Checking
APY's are current as of Tuesday, February 14, 2006 and are subject to change without notice.
The rate may change after the account is opened on all checking, savings, and money market accounts. Fees could reduce earnings. A penalty may be imposed for early withdrawal on certificates of deposit. Call SmartVoice at
268-7333 to access rate information by telephone.
Checking Rates
| CHECKING ACCOUNTS | ||||
| Minimum to Open |
Balance Ranges |
Interest Rate |
Annual Percentage Yield (APY) |
|
| Checking | $100 | 0.150% | 0.150% | |
| Platinum Interest | $100 | $0 - $2,499 | 0.250% | 0.250% |
| $2,500 - $9,999 | 0.500% | 0.500% | ||
| $10,000+ | 2.475% | 2.500% | ||
| SAVINGS ACCOUNTS | ||||
| Minimum to Open |
Balance Ranges |
Interest Rate |
Annual Percentage Yield (APY) |
|
| Statement Savings |
$200 | 0.400% | 0.400% | |
| High Interest Statement |
$2,500 | $0 - $24,999 | 0.250% | 0.250% |
| $25,000 - $49,999 | 0.500% | 0.500% | ||
| $50,000-$74,999 | 2.960% | 3.000% | ||
| $75,000+ | 3.740% | 3.800% | ||
| Premier
Statement Savings |
$10,000 | $0 - 9,9999 | 0.500% | 0.500% |
| $10,000+ | 0.750% | 0.750% | ||
| MONEY MARKET ACCOUNTS | ||||
| Minimum to Open |
Balance Ranges |
Interest Rate |
Annual Percentage Yield (APY) |
|
| Money Market Checking |
$2,500 | 1.000% | 1.000% | |
| Superior Money Market |
$5,000 | $0 - $4,999 | 1.000% | 1.000% |
| $5,000 - $49,999 | 1.490% | 1.500% | ||
| $50,000+ | 2.960% | 3.000% | ||
| CERTIFICATES OF DEPOSIT | |||
| Minimum to Open and Obtain APY |
Interest Rate |
Annual Percentage Yield (APY) |
|
| 91 Day CD | $2,500 | 2.235% | 2.250% |
| 182 Day CD | $2,500 | 2.485% | 2.500% |
| 1 Year CD | $1,000 | 3.215% | 3.250% |
| 18 Month CD | $1,000 | 3.215% | 3.250% |
| 2 Year CD | $1,000 | 3.460% | 3.500% |
| 3 Year CD | $1,000 | 3.700% | 3.750% |
| 5 Year CD | $1,000 | 4.185% | 4.250% |
| SPECIAL CERTIFICATES OF DEPOSIT | |||
| Minimum to Open and Obtain APY |
Interest Rate |
Annual Percentage Yield (APY) |
|
| 7 Month CD | $500 | 2.740% | 2.750% |
| 11 Month CD | $500 | 4.670% | 4.750% |
| 21 Month CD | $500 | 4.670% | 4.750% |
| 37 Month CD | $500 | 4.670% | 4.750% |
| 42 Month Callable | $5,000 | 4.910% | 5.000% |
| IRA CERTIFICATES OF DEPOSIT | |||
| Minimum to Open and Obtain APY |
Interest Rate |
Annual Percentage Yield (APY) |
|
| 11 Month | $500 | see CD rates % | see CD rates % |
| 1,2,3,5 Year Fixed | $500 | see CD rates % | see CD rates % |
| 21 Month CD | $500 | see CD rates % | see CD rates % |
| 37 Month CD | $500 | see CD rates % | see CD rates % |
Mortgage Loan Rates As Of 02/14/2006 10:15 AM
RATES AND FEES ARE SUBJECT TO CHANGE WITHOUT NOTICE
Adjustable Rate Mortgages
Government
| Type | Rate | Origination Fee | APR* |
| $60,000 - $172,632 - Maximum LTV 97% | |||
| 1 Year FHA | 5.500% | 0.500 | 7.6851% |
| For Example: Based on 20% down payment with 0.500% origination fees, a $118,061 loan would require monthly payments of $734.31 until 2006 at a note rate of 5.500% The resulting APR is 7.6851% | |||
| 3/1 FHA | 5.875% | 0.500 | 7.7094% |
| For Example: Based on 20% down payment with 0.500% origination fees, a $118,061 loan would require monthly payments of $763.00 until 2008 at a note rate of 5.875% The resulting APR is 7.7094% | |||
| 5/1 FHA | 6.000% | 0.500 | 7.7094% |
| For Example: Based on 20% down payment with 0.500% origination fees, a $118,061 loan would require monthly payments of $772.68 until 2010 at a note rate of 6.000% The resulting APR is 7.5850% | |||
| 2.25% Margin/2% Annual Cap/11.5% Lifetime Cap |
Government Loans
FHA Fixed
| Type | Rate | Origination Fee | APR* |
| $60,000 - $172,632 | |||
| 30 Year | 6.125% | 0.000 | 6.8736% |
| Type | Rate | Origination Fee | APR* |
| $60,000 - $172,632 | |||
| 15 Year | 6.000% | 0.000 | 6.7467% |
VA Fixed Rate Loans
Add 0.25% to FHA Origination Fees
*APR = Annual Percentage Rate
