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 Current Rates
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Current Rates
Certificates of Deposit | Checking Accounts | Savings Accounts
IRAs | Loans
| | | | | 6 months | 2.45% | 2.50% | $500 | | | 9 Months | 2.54% | 2.60% | $1,000 | | | 1 year | 2.93% | 3.00% | $1,000 | | | 13 Months | 3.17% | 3.25% | $1,000 | | | 18 months | 3.22% | 3.30% | $1,000 | | | 2 years | 3.31% | 3.40% | $1,000 | | | 30 months | 3.41% | 3.50% | $1,000 | | | 3 years | 3.50% | 3.60% | $1,000 | | | 4 years | 3.55% | 3.65% | $1,000 | | | 5 years | 3.89% | 4.00% | $1,000 | | |
Rates are effective as of Wednesday, December 31, 2008.
Interest rates are subject to change at any time without notice.
Substantial penalties for early withdrawals on all certificate accounts.
Annual Percentage Yield assumes interest remains on deposit until maturity. |
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| | | | | Basic NOW | 0.40% | 0.40% | $250 | | | | 0.25% | 0.25% | Below $250 | | | Premium NOW | 0.60% | 0.60% | $1,000 | | | | 0.25% | 0.25% | Below $1,000 | | | Free NOW | 0.15% | 0.15% | None | | |
Rates are effective as of Wednesday, December 31, 2008.
All NOW checking accounts require a minimum deposit of $50.00.
Interest rates are subject to change at any time without notice. |
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SAVINGS ACCOUNTS
| | | | | Passbook Savings | 0.64% | 0.65% | $25 | | | Super Passbook | 1.00% | 1.00% | $2,500 | | | Christmas Club | 0.00% | 0.00% | None | | |
Rates are effective as of Wednesday, December 31, 2008.
Interest rates are subject to change at any time without notice. |
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| | | | | Premier Statement
Savings | 0.50% | 0.50% | Less than $10,000 | | | | 1.98% | 2.00% | $10,000 - $49,999 | | | | 2.96% | 3.00% | $50,000 - $99,999 | | | | 3.45% | 3.50% | $100,000 and up | | |
Rates are effective as of Wednesday, December 31, 2008.
Minimum deposit to open an account is $25. Interest rates are subject to change at any time without notice. |
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| | | | | 18 Month Variable | 2.92% | 3.00% | $50 | | | 1 Year | 2.92% | 3.00% | $50 | | | 2 Years | 3.30% | 3.40% | $50 | | | 3 Years | 3.49% | 3.60% | $50 | | |
Rates are effective as of Wednesday, December 31, 2008.
Interest rates are subject to change at any time without notice. |
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LOANS
| | | | | 30 Year Fixed | 6.125% | 6.235% | $995 | | | 20 Year Fixed | 5.875% | 5.965% | $995 | | | 15 Year Fixed | 5.75% | 5.845% | $995 | | | 10 Year Fixed | 5.50% | 5.685% | $995 | | | 7/23 | 5.75% | 5.93% | $995 | | | 5-1 ARM | 5.75% | 6.25% | $995 | | | 3 Year ARM | 5.50% | 6.79% | $995 | | | 1 Year ARM | 5.250% | 6.769% | $995 | | |
Rates are effective as of Wednesday, December 31, 2008.
Interest rates are subject to change at any time without notice. |
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Investment Property (1-4 Family Property)
CURRENTLY NOT AVAILABLE |
| | | | | 20 Year Fixed | NA | NA | $1,100 | | | 15 Year Fixed | NA | NA | $1,100 | | | 20/30 Balloon | NA | NA | $1,100 | | | 3 Year ARM | NA | NA | $1,100 | | | 1 Year ARM | NA | NA | $1,100 | | |
Rates are effective as of Wednesday, December 31, 2008.
Investment Loans are currently not available. Interest rates are subject to change at any time without notice. |
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| | | | | 15 Year Fixed | 6.75% | 6.93% | $50 | | | 10 Year Fixed | 6.50% | 6.63% | $50 | | | 5 Year Fixed | 6.25% | 6.44% | $50 | | |
Rates are effective as of Wednesday, December 31, 2008.
Interest rates are subject to change at any time without notice. |
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Home Equity Line of Credit
The APR is the PRIME RATE, plus a margin. The margin is based on the credit line and loan-to-value ratio.
- If the credit line is $0-$24,999, the margin is 0.50%
- If the credit line is $25,000-49,999, the margin is 0.25%
- If the credit line is $50,000 or greater, the margin is 0.00%
If your loan-to-value ratio (1st & 2nd mortgages) is greater than 80%, then add 1.50% to the PRIME RATE and margin.
Example: Your home is appraised for $150,000. Your first mortgage balance is $100,000, which is 67% of your home’s value. You open a line of credit account for $27,500 to pay for your child’s college tuition. Your interest rate would be the PRIME RATE + .25% + 1.50%. The .25% is based on the line of credit amount and the 1.50% is applicable since your first mortgage plus your line of credit (2nd mortgage) totals $127,500, which is 85% of your home’s value.
The PRIME RATE is currently 3.25%.
This is a variable rate account. The initial APR is discounted; the fully indexed rate will range from the PRIME RATE to the PRIME RATE plus 2.00%. The maximum APR is 18.00% and the annual fee is $30.00.
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Passbook Loans
The interest rate and Annual Percentage Rate will be 3% above the interest rate on the savings or certificate account securing the loan.
Personal Loans
The current interest rate and Annual Percentage Rate are both 9.0%.
The interest rate is based upon qualification.
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Equal Housing Lender. © 2006 Warsaw Federal Savings and Loan
