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Current RatesMortgage Loan RatesRates Effective as of 06/01/2008
Fixed Rate
Mortgage Program
|
Term |
Rate |
Pts |
APR* |
| Primary Residence (95% LTV) |
15 Year
15 Year
15 Year
|
6.375%
6.125%
5.875%
|
0.0
1.0
2.0
|
6.45%
6.36%
6.27%
|
20 Year
20 Year
20 Year
|
6.750%
6.500%
6.250%
|
0.0
1.0
2.0
|
6.81%
6.69%
6.57%
|
30 Year
30 Year
30 Year
|
6.750%
6.500%
6.375%
|
0.0
1.0
2.0
|
7.00%
6.64%
6.42%
|
40 Year
40 Year
40 Year
|
7.250%
7.000%
6.625%
|
0.0
1.0
2.0 |
7.29%
7.13%
6.83%
|
| Adjustable
Rate Mortgage | Term | Rate | APR | Points |
Primary Residence
(Fixed for 1 year)
(Fixed for 3 years)
(Fixed for 5 years) | 30 Year
30 Year
30 Year |
6.50%
6.99%
8.99%
|
6.64%
7.14%
9.16%
1
1
1
|
|
Primary Residence
(Fixed for 1 year)
(Fixed for 3 years)
(Fixed for 5 years) | 40 Year
40 Year
40 Year |
6.50%
6.99%
8.99%
|
6.62%
7.12%
9.14%
1
1
1
|
|
| 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
|
6.50%
6.99%
8.99%
|
6.64%
7.14%
9.16%
|
1
1
1
|
Home Equity Loans & Lines of CreditRates Effective as of 06/01/2008
| Type |
Term |
Rate |
APR |
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% |
9.99%
10.79%
10.99% |
Adjustable Rate
Home Equity Loan
(3 Year Adjustable)
(5 Year Adjustable)
|
15 Year
15 Year |
8.99%
10.99% |
8.99%
10.99% |
Adjustable Rate
Home Equity Line of Credit |
10 Year |
6.250% |
6.250% |
Commercial LendingRates Effective as of 4/30/2008
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. | 5.00% |
Auto Loan RatesRates Effective as of 06/01/2008
| Automobile |
Term |
Rate |
APR |
New (80% LTV) |
36 months
48 months
60 months
|
9.25%
9.50%
10.00%
|
9.25%
9.50%
10.00%
|
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%
|
| 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 06/01/2008
| Description |
Interest |
APY** |
|
91 Day CD2,6 |
.85% |
.85% |
|
6-month CD2,6 |
2.55% |
2.58% |
|
9-month CD2,6 |
2.71% |
2.74% |
|
1-year CD2,6 |
2.71% |
2.74% |
|
1-year Access CD4 |
1.00% |
1.01% |
|
1 1/2-year CD2,6 |
2.71% |
2.74% |
|
2-year CD2,6 |
2.71% |
2.74% |
|
2 1/2-year CD2,6 |
2.71% |
2.74% |
|
5-year CD2,6 |
3.25% |
3.29% |
|
Treasury Saver 14 Month1, 2,6 |
2.27% |
2.29% |
|
IRA(18-month term/$100 min.)2,6 |
2.71% |
2.74% |
|
IRA(60-month term/$100 min.)2,6 |
3.25% |
3.29% |
|
Passbook Savings3 |
.75% |
.75% |
|
Statement Savings4 |
.75% |
.75% |
|
Holiday Savings Account5,6 |
1.75% |
1.75% |
|
NOW Checking4,6 |
0.35% |
0.35% |
|
NOW High Yield Checking4,6 |
2.96% |
3.00% |
|
*NEW* Silver & Gold Checking4,6 |
1.00% |
1.01% |
|
|
Money Market 4,6
Under $2,500
$2,500 and over
|
0.35%
0.75%
|
0.35%
0.75%
|
Jumbo Money Market4,6
Under $2,500
$2,500 - $49,999.99
$50,000.00 - $99,999.99
$100,000.00 - $249,999.99
Over $250,000.00
|
0.35%
1.00%
1.25%
1.75%
2.50%
|
0.35%
1.00%
1.25%
1.75%
2.50%
|
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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