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Money Market Accounts
Fees may reduce the earnings on these accounts
$1000 minimum deposit required to open account.
* $10 minimum balance to earn APY.
The rates may change after the account is opened.
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Interest Rate
|
Annual Percentage Yield
|
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* MMA under $1,000
|
0.25
|
0.25
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MMA $1,000 - under $10,000
|
1.00
|
1.01
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MMA $10,000 - Under $50,000
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1.00
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1.01
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MMA $50,000 - Under $100,000
|
1.50
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1.51
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MMA $100,000 and above
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2.50
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2.53
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Checking & Savings
Fees may reduce the earnings on these accounts.
The rate may change after the account is opened.
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Interest Rate
|
Annual Percentage Yield
|
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Now Accounts
($10 minimum balance required to open account and earn APY)
|
0.25
|
0.25
|
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Regular Savings Accounts
($3 minimum balance required to open account and earn APY)
|
1.00
|
1.01
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Individual Retirement Account and Savings Certificate of Deposits
$500 Minimum Deposit Required to open the account and earn APY.
Early withdrawal penalties may be imposed
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Interest Rate
|
Annual Percentage Yield
|
|
CD - 2 month $500 to under $50,000 (60 days)
|
0.50
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0.50
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CD - 2 month $50,000 to under $100,000 (60 days)
|
1.74
|
1.75
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CD - 2 month $100,000 and above (60 days)
|
2.72
|
2.75
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CD - 3 month $500 to under $50,000 (91 days)
|
0.50
|
0.50
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CD - 3 month $50,000 to under $100,000 (91 days)
|
1.74
|
1.75
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CD - 3 month $100,000 and above (91 days)
|
2.72
|
2.75
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CD - 5 month (152 days)
|
3.20
|
3.25
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CD - 6 month (182 days)
|
2.98
|
3.00
|
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CD - 9 month (273 days)
|
2.99
|
3.00
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CD - 11 month (334 days)
|
2.96
|
3.00
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CD - 1 year
|
2.96
|
3.00
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CD - 2 year
|
2.96
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3.00
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CD - 3 year
|
2.96
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3.00
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CD - 4 year
|
2.96
|
3.00
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CD - 5 year
|
2.96
|
3.00
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Country Add-Vantage IRA & CD
$500 Minimum Deposit Required to open the account and earn APY. Early withdrawal penalties may be imposed
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Interest Rate
|
Annual Percentage Yield
|
|
30 Day CD $500 to under $50,000
|
0.50
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0.50
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30 Day CD $50,000 to under $100,000
|
1.74
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1.75
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30 Day CD $100,000 and above
|
2.72
|
2.75
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Business Accounts
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Interest Rate
|
Annual Percentage Yield
|
|
Business NOW Account
|
0.25
|
0.25
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Business Money Market under $1,000
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0.25
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0.25
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Business Money Market $1,000 - under $10,000
|
1.00
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1.01
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Business Money Market $10,000 - under $50,000
|
1.00
|
1.01
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Business Money Market $50,000 - under $100,000
|
1.50
|
1.51
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Business Money Market $100,000 and above
|
2.50
|
2.53
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Loan Rates and Additional Information
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All Annual Percentage Rates (APR) listed above assume a $100,000 mortgage and a 20% downpayment. Private Mortgage Insurance (PMI) required if the downpayment is less than 20%.
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Rates and APR (Annual Percentage Rate) are subject to change based on factors such as points, loan amount, loan-to-value,borrowers credit, property type and occupancy.
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All Loans Subject to Credit Approval.
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Adjustable Rate Mortgages*
Including construction. The initial interest rate may be discounted the first year. The annual percentage rate is subject to increase or decrease after closing. *MAXIMUM INCREASE OR DECREASE 2% AT THE TIME OF ANY REVIEW. LIFETIME CAP AT 6%.
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
1 Year Adj. 0 pts (30 year)
|
3.625
|
4.434
|
$4.57 first year, $5.06 after initial adjustment, $5.06 after second adjustment
|
|
1 Year Adj. Mobile Home with Land (15 years)
|
5.750
|
5.922
|
$8.31
|
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Vacation Home loan rates are .50% higher than the current rates posted for our conventional fixed rates or our adjustable 7/1, 5/1 or 3/1 loans.
