*Current Rates are Subject to Change*
Rates and Yields as of May 24, 2013
Savings_Rates Certificates_Rates Mortgage Loan_Rates
Savings Rates
|
Account Name
|
Interest Rate
|
Annual Percentage Yield
|
Minimum Deposit To Open
|
|
Savings
|
.10% |
.10% |
$20.00 |
|
Christmas Clubs
|
.50% |
.50% |
$20.00 |
|
Now Checking
|
.10% |
.10% |
$20.00 |
The minimum balance required to obtain the advertised APY is the same as the Minimum Deposit to Open the account.
Health Savings Account Rates
|
Balance to Balance
|
Rate
|
Yield
|
|
$20.00 - $2,000.00
|
.2500%
|
.2500%
|
|
$2001.00 - $10,000.00
|
.5000%
|
.5000%
|
|
$10,000.00 - & above
|
.7500%
|
.7500%
|
The minimum balance required to obtain the advertised APY is the same as the Balance to Balance amount.
Your interest rate and annual percentage yield may change at any time.
*Fees could reduce the earnings on the account
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Certificate Rates
| Account Name |
Minimum Deposit |
Interest Rate |
APY* |
| 30-181 Day CD** |
$500 |
.10% |
.10% |
| 6 Month CD |
$500 |
.20% |
.20% |
| 9 Month CD |
$500 |
.25% |
.25% |
| 12 Month |
$500 |
.35% |
.35% |
| 18 Month |
$500 |
.50% |
.50% |
| 24 Month CD |
$500 |
.65% |
.65% |
| 30 Month |
$500 |
.996% |
1.00% |
| 38-50 Month Principal Plus CD*** |
$500 |
1.24% |
1.25% |
| 51-64 Month Principal Plus CD*** |
$500 |
1.49% |
1.50% |
| 12 Month Traditional IRA |
$100 |
.50% |
.50% |
| 12 Month Roth IRA |
$100 |
.50% |
.50% |
| 24 Month Traditional IRA |
$100
|
.996%
|
1.00% |
| 24 Month Roth IRA |
$100
|
.996%
|
1.00% |
The minimum balance required to obtain the advertised APY is the same as the Minimum Deposit to open the account
*Current Rates are Subject to Change*
* APY means Annual Percentage Yield.Rates are subject to change without notice.Rates are fixed for the term of the CDs.There is a substantial penalty for early withdrawal of principal.You must maintain the minimum deposit amount in the account each day to earn the disclosed APY.
** The original term on the short term CDs can be selected by you between the range listed and you will be paid the corresponding rate. After the first term, the account will automatically renew for 90 days and will earn the 90-day CD rate.Interest is paid only at maturity.
*** Deposits in a minimum amount of $100.00 may be added to these accounts without extending the maturity.There is a one time per term option to request a rate change without extending the maturity.
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Mortgage Loan Rates
Single Family Vacation Homes - Owner Occupied
Logan County
"All current rates are subject to change"
Rates as of May 24, 2013
(Annual Percentage Rate calculated on loan amount of $100,000)
|
10 Year Fixed Rate
|
Rate
|
APR
|
Points
|
|
2.750
|
2.9690
|
1
|
|
15 Year Fixed Rate
|
Rate
|
APR
|
Points
|
|
3.000
|
3.0459
|
0
|
|
|
20 Year Fixed Rate
|
Rate
|
APR
|
Points
|
|
N/A
|
N/A
|
N/A
|
|
30 Year Fixed Rate
|
Rate
|
APR
|
Points
|
|
3.750
|
3.7761
|
0
|
|
1/1 Year ARM Rates - 1-15 Year
| Rate |
APR |
Points |
Caps |
Margin |
| 2.000 |
2.8975 |
0 |
2/6 |
3.000 |
1/1 Year ARM Rates 16-30 Year
| Rate |
APR |
Points |
Caps |
Margin |
| 2.250 |
2.9620 |
0 |
2/6 |
3.000 |
3/1 Year ARM Rates - 1-15 Year
| Rate |
