%
15 Month One Up  
$5,000
1.15%
1.15%
15 Month Add On  
$2,500
1.15%
1.15%
18 Month  
$500
1.25%
1.25%
24 Month
ü
$500
1.45%
1.45%
36 Month
ü
$500
2.00%
2.00%
48 Month  
$500
2.45%
2.45%
60 Month
ü
$500
2.55%
2.55%
Variable Rate        
21 Month Add On
ü
$1,000
1.45%
1.45%
$ for Scholars - 36 Month
 
$300
2.00%
2.00%

       

($50 Minimum add-on amount for Dollars for Scholars, $500 minimum add-on for all other add-on products)

Money Market Investment
$1,000-$14,999
0.10%
0.10%
$15,000-$24,999
0.10%
0.10%
$25,000-$49,999
0.15%
0.15%
$50,000-$99,999
0.20%
0.20%

$100,000 and over
0.30%
0.30%

 

Health Savings Accounts
$0 - $4,999 0.10% 0.10%
$5,000 - $9,999 0.15% 0.15%
$10,000 - $49,999 0.20% 0.20%
$50,000 and over 0.25% 0.25%

  

Checking
Personal Interest Bearing, Non-Profit, & Public Funds
To $2,500
0.025%
0.025%
$2,500 and over
0.05%
0.05%

 

IRAs
To $500
0.05%
0.05%
$500-$999
0.10%
0.10%
$1,000-$9,999
0.15%
0.15%
$10,000-$24,999
0.20%
0.20%
$25,000 and over
0.25%
0.25%

 

Savings
Regular Savings
0.05%
0.05%

First-Step & Step-Up  ($100 and over)
0.30%
 0.30%
Holiday Savings
0.25%
0.25%

 *Annual Percentage Yield
A penalty will be imposed for early withdrawal. Fees could reduce the earnings on an account.

LOAN RATES

 Long-Term Fixed Rate Mortgages

Term
Rates
APR
Monthly Payment
15 Year
4.000%
4.013%
$1479.38
20 Year
4.500%
4.510%
$1265.30
30 Year
4.625%
4.632%
$1028.28
Annual percentage rates (APR) based on $200,000 loan and a 20% down payment.  Loan terms are based on a 15, 20 or 30-year amortization as indicated. APRs effective on date posted. Rate subject to change. Subject to credit approval. Property insurance required on all collateral. Appraisal, title, credit report and recording fees additional. Payment amounts do not include taxes or insurance premiums.

 Monthly Balloon Mortgages

Term
Rates
 Loan Costs
APR
Monthly Payment
 Final Payment
1 year
5.500%
 1/2 point
6.111%
$1135.58
 $198,441.38
2 Year
5.750%
 1/2 point
6.067%
$1167.15
 $195,869.44
3 Year
6.000%
 1/2 point
6.219%
$1199.10
 $193,367.30

Annual percentage rates (APR) based on $200,000 loan and 20% down payment. $175 administration fee applies.  Loan terms are based on a 30-year amortization. Lender is under no obligation to renew final payments at maturity. APR's effective on date posted. Rate subject to change. Subject to credit approval. Property insurance required on all collateral. Payment amounts do not include taxes or insurance premiums. Appraisal, title, credit report and recording fees additional.

 Peace of Mind Construction Loan

 
Term
Rates
Loan Costs
APR

Monthly 
Payments

 Final Payment

 Option A
9 Months
4.900%
1/2 point
6.792%
 $558.34 $200,558.34

Option B
9 Months
5.900%
$350.00
6.882%
 $569.45 $200,569.45

Option C
6 Months
3.900%
1/2 point
6.690%
 $550.00 $200,550.00

Construction loan annual percentage rate (APR) calculation assumes a $200,000 loan for the term indicated. $350 administration fee applies. (The interest payments are figured on total $200,000.00 draw.) Lender is under no obligation to renew final payments at maturity. APR effective on date posted. Rate subject to change. Subject to credit approval. Property insurance required on all collateral. Payment amounts do not include taxes or insurance premiums. Appraisal, title, credit report and recording fees additional.

 Lot Loan

Term
Rates
Loan Costs
 APR Monthly Payments Final Payment
1 Year
5.000%
1/2 point
 5.877% $208.33 $50,208.33

Annual percentage rate (APR) shown is based on a $50,000 loan and a 10% down payment to qualified buyers.  The rate is valid for 12 months from the date of closing.  $175 administrative fee applies. Lender is under no obligation to renew final payment at maturity.  APR effective on date posted. Title, credit report and recording fees additional.

PLEASE NOTE: Additional Loan Disclosures

Rates are subject to change without notice and based upon credit approval. Please visit a lender for more information about our loan rates. Stated rates are for purchase money transactions or refinance transactions with no cash-out (cash-out is defined as any additional funds disbursed other than refinancing the first mortgage). The actual interest rate available to you will be based on your credit history and individual loan to approved value ratio. The actual rate may be different than the rate stated above.

CONSUMER CREDIT CARD

VISA rates are Prime + 5.9% Annual Percentage Rate

E-mail us or visit any location today for current rates and more information about our investments.

All rates are subject to change without notice. Rates are effective as of July 30, 2010.