Amount borrowed cannot exceed 80% loan to value.
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|
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Building Lot (15 Year 180 Months)
Product: 3/1 Adjustable
|
7.000
|
7.105
|
$8.99
|
|
Raw Land (10 Year 120 Months)
Product: 3/1 Adjustable
|
8.000
|
8.021
|
$12.14
|
|
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|
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Convertible Mortgage/1 Year ARM* (30 year)
(Including Construction) Convertible Mortgage: Option to convert to fixed between 1st and 5th anniversary date at no charge. Call Bank for details. MAXIMUM INCREASE OR DECREASE 2% AT THE TIME OF ANY REVIEW. LIFETIME CAP AT 6%.
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
Convertible/1 Year ARM 0 pts
|
3.875
|
4.341
|
$4.71 first year, $4.99 after initial adjustment, $4.99 after second adjustment
|
|
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|
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3 Year Fixed/1 Year Adjustable*
*MAXIMUM INCREASE OR DECREASE 2% AT THE TIME OF ANY REVIEW. LIFETIME CAP AT 6%.
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
3/1 ARM 0 pts
|
4.875
|
4.408
|
$5.30 first three years, $4.95 after initial adjustment, $4.95 after second adjustment
|
|
3/1 ARM 1 pt
|
4.375
|
4.375
|
$5.00 first three years, $4.93 after initial adjustment, $4.93 after second adjustment
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|
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5 Year Fixed/1 Year Adjustable*
*MAXIMUM INCREASE OR DECREASE 2% AT THE TIME OF ANY REVIEW. LIFETIME CAP AT 6%.
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
5/1 ARM 0 pts
|
5.375
|
4.680
|
$5.60 first five years, $5.01 after initial adjustment
|
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5/1 ARM 1 pt
|
5.000
|
4.625
|
$5.37 first five years, $4.98 after initial adjustment
|
|
5/1 ARM 2 pts
|
4.625
|
4.572
|
$5.15 first five years, $4.95 after initial adjustment
|
|
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| |
|
|
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|
5 Year Fixed/1 Year Adjustable First Time Home Buyer*
($750.00 credit towards closing costs) *MAXIMUM INCREASE OR DECREASE 2% AT THE TIME OF ANY REVIEW. LIFETIME CAP AT 6%.
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
5/1 ARM First Time Home Buyer 0 pts
|
5.375
|
4.680
|
$5.60 first five years, $5.01 after initial adjustment
|
|
5/1 ARM First Time Home Buyer 1 pt
|
5.000
|
4.625
|
$5.37 first five years, $4.98 after initial adjustment
|
|
5/1 ARM First Time Home Buyer 2 pts
|
4.625
|
4.572
|
$5.15 first five years, $4.95 after initial adjustment
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|
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|
7 Year Fixed/1 Year Adjustable**
**MAXIMUM INCREASE OR DECREASE 5% AT FIRST CHANGE DATE. 2% ANNUAL CAP. LIFETIME CAP AT 5%.
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
7/1 ARM 0 pts
|
5.625
|
4.940
|
$5.76 first seven years, $5.06 after initial adjustment
|
|
7/1 ARM 1 pt
|
5.250
|
4.840
|
$5.53 first seven years, $5.02 after initial adjustment
|
|
7/1 ARM 2 pts
|
5.000
|
4.804
|
$5.37 first seven years, $5.00 after initial adjustment
|
|
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|
|
|
|
10 Year Fixed/1 Year Adjustable*
*INCREASE OR DECREASE 2% AT THE TIME OF FIRST REVIEW. SUBSEQUENT ADJUSTMENTS CANNOT INCREASE OR DECREASE MORE THAN 2%. LIFETIME CAP AT 5%.
