Certificate of Deposit Rates
|
| Term |
Minimum Deposit to Open |
Minimum Balance to Obtain APY* |
Interest Rate |
APY* |
| 91 Day Fixed Rate |
$1000 |
$1000 |
2.00% |
2.02% |
| 6 Month Fixed Rate |
$1000 |
$1000 |
2.50% |
2.53% |
| 12 Month Fixed Rate |
$500 |
$500 |
2.71% |
2.75% |
| 15 Month Fixed Rate |
$5000 |
$5000 |
2.96% |
3.00% |
| 18 Month Fixed Rate |
$500 |
$500 |
2.96% |
3.00% |
| 19 Month Step Up** |
$2500 |
$2500 |
2.71% |
2.75% |
| 24 Month Fixed Rate |
$500 |
$500 |
3.05% |
3.10% |
| 25 Month Step Up** |
$2500 |
$2500 |
2.76% |
2.80% |
| 36 Month Fixed Rate |
$500 |
$500 |
3.20% |
3.25% |
| 37 Month Step Up** |
$2500 |
$2500 |
3.00% |
3.05% |
| 48 Month Fixed Rate |
$500 |
$500 |
3.30% |
3.35% |
| 60 Month Fixed Rate |
$500 |
$500 |
3.44% |
3.50% |
| 84 Month Fixed Rate |
$500 |
$500 |
3.68% |
3.75% |
| ** A ONE-TIME OPTION TO CHANGE TO A HIGHER RATE DURING THE TERM |
Savings Rates
|
| Account Type |
Minimum Deposit To Open |
Minimum Bal To Obtain APY* |
Interest Rate |
APY* |
| Passbook Savings |
$100 |
$50 |
1.00% |
1.01% |
| Statement Savings |
$100 |
$50 |
1.24% |
1.25% |
| Super Savings (stmt) |
$1000 |
$1000 |
1.49% |
1.50% |
| Christmas Savings |
$5 |
$5 |
1.00% |
1.01% |
| Minor Savings |
$10 |
$10 |
1.20% |
1.21% |
| Fees may be assessed if the balance falls below minimum required to open amount. Primary Account Holder on Minor Savings must be under the age of 21 |
Money Market Tiered Rates
|
| Account Type |
Minimum Deposit To Open |
Minimum Bal To Obtain APY* |
Interest Rate |
APY* |
| Money Market Passbook (1st tier) |
$2500 |
$2500 |
1.98% |
2.00% |
| Money Market Passbook (2nd tier) |
|
$25000 |
2.23% |
2.25% |
| Money Market Checking(1st tier) |
$2500 |
$2500 |
1.98% |
2.00% |
| Money Market Checking |
|
$25000 |
2.23% |
2.25% |
| Money Market Checking is limit to 3 checks per monthly cycle. Fees may be assessed if the balance falls below minimum required to open amount. |
Checking Account Products
|
| Account Type |
Minimum Deposit To Open |
Minimum Bal To Obtain APY* |
Interest Rate |
APY* |
| NOW Checking |
$300 |
$300 |
0.50% |
0.50% |
| Economy Checking |
$100 |
$100 |
n/a |
n/a |
| Bonus 50 Checking |
$50 |
$.01 |
0.50% |
0.50% |
| Elite Checking (tiered rate) |
$25000 |
$2500 |
2.23% |
2.25% |
| Fees may be assessed if the balance falls below minimum required to obtain APY*. To be eligible for Bonus 50 Checking, account holders must be age 50 or older. If the balance on the Elite Checking falls below $25000, the account will earn an interest rate of 1.00% with an APY* of 1.01%. |
Retirement Rates
|
| Account Type /Term |
Minimum Deposit To Open |
Minimum Bal To Obtain APY* |
Interest Rate |
APY* |
| Statement Savings |
$50 |
$50 |
1.24% |
1.25% |
| 12 Month Fixed Rate |
$100 |
$100 |
2.71% |
2.75% |
| 18 Month Fixed Rate |
$100 |
$100 |
2.96% |
3.00% |
| 24 Month Fixed Rate |
$500 |
$500 |
3.05% |
3.10% |
| 36 Month Fixed Rate |
$500 |
$500 |
3.20% |
3.25% |
| 48 Month Fixed Rate |
$500 |
$500 |
3.30% |
3.35% |
| 60 Month Fixed Rate |
$500 |
$500 |
3.44% |
3.50% |
| 72 Month Fixed Rate |
$500 |
$500 |
3.54% |
3.60% |
| 84 Month Fixed Rate |
$500 |
$500 |
3.68% |
3.75% |
| Additions of at least $10.00 permitted on 18 Month CD at any time during the term. |
Traditional IRA, Roth IRA & SEP IRA available.
|
Residential Lending Rates |
Loan Department (410) 752-3070 or (800) 700-3876 |
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Purchase Money or Refinance of Primary Residence* Conforming Loan Amounts
|
| Loan Program |
Interest Rate |
Points |
APR |
| 5 Yr Fixed |
5.750 |
0 |
6.050 |
| 7 Yr Fixed |
5.875 |
0 |
6.097 |
| 10 Yr Fixed |
6.000 |
0 |
6.162 |
| 15 Yr Fixed |
6.125 |
0 |
6.241 |
| 20 Yr Fixed |
6.250 |
0 |
6.343 |
| 30 Yr Fixed |
6.375 |
0 |
6.447 |
| 1/1 ARM |
N/A |
N/A |
N/A |
| 3/1 ARM |
N/A |
N/A |
N/A |
| 5/1 ARM |
N/A |
N/A |
N/A |
| 7/1 ARM |
N/A |
N/A |
N/A |
| * Call For Vacation Property, Investment Property, or Jumbo Loan Amount Rate Quotes |
Fixed Interest Rate Second Liens
|
| Loan Program |
Interest Rate |
Points |
APR |
| 7 Yr Fixed |
6.375 |
0 |
6.456 |
| 10 Yr Fixed |
6.500 |
0 |
6.561 |
| 15 Yr Fixed |
6.625 |
0 |
6.669 |
Home Equity Line of Credit
|
| Loan Program |
Interest Rate |
APR |
|
| 15 Yr. Term |
WSJPR minus ½% |
4.500 |
|
Construction/Permanent Financing & Lot Loans-
|
Call for Loan Program Parameters and Rate Quotes
|
| - Rates subject to change daily |
| - Rates locked in for sixty (60) days from receipt of application |
| - Conforming loan amounts in accordance to FNMA/FHLMC guidelines |
| - If applicable, Fees for appraisal, credit report, and flood certification required at the time of application. Fees may vary. |
| - Loan to value (LTV) based on the lessor of purchase price or appraised value. |
| - Loan amount exceeding 80.00% of value require Private Mortgage Insurance |
| - Fixed Interest Rate Second Liens and Home Equity Lines of Credit can not exceed a combined loan to value (CLTV) of 80.00% |
| - Wall Street Journal Prime Rate (WSJPR) |
| - First Liens require escrow accounts |
