|
Current Rates
Investment
and Loan Rates
|
| Certificate,
IRA, and Account Rates |
| (Effective 10-16-01) |
Minimum |
Dividend
Rate |
APY |
| 6
month certificate |
$10,000.00 |
3.40% |
3.45% |
| 1
year certificate |
$10,000.00 |
3.50% |
3.56% |
| 18
month certificate |
$2,500.00 |
3.50% |
3.56% |
| 2
year certificate |
$2,500.00 |
3.70% |
3.76% |
| 3
year certificate |
$2,500.00 |
3.80% |
3.87% |
| 4
year certificate |
$2,500.00 |
4.00% |
4.07% |
| 5
year certificate |
$2,500.00 |
4.50% |
4.59% |
| IRA
18 month certificate |
$50.00 |
3.70% |
3.75% |
| Passbook
Savings |
$25.00 |
3.00% |
3.03% |
| Share
Draft Account |
$100.00 |
2.00% |
2.02% |
| Savings
Plus Account |
by quote |
| * Rates
subject to change. Substantial penalty for early withdrawal
on Share Certificates. APY - Annual Percentage yield. |
|
| Loan
Rates |
| (Effective 10-16-01) |
Term |
APR |
| Primary/Secondary
Real Estate |
|
|
Residential
Real Estate
(fixed rate) |
15
year 25% downpayment |
6.900% |
Residential
Real Estate
(1 Year ARM - 25 Year Term) |
20% downpayment
|
5.375% |
Residential
Real Estate
(3/1 ARM - 25 Year Term) |
20% downpayment
|
5.875% |
Residential
Real Estate
(5/1 ARM - 25 Year Term) |
20% downpayment
|
6.375% |
1st
Time Home Buyer
(3/1 ARM - 25 Year Term) |
10% downpayment
|
6.375% |
| Construction |
30%
downpayment |
8.750% |
| Agricultural
Loans |
|
|
| Agricultural
Real Estate (fixed) |
15
year 65% L.T.V. |
7.600% |
Agricultural
Real Estate
(5/1 ARM - 20 Year Term) |
65% L.T.V.
|
6.375% |
| Farm
Equipment |
7 yr. maximum 65% L.T.V.
|
7.900% |
| Farm
Operation Line of Credit |
1 yr. maximum 60% L.T.V.
|
7.900% |
| Commercial
Loans |
|
|
| Commercial
(fixed) |
15
year 70% L.T.V. |
8.000% |
| Commercial
(fixed) |
2-7
years 70% L.T.V. |
8.000% |
Commercial
(3/1 ARM - 20 Year Term) |
70% L.T.V. |
7.125% |
| Commercial
Line of Credit |
1
year 70% L.T.V. |
8.000% |
| Rental/Investment
Properties |
|
|
| Investment
Properties (fixed) |
12
year 70% L.T.V. |
8.500% |
Investment
Properties
(3/1 ARM - 15 Year Term) |
15
year amortization 70% L.T.V. |
7.125% |
| Other
Loans |
|
|
| Unsecured
Signature/Co-Signature |
by
quote |
|
| Second
Mortgage (Primary) |
10
year |
+1%
over
current 1st mortgage rate |
| Home
Equity Line of Credit |
Variable Rate, 5 Year Term |
6.750% |
| New
and Used Auto Loans |
by
quote |
|
| * Rates subject to change without notice. APR - Annual Percentage Rate. The Interest Rates for Adjustable Rate Mortgage (ARM) may increase after consummation. LTV
- Loan to Value |
|
