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Rates

*Current Rates are Subject to Change*
Rates and Yields as of December 1, 2016

 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 stated rate applies to the entire balance.

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
.45%
.45%
30 Month
$500
.65%
.65%
38-50 Month Principal Plus CD***
$500
1.14%
1.15%
51-64 Month Principal Plus CD***
$500
1.24%
1.25%
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 December 1, 2016

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

5 Year Fixed Rate

Rate

APR

Points

3.000

3.3097

1

59 Payments at 1796.87

1 Payment at     1796.82

10 Year Fixed Rate

Rate

APR

Points

3.125

3.3455

1

119 Payments at 971.39

1 Payment at     971.13

15 Year Fixed Rate 

Rate

APR

Points

3.375

3.5681

1

179 Payments at 708.76

1 Payment at      708.67

20 Year Fixed Rate

Rate

APR

Points

3.625

3.7760

1

239 Payments at 586.40

1 Payment at      587.48

30 Year Fixed Rate  

Rate

APR

Points

4.000

4.0265

0

 

359 Payments at 477.42

1 Payment at      474.22

  

1/1 Year ARM Rates  15 Year

Rate APR Points Caps Margin
2.000 3.1125
0
2/6 2.500

* APR may increase over the life of the loan

 

12 Payments at 643.51

167 Payments at 698.85

1 Payment at 698.70

 

1/1 Year ARM Rates 30 Year

Rate APR Points Caps Margin
 2.250  3.1923
0
 2/6  2.500

* APR may increase over the life of the loan

 

12 Payments at 382.25

347 Payments at 433.61

   1  Payment  at 434.40

 

3/1 Year ARM Rates 15 Year

Rate

APR

Points Caps Margin
2.5000 3.3091
0
2/6 3.000

* APR may increase over the life of the loan

36 Payments at 666.79

143 Payments at 715.61

1 Payment at     716.34

 


3/1 Year ARM Rates 30 Year

Rate

APR

Points Caps Margin
 2.750  3.5472
0
 2/6  3.000

*APR may increase over the life of the loan

36 Payments at 408.24

323 Payments at 458.29

     1 Payment at 457.71



5/1 Year ARM Rates 15 Year

Rate

APR

Points Caps Margin
 3.000  3.5594
0
 2/6  3.500

* APR may increase over the life of the loan

60 Payments at 690.58

119 Payments at 732.61

1 Payment at      732.90

 


5/1 Year ARM Rates 30 Year

Rate

APR

Points Caps Margin
3.250 3.9139
0
 2/6 3.500

* APR may increase over the life of the loan

60 Payments at 435.21

299 Payments at 483.81

    1  Payment at 482.56

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. Payments do not include amounts for taxes and insurance premiums, if applicable, the payment obligation will be greater.

 


 

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.  

 

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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