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
10/1 ARM 0 pts
|
5.750
|
5.229
|
$5.84 first ten years, $5.15 after initial adjustment
|
|
10/1 ARM 1 pts
|
5.500
|
5.155
|
$5.68 first ten years, $5.11 after initial adjustment
|
|
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|
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|
Fixed-Rate Mortgages
Including construction
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
Fixed 10 years 0 pts
|
5.375
|
5.402
|
$10.80
|
|
Fixed 10 years 1 pt
|
5.125
|
5.370
|
$10.67
|
|
Fixed 10 years 2 pts
|
4.875
|
5.339
|
$10.55
|
|
Fixed 15 years 0 pts
|
5.500
|
5.519
|
$8.18
|
|
Fixed 15 years 1 pt
|
5.250
|
5.423
|
$8.04
|
|
Fixed 15 years 2 pts
|
5.000
|
5.326
|
$7.91
|
|
Fixed 20 years 0 pts
|
5.875
|
5.890
|
$7.10
|
|
Fixed 20 years 1 pt
|
5.625
|
5.764
|
$6.95
|
|
Fixed 20 years 2 pts
|
5.375
|
5.636
|
$6.81
|
|
Fixed 30 Years 0 pts
|
6.125
|
6.137
|
$6.08
|
|
Fixed 30 years 1 pt
|
5.875
|
5.980
|
$5.92
|
|
Fixed 30 years 2 pts
|
5.625
|
5.822
|
$5.76
|
|
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|
|
|
|
Massadvantage Mortgages
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
Fixed 30 years 0 pts
60 Day Lock
|
6.125
|
6.825
|
$6.84
|
|
|
| |
|
|
|
|
Guaranteed Rural Housing Loan
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
Fixed 30 Year 0 pts
|
6.125
|
6.455
|
$6.08
|
|
|
| |
|
|
|
|
Country Convertible Home Equity Line of Credit
Fixed Term Equity Loans via Country Convertible HELOC 1-4 Family Owner-Occupied
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
Our unique Country Convertible Equity Line adjustable @ prime allows you to create up to three separate loans within your line of credit and lock in all or a portion at a fixed rate. Call us for additional rates and details!
|
|
|
|
5 Year
|
6.000
|
6.000
|
$19.34
|
|
10 Year
|
6.500
|
6.500
|
$11.36
|
|
15 Year
|
6.750
|
6.750
|
$8.85
|
|
20 Year
|
7.300
|
7.300
|
$7.94
|
|
|
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|
|
|
|
Fixed Home Equity Loans
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
Equity Fixed 5 yrs
|
6.500
|
6.500
|
$19.57
|
|
Equity Fixed 10 yrs
|
7.000
|
7.000
|
$11.62
|
|
Equity Fixed 15 yrs
|
7.250
|
7.250
|
$9.13
|
|
Equity Fixed 20 yrs
|
7.800
|
7.800
|
$8.24
|
|
|
| |
|
|
|
|
Home Improvement Loans
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
Home Improv. 36 mo
|
8.750
|
8.750
|
$31.69
|
|
Home Improv. 60 mo
|
9.000
|
9.000
|
$20.76
|
|
Home Improv. 36 mo energy related
|
8.250
|
8.250
|
$31.46
|
|
Home Improv. 60 mo energy related
|
8.500
|
8.500
|
$20.52
|
|
|
| |
|
|
|
|
Auto Loans
New car loan rates apply to any 2007-2008 vehicles with 10,000 miles or less
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
New Auto/Motorcycle 36 mo
|
5.750
|
5.750
|
$30.30
|
|
New Auto/Motorcycle 60 mo
|
6.000
|
6.000
|
$19.33
|
|
New Auto/Motorcycle 72 mo
|
6.750
|
6.750
|
$16.92
|
|
Used Auto/Motorcycle 05-06 36 mo
|
6.000
|
6.000
|
$30.42
|
|
Used Auto/Motorcycle 05-06 60 mo
|
6.250
|
6.250
|
$19.44
|
|
Used Auto/Motorcycle 02-04 48 mo
|
6.500
|
6.500
|
$23.71
|
|
Used Auto/Motorcycle 2001 or older 36 mo
|
7.750
|
7.750
|
$31.10
|
|
|
| |
|
|
|
|
Other Consumer Loans
|
Interest Rate
|
Annual Percentage Rate
|
Monthly Payment per $1000
|
|
Personal Unsecured 36 mo
|
13.000
|
13.000
|
$33.70
|
|
New RV 36 mo
|
8.750
|
8.750
|
$31.69
|
|
New RV 60 mo
|
9.000
|
9.000
|
$20.76
|
|
Used RV 36 mo
|
9.000
|
9.000
|
$31.80
|
|
Used RV 60 mo
|
9.750
|
9.750
|
$21.13
|
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