Interest Rates and APY are subject to change without
notice. APY is annual percentage yield and are accurate as of the effective date.
Banking regulations require substantial penalty for early withdrawal of certificates
of deposit. *10.00 minimum deposit to earn interest.
|
Product
|
Minimum
Deposit
|
APY
|
Interest
Rate
|
|
Passbook
Savings
|
$10.00
|
2.10%
|
2.08%
|
|
Statement
Savings
|
$10.00
|
2.10%
|
2.08%
|
|
Christmas
Club
|
$1.00*
|
2.10%
|
2.08%
|
|
Vacation
Club
|
$1.00*
|
2.10%
|
2.08%
|
Interest Rates and APY are subject to change without
notice. APY is annual percentage yield and are accurate as of the effective date.
Banking regulations require substantial penalty for early withdrawal of certificates
of deposit. **Fees incurred may reduce the earnings on these accounts.
|
Product
|
Minimum
Deposit
|
APY
|
Interest
Rate
|
|
Cash
Reserves
Money Market
|
$100 to
$2,499
$2,500 to $9,999.99
$10,000 to $24,999.99
Over $25,000
|
2.10%**
2.10%**
3.25%**
3.35%**
|
2.08%
2.08%
3.20%
3.30%
|
|
High
Fidelity
Money
Market
|
Under $1,000
$1,000 to $2,499.99
Over $2,500
|
.50%
2.10%
2.35%
|
.50%
2.08%
2.32%
|
Interest Rates and APY are subject to change without
notice. APY is annual percentage yield and are accurate as of the effective date.
Banking regulations require substantial penalty for early withdrawal of certificates
of deposit. *Senior
Partner: this account requires the distribution of interest and does not allow
interest to remain in the account.
|
Product
|
Minimum
Deposit
|
APY
|
Interest
Rate
|
|
Rainy
Day 3 month CD
|
$100.00
|
3.75%
|
3.75%
|
|
3 month
CD
|
$500.00
|
3.75%
|
3.75%
|
|
6 month
CD
|
$500.00
|
4.50%
|
4.50%
|
|
12 month
CD
|
$500.00
|
4.50%
|
4.41%
|
|
18 month
CD
|
$500.00
|
4.50%
|
4.41%
|
|
24 month
CD
|
$500.00
|
4.75%
|
4.65%
|
|
30 month
CD
|
$500.00
|
4.80%
|
4.70%
|
|
36 month
Senior Partner*
|
$10,000
|
5.00%
|
5.00%
|
|
36 month
CD
|
$500.00
|
4.85%
|
4.75%
|
|
48 month
Senior Partner*
|
$10,000
|
5.20%
|
5.20%
|
|
48 month
CD
|
$500.00
|
5.05%
|
4.94%
|
|
60 month
Senior Partner*
|
$10,000
|
5.40%
|
5.40%
|
|
60 month
CD
|
$500.00
|
5.25%
|
5.13%
|
Interest Rates and APY are subject to change without
notice. APY is annual percentage yield and are accurate as of the effective date.
Banking regulations require substantial penalty for early withdrawal of certificates
of deposit.
|
Product
|
Minimum
Deposit
|
APY
|
Interest
Rate
|
|
Savings
|
$100.00
|
3.00%
|
2.96%
|
|
3 month
IRA CD
|
$500.00
|
3.75%
|
3.75%
|
|
6 month
IRA CD
|
$500.00
|
4.50%
|
4.50%
|
|
12 month
IRA CD
|
$500.00
|
4.50%
|
4.41%
|
|
18 month
IRA CD
|
$500.00
|
4.50%
|
4.41%
|
|
24 month
IRA CD
|
$500.00
|
4.75%
|
4.65%
|
|
30 month
IRA CD
|
$500.00
|
4.80%
|
4.70%
|
|
36 month
IRA CD
|
$500.00
|
4.85%
|
4.75%
|
|
48 month
IRA CD
|
$500.00
|
5.05%
|
4.95%
|
|
60 month
IRA CD
|
$500.00
|
5.25%
|
5.13%
|
Interest Rates and APR are subject to change without
notice. APR is annual percentage rate and is accurate as of the effective date.
Rates shown for minimum loan of $1,000 and maximum $35,000. LTV - loan to value
amount is 90%
new cars, 80% used cars.
|
Product
|
Term
|
APR
|
Payment/$1,000
|
|
New
(1999-2000)
|
12-60 months
|
7.49%
|
$20.03
|
|
Used
(1999-2000)
(1997-1998)
(1995-1996)
|
12-60 months
12-48 months
12-36 months
|
7.49%
7.49%
7.49%
|
$20.03
$24.17
$31.09
|
Interest Rates and APR are subject to change without
notice. APR is annual percentage rate and is accurate as of the effective date.
