Rates

Calculators

Deposit Rates

Rates and Yields as of March 22, 2019

Savings

AccountSavingsChristmas ClubNOW Checking
Interest Rate .07% .50% .05%
Annual Percentage Yield .07% .50% .05%
Minimum Deposit to Open $20.00 $20.00 $20.00

Current rates are subject to change.
The minimum balance required to obtain the advertised APY is the same as the Minimum Deposit to Open the account.

Health Savings

BalanceRateYield
$20.00 - $2,000.00 .25% .25%
$2,001.00 - $10,000.00 .45% .45%
$10,001.00 & 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 earnings on the account.

Certificates of Deposit

Account & TermMinimum DepositInterest RateAPY*
90 Day CD $500.00 .10% .10%
6 Month CD $500.00 .10% .10%
9 Month CD $500.00 .15% .15%
12 Month CD $500.00 2.22% 2.25%
18 Month CD $500.00 .60% .60%
24 Month CD $500.00 1.24% 1.25%
30 Month CD $500.00 2.71% 2.75%
48 Month CD $500.00 1.735%

1.75%

48 Month CD $250,000.00 1.98% 2.00%
60 Month CD $500.00 1.98% 2.00%
60 Month CD $250,000.00 2.22% 2.25%
38-50 Month Principal Plus CD*** $500.00 1.49% 1.50%
51-64 Month Principal Plus CD*** $500.00 1.735% 1.75%
12 Month Traditional IRA $100.00 2.225% 2.25%
12 Month Roth IRA $100.00 2.225% 2.25%
24 Month Traditional IRA $100.00 2.71% 2.75%
24 Month Roth IRA $100.00 2.71% 2.75%

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.

Mortgages

Rates shown are for single family, owner occupied homes in Logan county. Annual Percentage Rate calculated on loan amount of $100,000.

Rates as of March 22, 2019

Fixed Rate

Loan TypeRateAPRPayments per $100,000
10 Year Fixed Rate 4.000% 4.0767% 119 Payments at 1012.45
1 Payment at 1012.70
15 Year Fixed Rate 4.125% 4.1783%

179 Payments at 745.97
1 Payment at 745.29

30 Year Fixed Rate 4.375% 4.4055% 359 Payments at 499.29
1 Payment at 495.78

ARM Rates

Loan TypeRateAPRPointsCapMarginPayments per $100,000
1/1 Year ARM Rates 30 Year 4.000% 4.9468% 0 2/6 2.500  12 Payments at 477.42
347 Payments at 535.26
1 Payment at 539.15
3/1 Year ARM Rates 30 Year 4.125% 5.0130% 0 2/6 2.750 36 Payments at 484.65
323 Payments at 564.84
1 Payment at 546.71
5/1 Year ARM Rates 30 Year 4.250% 5.0647% 0 2/6 3.000 60 Payments at 491.94
299 Payments at 557.64
1 Payment at 556.85
7/1 Year ARM Rates 30 Year 4.375% 5.1069% 0 2/6  3.250 84 Payments at 499.29
275 Payments at 567.58
1 Payment at 569.51

Please contact one of our Loan Officers if you have any questions.

  

Dottie Skidmore

Carol Champion Niki Ropp

 

   

dskidmore@citizensfederalsl.com

cchampion@citizensfederalsl.com nropp@citizensfederalsl.com

 

   

Registration #507722

Registration #507723  Registration #1304158
     

*APR may increase over the life of the loan
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.

 

                   

 

 

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