Interest Checking (NOW)

$500

0.100%

0.10%

Monthly

Passbook, EDISS, IRA

$100

0.150%

0.15%

Quarterly

Choice Account **

$3,000-9,999
$10,000-49,999
$50,000+

0.200%
0.200%
0.200%

0.20%
0.20%
0.20%

Monthly

Individual Retirement Accounts

(IRA) - Variable

$100

0.647%

0.65%

Quarterly

Fees may reduce earnings. 

The minimum initial deposit amounts apply to the following personal accounts: Green Rewards Checking $25, Prestige Checking and Prestige Plus Checking $500, Interest Checking $25, Health Savings Account $25, Choice Checking $3,000, Money Market Savings $2,500, Passbook Savings  $25, Everyday Interest Statement Savings $25, Christmas Club $5, Individual Retirement Accounts $500, Certificates of Deposit $1,000.  List not inclusive of all accounts.  Ask our Customer Service Representatives for more information.

*APY Annual Percentage Yield. 

**Ask about other options not insured by FDIC.

Rates subject to change without notice.

12-23 months

$1,000-9,999
$10,000-24,999
$25,000+

0.544%
0.613%
0.686%

0.55%
0.61%
0.69%

Quarterly

36-47 months

$1,000-9,999
$10,000-24,999
$25,000+

1.077%
1.146%
1.213%

1.08%
1.15%
1.22%

Quarterly

60 months

$1,000-9,999
$10,000-24,999
$25,000+

1.512%
1.586%
1.654%

1.52%
1.60%
1.66%

Quarterly

30 yr. Fixed

4.375%

4.441%

0%

15 yr. Fixed

3.875%

3.989%

0%

MSHDA

5.125%

5.829%

1%

We also offer MSHDA and Rural Development Loans. Contact the Retail Lending Department for more details. Interest rate on construction only loans will float at prime + 0 and be for a six month term. The end loan rate and term may be locked within 30 days of completion of construction. The Annual Percentage Rate (APR) includes: 30 days prepaid interest, closing fee, flood certification, 0.25% market condition fee, courier fees, credit report disclosure, application fee, points listed for each interest rate and all other applicable fees. APR assumes loan amount of $100,000 on all loans except Jumbos which assume $417,000.00 loan. Ask us about our Green loan rates.  All rates subject to change.

$10,000 - $49,999

5 Yr.

6.25%

6.25%

Example: A loan of $10,000 at a fixed rate of 6.25% for 5 years would have an estimated monthly payment of $100.51. This is 1% of the outstanding balance. Other fees may apply. Discounts are not available on the Fixed Home Equity Credit Line Loan. Ask about our Green loan rates. All rates subject to change.

$10,000 - $49,999

5 Yr.

Prime + 1/2%

4.25%

Example: A loan of $10,000 at Prime + ½% margin for 5 years would have an estimated monthly payment of $100.35. This is 1% of the outstanding balance. Prime is currently 3.25%, and we have a floor of 4.25%. Other fees may apply. Ask us about our Green loan rates.  All rates subject to change.

50% Down Payment

60

Prime + 1.0%

5.124%

Example: A loan of $20,000.00 at Prime + 1% for 60 months with a $100.00 fee would have an estimated monthly interest payment only of $77.24. Prime is currently 3.25%, and we have a floor of 5.00%. Other fees may apply. All rates subject to change.

2009-2010

72

6.950%

7.301%

2007

54

7.125%

7.591%

Example: A loan for $10,000 at 7.125% on a 2005 vehicle for 60 months with a $100.00 fee would have an estimated monthly payment of $200.61. Other fees may apply. Ask us about our Green loan rates.  All rates subject to change.

New

180

8.375%

8.459%

Example: A loan for $20,000.00 at 8.375% for 180 months with a $100.00 fee would have an estimated monthly payment of $196.45. Other fees may apply. All rates subject to change.

New

60

8.250%

9.098%

Example: A loan for $5,000.00 at 8.25% for 60 months with a $100.00 fee would have an estimated monthly payment of $104.03. Other fees may apply. All rates subject to change.