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Rates

Banking Rates

Effective Date: October 23, 2014

Personal Savings

Basic Savings Account

AmountMinimum BalanceAnnual Percentage YieldRate
$100,000 or more$25 to open0.25%0.25%
$25,000 to $99,999.99Variable rate0.20%0.20%
$10,000 to $24,999.990.15%0.15%
$2,500 to $9,999.990.10%0.10%
$0 to $4,999.990.05%0.05%

Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain APY on all deposit accounts.

eSavings

Minimum BalanceAnnual Percentage YieldRate
$25 to open0.20%0.20%

Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain APY on all deposit accounts.

Savings Plus

AmountMinimum BalanceAnnual Percentage YieldRate
$100,000 or more$5,0000.30%0.30%
$60,000 to $99,999.99Minimum average0.25%0.25%
$25,000 to $59,999.99balance0.20%0.20%
$5,000 to $24,999.990.15%0.15%
$0 to $4,999.99Variable rate0.10%0.10%

An average monthly balance of $5,000 is required to avoid a monthly maintenance service charge of $5.00.

Personal Checking

Basic Checking

Minimum BalanceAnnual Percentage YieldRate
$100 to open0.05%0.05%

Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain APY on all deposit accounts.

eChecking

Minimum BalanceAnnual Percentage YieldRate
$100 to open0.05%0.05%

Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain APY on all deposit accounts.

Checking Plus

Amount% of PrimeMinimum BalanceAnnual Percentage YieldRate
$100,000 or more12.5% of Prime$10,0000.41%0.41%
$60,000 to $99,999.9910% of PrimeMinimum average0.32%0.32%
$25,000 to $59,999.997.5% of Primebalance0.24%0.24%
$10,000 to $24,999.995% of PrimeVariable rate0.16%0.16%
$0 to $9,999.991% of Prime0.03%0.03%

An average monthly balance of $10,000 is required to avoid a monthly maintenance service charge of $5.00.

CDs and IRAs

Certificates of Deposit (CDs)

DurationMinimum BalanceAnnual Percentage YieldRate
91 Days (3 month)$1,5000.20%0.20%
6 Month$1,5000.30%0.30%
1 Year$1,5000.40%0.40%
2 Year$1,5000.75%0.75%
3 Year$1,5001.00%1.00%
4 Year$1,5001.40%1.41%
5 Year$1,5001.75%1.76%
4 VariableN/A0.75%0.75%

The Annual Percentage Yield may change at any time. The annual percentage yield assumes interest remains on deposit until maturity and funds are renewed at the same rate and remain on deposit for one year. A substantial penalty may be imposed for early withdrawals. Any withdrawals could reduce earnings. For more information on terms, rates, or products, please contact us.

Individual Retirement Accounts (IRAs)

DurationMinimum BalanceAnnual Percentage YieldRate
1 Year$5000.40%0.40%
2 Year$5000.75%0.75%
3 Year$5001.00%1.00%
4 Year$5001.40%1.41%
5 Year1.75%1.76%

The Annual Percentage Yield may change at any time. The annual percentage yield assumes interest remains on deposit until maturity. A substantial penalty may be imposed for early withdrawal. These yields may be applied to either a Traditional or a Roth IRA. Ask your financial advisor about which may benefit you most. For more information on terms, rates, or products, please contact us.

Prime IRA

Amount% of PrimeMinimum BalanceAnnual Percentage YieldRate
$25,000 or more25% of Prime$1000.81%0.81%
$10,000 to $24,999.9915% of Prime$1000.49%0.49%
$100 to $9,999.9910% of Prime$1000.32%0.32%
$0 to $99.990% of Prime0.00%0.00%

See Account Details

Educational IRA

Amount% of PrimeMinimum BalanceAnnual Percentage YieldRate
$25,000 or more25% of Prime$1000.81%0.81%
$10,000 to $24,999.9915% of Prime$1000.49%0.49%
$100 to $9,999.9910% of Prime$1000.32%0.32%
$0 to $99.990% of Prime0.00%0.00%

 

Business Accounts

Business Savings

AmountMinimum BalanceAnnual Percentage YieldRate
$100,000 or more$500 to earn interest0.35%0.35%
$25,000 to $99,999.990.25%0.25%
$10,000 to $24,999.990.20%0.20%
$500 to $9,999.990.05%0.05%

 

Business Prime Money Market

Amount% of PrimeMinimum BalanceAnnual Percentage YieldRate
$100,000 or more15% of Prime$10,0000.49%0.49%
$10,000 to $99,999.9910% of Prime0.32%0.32%

 


Mortgage Rates

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Consumer Loan Rates

Home Equity Fixed Rate Loans

TermInterest RateAnnual Percentage RateMonthly Payment Rate per $10,000 Borrowed
10 Years6.25%6.25%$111.03
15 Years6.75%6.75%$87.13

For more information on terms, rates, or products, please contact one of our loan officers. Please use one of our calculators to figure your payment amount.

Home Equity Variable Rate Line of Credit

TermInterest RateAnnual Percentage RateMonthly Payment Rate per $10,000 Borrowed
10 Years 5 year draw period3.50%3.50%Interest only or 1.5% of loan balance payable monthly

Rates and points are subject to change at any time without notice. Property insurance is required. Rates are subject to change monthly, equal to the prime rate published in the Wall Street Journal plus a margin. Maximum annual percentage rate is 18%. You may be required to pay certain fees to third parties (for example,a title search, title insurance and a property appraisal). These fees generally cost between $0 and $500.