APR
|
Points |
Caps |
Margin |
| 2.5000 |
3.0008 |
0 |
2/6 |
3.250 |
3/1 Year ARM Rates - 16-30 Year
| Rate |
APR
|
Points |
Caps |
Margin |
| 2.750 |
3.1599 |
0 |
2/6 |
3.250 |
5/1 Year ARM Rates - 1-15 Year
| Rate |
APR
|
Points |
Caps |
Margin |
| 3.000 |
3.2458 |
0 |
2/6 |
3.500 |
5/1 Year ARM Rates - 16-30 Year
| Rate |
APR
|
Points |
Caps |
Margin |
| 3.250 |
3.4321 |
0 |
2/6 |
3.500 |
Home Equity Line of Credit
| Year Type |
Minimum |
Maximum |
Closing Costs |
Rate |
APR |
| 7 Yr. Fixed |
$5,000 |
$100,000 |
Maximum $400.00 |
5.750 |
5.750 |
| 15 Yr. Adjustable * |
$5,000 |
$100,000 |
No Closing Costs |
4.250 |
4.250 |
* Annual percentage rate may vary. Rate is determined by adding 1% to the Prime Rate and may adjust each quarter. The Maximum rate is 18%
EQUAL MONTHLY PAYMENT PER $1,000
Loan Term
| RATE |
15 yrs |
20 yrs |
30 yrs |
| 3.000 |
6.91 |
5.55 |
4.22 |
| 3.250 |
7.03 |
5.67 |
4.35 |
| 3.500 |
7.15 |
5.80 |
4.49 |
| 3.750 |
7.27 |
5.93 |
4.63 |
| 4.000 |
7.40 |
6.06 |
4.77 |
| 4.125 |
7.46 |
6.13 |
4.85 |
| 4.250 |
7.52 |
6.19 |
4.92 |
| 4.375 |
7.59 |
6.26 |
4.99 |
| 4.500 |
7.65 |
6.33 |
5.07 |
| 4.625 |
7.71 |
6.39 |
5.14 |
| 4.750 |
7.78 |
6.46 |
5.22 |
| 4.875 |
7.84 |
6.53 |
5.29 |
| 5.000 |
7.91 |
6.60 |
5.37 |
| 5.125 |
7.98 |
6.67 |
5.45 |
| 5.280 |
8.04 |
6.74 |
5.53 |
| 5.375 |
8.11 |
6.81 |
5.60 |
| 5.500 |
8.18 |
6.88 |
5.68 |
| 5.625 |
8.24 |
6.95 |
5.76 |
| 5.750 |
8.31 |
7.03 |
5.84 |
| 5.875 |
8.38 |
7.10 |
5.92 |
| 6.000 |
8.44 |
7.17 |
6.00 |
| 6.125 |
8.51 |
7.24 |
6.08 |
| 6.250 |
8.58 |
7.31 |
6.16 |
| 6.375 |
8.65 |
7.39 |
6.24 |
| 6.500 |
8.72 |
7.46 |
6.33 |
| 6.625 |
8.78 |
7.53 |
6.41 |
| 6.750 |
8.85 |
7.61 |
6.49 |
| 6.875 |
8.92 |
7.68 |
6.57 |
| 7.000 |
8.99 |
8.68 |
7.69 |
| 7.125 |
9.06 |
7.83 |
6.74 |
| 7.250 |
9.13 |
7.91 |
6.83 |
| 7.375 |
9.28 |
8.06 |
7.00 |
| 7.625 |
9.35 |
8.14 |
7.08 |
| 7.750 |
9.42 |
8.21 |
7.17 |
| 7.875 |
9.49 |
8.29 |
7.26 |
| 8.000 |
9.56 |
8.37 |
7.34 |
| 8.125 |
9.63 |
8.45 |
7.43 |
| 8.250 |
9.71 |
8.53 |
7.72 |
| 8.375 |
9.78 |
8.60 |
7.61 |
| 8.500 |
9.85 |
8.68 |
7.69 |
* For full details on our Home Equity Loans contact one of our loan officers at 937-593-0015 or e-mail us.
All Loan Rates are subject to change. For our current rates, please call one of our loan officers at 937-593-0015 or e-mail us.
*APR on fixed rate loans are calculated on 15 and 30 years. ARMS are calculated on 30 years. The loan amount is $100,000, 80% Loan to Value and does not reflect any remaining days of interest.
ALL OF THE ABOVE RESIDENTIAL LOANS, WITH LESS THAN 20% DOWN, MAY REQUIRE PRIVATE MORTGAGE INSURANCE (PMI.)
Additional loan programs are available for investors, vacant ground, lots, construction-permanent financing, second mortgages, home improvements, and condominiums. Come see us at Citizens Federal Savings & Loan for your mortgage needs.
Citizens Federal Savings & Loan takes pride in the service we provide for our current and future customers.
If you have any questions about the types of Mortgage Loans, interest rates, closing costs, or want to apply for a loan or make an appointment, please contact one of the following loan officers at 937-593-0015 or e-mail one of them today.
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