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Rates

*Current Rates are Subject to Change*
Rates and Yields as of October 28, 2014

 Savings_Rates    Certificates_Rates     Mortgage Loan_Rates

Savings Rates

 

Account Name

Interest Rate

Annual Percentage Yield

Minimum Deposit To Open

Savings

.07%
.07%
$20.00

Christmas Clubs

.50%
.50%
$20.00

Now Checking

.05%
.05%
$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

.25% 
.25% 

$2001.00 - $10,000.00

.45% 
.45%

$10,000.00 - & above

.60%
.60%

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
.15%
.15%
9 Month CD
$500
.20%
.20%
12 Month
$500
.25%
.25%
18 Month
$500
.35%
.35%
24 Month CD
$500
.55%
.55%
30 Month
$500
.75%
.75%
38-50 Month Principal Plus CD***
$500
1.19%
1.20%
51-64 Month Principal Plus CD***
$500
1.39%
1.40%
12 Month Traditional IRA
$100
.45%
.45%
12 Month Roth IRA
$100
.45%
.45%
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 October 16, 2014

 (Annual Percentage Rate calculated on loan amount of $100,000)

5 Year Fixed Rate

Rate

APR

Points

2.500

2.8251

1

59 Payments at 1774.74

1 Payment at     1774.48

10 Year Fixed Rate

Rate

APR

Points

2.625

2.8435

1

119 Payments at 948.39

1 Payment at     948.91

15 Year Fixed Rate 

Rate

APR

Points

3.000

3.0459

0

179 Payments at 690.58

1 Payment at      690.94

30 Year Fixed Rate  

Rate

APR

Points

3.875

3.9013

0

 

359 Payments at 470.24

1 Payment at      468.36

  

1/1 Year ARM Rates  15 Year

Rate APR Points Caps Margin
2.000 2.8975
0
2/6 3.000

 

12 Payments at 643.51

167 Payments at 687.56

1 Payment at 686.81

1/1 Year ARM Rates 30 Year

Rate APR Points Caps Margin
 2.250  2.9620
0
 2/6  3.000

 

12 Payments at 382.25

347 Payments at 420.43

   1  Payment  at 418.63

3/1 Year ARM Rates 15 Year

Rate

APR

Points Caps Margin
2.5000 3.0008
0
2/6 3.250

36 Payments at 666.79

143 Payments at 695.83

1 Payment at 695.70


3/1 Year ARM Rates 30 Year

Rate

APR

Points Caps Margin
 2.750  3.1599
0
 2/6  3.250

36 Payments at 408.24

323 Payments at 432.86

     1 Payment  at 433.86



5/1 Year ARM Rates 15 Year

Rate

APR

Points Caps Margin
 3.000  3.2458
0
 2/6  3.500

60 Payments at 690.58

119 Payments at 707.21

1 Payment at 707.36


5/1 Year ARM Rates 30 Year

Rate

APR

Points Caps Margin
3.250 3.4321
0
 2/6 3.500

60 Payments at 435.21

299 Payments at 447.09

    1  Payment at 446.77

The Annual Percentage Rate (APR) disclosed above are based on a loan amount of $100,000.00, and at least 20% down payment.  Mortgage Insurance may be required for loans that have less than 20% down which will increase the APR and result in a higher loan payment.  Interest rates and fees are subject to change without notice.


WE NOW HAVE A NEW HOME EQUITY LINE OF CREDIT!

We have a new Home Equity Line Of Credit on your owner occupied property.  We can go up to 80% of the appraisal value or the maximum of $100,000.00.  The account has a 5 year draw period during which you only have to pay the interest on the money you have used.  At the end of the 5 years, the Equity Line will go into a 10 year repayment period.  Please call us at 937-593-0015 to find out about our different rate options. 

 


*  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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