Rates shown for minimum loan of $1,000. LTV- loan to value is 75% for secured
loans.
|
Product
|
Term
|
APR
|
Payment/$1,000
|
|
Secured
|
Maximum
36 months
|
9.50%
|
$32.03
|
|
Unsecured
|
Maximum
12 months
|
16.00%
|
$90.73
|
|
Single
Payment Notes
|
Maximum
90 days
|
16.00%
|
Interest
Only
|
|
Overdraft
Protection
|
Maximum
$1,000
|
18.00%
|
$30.00
|
Interest Rates and APR are subject to change without
notice. APR is annual percentage rate and is accurate as of the effective date.
Rate shown for minimum loan $1,000 and maximum of $10,000.
|
Product
|
Term
|
APR
|
Payment/$1,000
|
|
Unsecured
|
Maximum
60 months
|
8.990%
|
$20.75
|
Interest Rates are subject to change without notice.
APR is annual percentage rate and is accurate as of the effective date. A prepayment
penalty will apply if lien is discharged within 36 months of loan. LTV - loan
to value amount for equity loans is 80%.
|
Product
|
Interest
Rate
|
APR
|
Payment/$1,000
|
|
Home
Equity Line
|
Prime minus
.50% for life of the loan
|
6.50%
|
$5.34
|
|
5 YR
Home Equity Loan
|
7.750%
|
7.750%
|
$20.15
|
|
10 YR
Home Equity Loan
|
8.250%
|
8.250%
|
$12.26
|
|
15 YR
Home Equity Loan
|
8.750%
|
8.750%
|
$9.99
|
Interest Rates and APR are subject to change without
notice. APR is annual percentage rate and is accurate as of the effective date.
LTV - loan to value amount for fixed rate mortgages is 97%.
|
Product
|
Interest
Rate
|
Points
|
APR
|
Payment/$1,000
|
|
30 Year
|
7.125%
7.375%
|
1.00
0.00
|
7.256%
7.375%
|
$6.74
$6.91
|
|
20
Year
|
6.875%
7.125%
|
1.00
0.00
|
7.042%
7.125%
|
$7.68
$7.83
|
|
15 Year
|
6.625%
6.875%
|
1.00
0.00
|
6.830%
6.875%
|
$8.78
$8.92
|
|
10 Year
|
6.500%
6.750%
|
1.00
0.00
|
6.786%
6.750%
|
$11.36
$11.48
|
Interest Rates and APR are subject to change without
notice. APR is annual percentage rate and is accurate as of the effective date. These
rates are discounted. The APR is subject to increase after closing. LTV - loan
to value for adjustable rate mortgages is 95%. Conforming loan amounts for a single
family is $252,700, 2-family is $323,400, 3-family is $390,900, 4-family is $485,800.
|
Product
|
Interest
Rate
|
Points
|
APR
|
Payment/$1,000
|
|
1
Year ARM
(2.00 margin)
2/6 caps
|
5.750%
|
0.00
|
5.724%
|
$5.83
|
|
3
Year ARM
(2.00 margin)
2/6 caps
|
6.500%
|
0.00
|
6.571%
|
$6.32
|
|
3/1
ARM Convertible
Transformer Mtg.
(2.50 margin)
3/2/6 caps
|
6.625%
|
0.00
|
6.269%
|
$6.40
|
|
5/1
ARM
Convertible
Transformer Mtg.
(2.50 margin)
3/2/6 caps
|
6.990%
|
0.00
|
6.362%
|
$6.64
|
Interest Rates and APR are subject to change without
notice. APR is annual percentage rate and is accurate as of the effective date.
LTV - loan to value amount for construction to permanent mortgages is 80%.
|
Product
|
Interest
Rate
|
Points
|
APR
|
Payment/$1,000
|
|
30
Year Fixed
|
7.625%
|
0.00
|
7.625%
|
$7.08
|
|
1
Year ARM
(2.00 margin)
2/6 caps
|
5.750%
|
1.00
|
5.816%
|
$5.83
|
|
3
Year ARM
(2.00 margin)
2/6 caps
|
6.500%
|
1.00
|
6.669%
|
$6.32
|
|
3/1
ARM Convertible
(2.50 margin)
3/2/6 caps
|
6.875%
|
0.00
|
6.296%
|
$6.57
|
|
5/1
ARM Convertible
(2.50 margin)
3/2/6 caps
|
7.250%
|
0.00
|
6.407%
|
$6.82
|
Interest Rates and APR are subject to change without
notice. APR is annual percentage rate and is accurate as of the effective date.
LTV - loan to value amount for first time home buyer mortgage is 97%.
|
Product
|
Interest
Rate
|
Points
|
APR
|
Payment/$1,000
|
|
30 Year
Fixed
|
6.750%
6.990%
7.250%
|
2.00
1.00
0.00
|
6.977%
7.119%
7.250%
|
$6.49
$6.64
$6.82
|
|
5/1 ARM
Non-Convertible
(0.00 margin)
3/2/6 caps
|
6.990%
|
0.00
|
6.569%
|
$6.64
|
