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Current Rates:
Commercial Auto Loans
Consumer Auto Loans
Home Equity Loans
Installment Loans
Savings and COD's
Commercial Auto Loan Rates as
of 3/24/08
| COMMERCIAL AUTO LOANS |
MAXIMUM TERM |
ANNUAL PERCENTAGE RATE |
DOWN PAYMENT |
| Automobile/Vehicle
- New |
24 Months |
7.25% |
10 % |
| 36 Months |
7.25% |
10 % |
| 48 Months |
7.25% |
10 % |
| 60 Months |
7.25% |
10 % |
Automobile/Vehicle - Used
|
UP TO 48 Months |
8.00 % |
10 % |
Rates are subject to change without notice.
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Consumer Auto Loan Rates as
of 3/24/08
| CONSUMER
AUTO LOANS |
MAXIMUM
TERM |
ANNUAL PERCENTAGE RATE |
DOWN
PAYMENT |
| AUTOMOBILE - NEW |
24 Months |
6.00 % |
10 % |
| 36 Months |
6.00 % |
10 % |
| 48 Months |
6.00 % |
10 % |
| 60 Months |
6.00 % |
10 % |
AUTOMOBILE - USED
|
Up To 48 Months |
6.75 % |
10 % |
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Home Equity:
Home Equity Programs
|
Interest Rate
|
Closing Cost |
Equity |
| TERM LOAN
$25000 TO $500000 |
Fixed |
None |
80% Combined
Loan to Value |
| LINE OF CREDIT
$25000 TO $500000 |
Prime minus .50% |
None |
80% Combined
Loan to Value |
Rates are subject to change without notice.
For variable rate accounts, the APR (Annual Percentage Rate) may increase after the loan has closed.
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Installment Loan Rates as
of 3/24/08
CONSUMER
ACCOUNT TYPE |
MAXIMUM
TERM |
ANNUAL
PERCENTAGE RATE
(DEPOSITOR) |
ANNUAL
PERCENTAGE RATE
(NON-DEPOSITOR) |
DOWN
PAYMENT |
| Personal Unsecured |
60 Months |
8.25% |
10.25% |
NA |
| Personal Secured |
60 Months |
4.50% |
NA% |
NA |
Personal
Line of Credit
Unsecured
|
NA |
16.00% |
NA% |
NA |
Rates are subject to change without notice.
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Savings and
Certificate of Deposit Rates as of 5/5/08
| Account Type |
Interest Rate |
Annual Percentage
Yield (APY) |
Opening Deposit |
| Savings Accounts |
| Passbook |
.25% |
.25% |
$500 |
| Statement |
.25% |
.25% |
$500 |
| Silver Savings |
.50% |
.50% |
$2500 |
| Prosperity Savings |
1.24% |
1.25% |
$50000 |
| Transaction Accounts |
| Money Fund Plus Savings |
|
|
|
| Personal |
.25 % |
.25 % |
$2500 |
| Business |
.25 % |
.25 % |
$7500 |
| SuperNow Accounts |
.15 % |
.15 % |
$2500 |
| Money Vest Personal/Business
|
| TIER I |
TIER II |
TIER III |
TIER IV |
| < 2500 |
$ 2500.00 – $14,999.99 |
$15,000.00 - $49,999.99 |
$50,000.00 + |
| 0.25 / 0.25 |
.75/ .75 |
1.25/ 1.24 |
1.40/ 1.39 |
| Certificates
Of Deposit
|
| 7 to 29 Days |
1.50% |
1.50% |
$2500 |
| 30 to 89 Days |
1.75% |
1.75% |
$2500 |
| 3 Months |
1.73% |
1.75% |
$2500 |
| 6 to 11 Months |
2.08% |
2.10% |
$2500 |
| 12 to 23 Months |
2.08% |
2.10% |
$2500 |
| 24 to 59 Months |
2.23% |
2.25% |
$2500 |
| 60 Months |
2.47% |
2.50% |
$2500 |
| All Certificates Of Deposit Of $100,000
And Over Are Quoted Daily On An Individual Basis. |
| Account Type |
Interest Rate |
Annual Percentage
Yield (APY) |
Opening
Deposit |
| IRAS |
| Variable |
.9954% |
1.00% |
$500 |
| 6 to 11 Months |
2.0818% |
2.10% |
$500 |
| 12 to 23 Months |
2.0818% |
2.10% |
$500 |
| 24 to 47 Months |
2.2271% |
2.25% |
$500 |
| 48 to 60 Months |
2.4718% |
2.50% |
$500 |
The Annual Percentage Yield (APY) is as of 5/5/08
Rates are subject to change without notice. For variable
rate accounts, rates
may change after the account is opened and fees may reduce
earnings.
Premature withdrawals of Certificates of Deposit may be subject to a penalty and can only
be made with the consent of the Bank.
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