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Current RatesMortgage Loan RatesRates Effective as of 02/01/2012
Fixed Rate
Mortgage Program
|
Term |
Rate |
Pts |
APR |
Estimated Monthly
Payment Per $1000 Borrowed |
| Primary Residence (90% LTV) |
15 Year
15 Year
15 Year
|
3.375%
3.250%
3.125%
|
0.0
1.0
2.0
|
3.44%
3.46%
3.49%
|
7.09
7.03
6.97
|
20 Year
20 Year
20 Year
|
4.000%
3.875%
3.625%
|
0.0
1.0
2.0
|
4.05%
4.04%
3.91%
|
6.06
5.99
5.86
|
30 Year
30 Year
30 Year
|
4.125%
4.000%
3.750%
|
0.0
1.0
2.0
|
4.16%
4.12%
3.96%
|
4.85
4.77
4.63
|
| Adjustable
Rate Mortgage | Term | Rate | APR | Points |
Estimated Monthly
Payment Per $1000 Borrowed |
Primary Residence
(Fixed for 1 year)
(Fixed for 3 years)
(Fixed for 5 years) | 30 Year
30 Year
30 Year
|
6.75%
7.24%
9.24%
|
6.90%
7.39%
9.41%
1
1
1
|
6.49
6.81
8.22
|
|
| Rental Property - Call For Rates |
-
|
-
|
-
|
-
|
-
|
| Commercial - Call For Rates |
-
|
-
|
-
|
-
|
-
|
Vacant Land (75% LTV)
(Fixed for 1 year) (Fixed for 3 years) (Fixed for 5 years) |
10 Year
10 Year
10 Year
|
6.75%
7.24%
9.24%
|
6.90%
7.39%
9.41%
|
1
1
1
|
11.48
11.73
12.80
|
Home Equity Loans & Lines of CreditRates Effective as of 01/12/2012
| Type |
Term |
Rate |
APR |
Estimated Monthly
Payment Per $1000 Borrowed |
Home Equity Loan
(fixed for 5 years)
(fixed for 10 years)
(fixed for 15 years)
|
5 Year
10 Year
15 Year
|
9.99%
10.79%
10.99%
|
12.615%
12.343%
12.198%
|
21.24
13.66
11.36
|
Adjustable Rate
Home Equity Loan
(3 Year Adjustable)
(5 Year Adjustable)
|
15 Year
15 Year
|
8.99%
10.99% |
10.105%
12.198% |
31.80
21.74
|
Adjustable Rate
Home Equity Line of Credit |
10 Year
|
5.000%
|
5.69%
|
10.61
|
Commercial LendingRates Effective as of 12/16/2008
Wall Street Journal Prime Rate: The Base Rate on Corporate Loans Posted by at least 75% of the Nations 30 Largest Banks. Most Commercial Loans are based on WSJ Prime Rate plus an incremental interest percentage based upon credit decision. | 3.25% |
Auto Loan RatesRates Effective as of 01/12/2012
| Automobile |
Term |
Rate |
APR |
Estimated Monthly
Payment Per
$1000 Borrowed |
New (80% LTV) |
36 months
48 months
60 months
|
9.25%
9.50%
10.00%
|
9.25%
9.50%
10.00%
|
31.92
25.12
21.25
|
Used
Black Book Loan Value
Black Book Loan Value
Black Book Loan Value |
1-2 years old
3-4 years old
5 years old
|
12.00%
13.00%
13.50%
|
12.00%
13.00%
13.50%
|
33.21
26.83
23.07
|
| Loans Secured By Deposit Accounts / Share Loans |
Loans against Savings Accounts and Certificates
of Deposit are made at 2% above the deposit interest rate. |
Call our LEND LINE at 410-392-LEND for related fees and charges.
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE ON ALL LOAN TYPES
Savings RatesRates Effective as of 01/12/2012
| Description |
Interest |
APY** |
|
91 Day CD2,6 |
0.35% |
0.35% |
|
6-month CD2,6 |
0.50% |
0.50% |
|
9-month CD2,6 |
0.60% |
0.60% |
|
1-year CD2,6 |
0.75% |
0.75% |
|
1-year Access CD4 |
0.50% |
0.50% |
|
1 1/2-year CD2,6 |
1.09% |
1.10% |
|
2-year CD2,6 |
1.24% |
1.25% |
|
2 1/2-year CD2,6 |
1.49% |
1.50% |
|
5-year CD2,6 |
2.13% |
2.15% |
|
IRA(18-month term/$100 min.)2,6 |
1.09% |
1.10% |
|
IRA(60-month term/$100 min.)2,6 |
2.13% |
2.15% |
|
Passbook Savings3 |
0.25% |
0.25% |
|
Statement Savings4 |
0.25% |
0.25% |
|
Holiday Savings Account5,6 |
0.75% |
0.75% |
|
NOW Checking4,6 |
0.10% |
0.10% |
|
NOW High Yield Checking4,6 |
0.75% |
0.75% |
|
*NEW* Silver & Gold Checking4,6 |
0.25% |
0.25% |
|
|
Money Market 4,6
Under $2,500
$2,500 and over
|
0.10%
0.30%
|
0.10%
0.30%
|
Jumbo Money Market4,6
Under $2,500
$2,500 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 - $499,999.99
Over $500,000.00
|
0.10%
0.30%
0.60%
1.00%
1.24%
|
0.10%
0.30%
0.60%
1.01%
1.25%
|
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE ON ALL DEPOSIT TYPES
*APR refers to Annual Percentage Rate based on simple interest.
**APY refers to Annual Percentage Yield based on simple interest.
1 - Rate Changes first of each month. The account will pay interest based on the 6 month Treasury Bill as of the last auction day of the month plus a margin of 35 basis points. The yield quoted at the first on every month will remain for the remainder of that month.
2 - Interest will be compounded daily and will be credited monthly. A penalty may be imposed for withdrawals before maturity. Interest can be withdrawn any time during the term of crediting after it is credited to the account.
3 - Interest will be compounded daily and will be credited quarterly. Interest can be withdrawn any time during the term of crediting after it is credited to the account.
4 - Interest will be compounded daily and will be credited monthly. Interest can be withdrawn any time during the term of crediting after it is credited to the account.
5 - Interest will be compounded and credited annually. Interest can be withdrawn any time during the term of crediting after it is credited to the account.
6 - Fees could reduce earning on account.

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