|
Checking & Savings Accounts
Effective as of December 1, 2009
|
|
Account Type
|
Interest Rate
|
APY *
|
|
Consumer Savings Account - $100 opening balance
|
.35
|
.35
|
|
Commercial Savings Account - $100 opening balance
|
.35
|
.35
|
|
Consumer Super Now Checking - $1,000 opening balance
|
.20
|
.20
|
|
Commercial Super Now Checking - $1,000 opening balance
|
.20
|
.20
|
|
Consumer Money Market Checking - $1,000 opening balance
|
.35
|
.35
|
|
Commercial Money Market Checking - $1,000 opening balance
|
.35
|
.35
|
|
First Choice Checking - $100 opening balance
|
3.87
|
3.94
|
|
Money Market - Repurchase Agreement **
|
.05
|
.05
|
|
Fees may reduce earnings on these accounts.
Rates may change after the account is opened, and are subject to change without notice.
* APY = Annual Percentage Yield
** Not FDIC Insured
|
$3,000 - $24,999 Certificates of Deposit
Effective as of December 1, 2009
Higher rates available for larger deposits.
|
|
Term/Period
|
Interest Rate
|
APY *
|
|
3 Months
|
0.65
|
0.65
|
|
6 Months
|
0.90
|
0.90
|
|
12 Months
|
1.25
|
1.26
|
|
24 Months
|
1.80
|
1.81
|
|
36 Months
|
2.00
|
2.01
|
|
48 Months
|
2.20
|
2.22
|
|
60 Months
|
2.30
|
2.32
|
|
Rates are subject to change without notice.
* APY = Annual Percentage Yield - Calculated on a quarterly compounding basis for terms equal to or greater than 12 months and simple for lesser terms.
*** An early withdrawal penalty may be imposed. Early withdrawal fees could result in a reduction in earnings and/or principal.
Please contact us for rates on deposits greater than $95,000 and for IRA variable rate investments.
|
Wall Street Journal Prime
Effective as of December 1, 2009
|
|
|
3.25%
|
|
|
|
Home Equity Loan
Effective as of December 1, 2009
|
|
Months
|
0-24
|
25-48
|
49-60
|
60-180
|
181-240
|
|
LTV
|
|
|
|
|
|
|
70%
|
6.99 APR*
|
7.49 APR*
|
7.49 APR*
|
7.49 APR*
|
7.99 APR*
|
|
80%
|
7.49 APR*
|
7.99 APR*
|
7.99 APR*
|
7.99 APR*
|
8.49 APR*
|
|
90%
|
7.99 APR*
|
8.49 APR*
|
8.49 APR*
|
8.49 APR*
|
8.99 APR*
|
|
100%
|
8.49 APR*
|
8.99 APR*
|
8.99 APR*
|
8.99 APR*
|
9.49 APR*
|
*Rate can vary depending on credit quality and does not include other cost such as fees
Rate assumes FSB Checking account and autopayment, add .5% for non-checking customers
|
Home Equity Line of Credit
Effective as of December 1, 2009
|
|
LTV
|
Variable Rate
|
Current Rate
|
|
70%
|
WSJ Prime
|
5.00 APR*
|
|
80%
|
WSJP +1%
|
6.00 APR*
|
|
90%
|
WSJP +1%
|
6.00 APR*
|
|
100%
|
WSJP +2%
|
7.00APR*
|
*Rate can vary depending on credit quality and does not include other cost such as fees. Rate will vary for life of loan based on the Wall Street Journal Prime Rate.
Rate assumes FSB Checking account and autopayment, add .5% for non-checking customers
|
Auto Loan
Effective as of December 1, 2009
|
|
Months
|
0-24
|
25-48
|
49-60
|
|
Amount
|
|
|
|
|
$5,001 - $10,000
|
7.49 APR*
|
7.49 APR*
|
7.99 APR*
|
|
$10,001 - $20,000
|
6.99 APR*
|
7.24 APR*
|
7.49 APR*
|
|
$20,001 - $50,000
|
6.99 APR*
|
7.24 APR*
|
7.99 APR*
|
*Rate can vary depending on credit quality and does not include other cost such as fees
Rate assumes FSB Checking account and autopayment, add .5% for non-checking customers
See your banker for rates on car loans over $50,000
|
Personal Line of Credit
Effective as of December 1, 2009
|
|
Base Rate
|
9.25 APR*
|
|
|
|
|
*Rate can vary depending on credit quality and does not include other cost such as fees
|
For more information regarding these accounts, contact
us at 913-371-1242.
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EHL