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|
Certificates of Deposit - Rates Effective as of February 1, 2012
|
|
Term
|
Minimum Required
|
Minimum Balance
to Obtain APY
|
Rate
|
APY*
|
|
7-31 Day
|
$500.00
|
$500.00
|
0.25%
|
0.25%
|
|
91 Day
|
$500.00
|
$500.00
|
0.25%
|
0.25%
|
|
6 Month
|
$500.00
|
$500.00
|
0.25%
|
0.25%
|
|
9 Month
|
$500.00
|
$500.00
|
0.25%
|
0.25%
|
|
1 Year
|
$500.00
|
$500.00
|
0.50%
|
0.50%
|
|
1 1/2 Year
|
$500.00
|
$500.00
|
0.50%
|
0.50%
|
|
2 Year
|
$500.00
|
$500.00
|
0.75%
|
0.75%
|
|
2 1/2 Year
|
$500.00
|
$500.00
|
0.75%
|
0.75%
|
|
3 Year
|
$500.00
|
$500.00
|
1.00%
|
1.00%
|
|
4 Year
|
$500.00
|
$500.00
|
1.25%
|
1.26%
|
|
5 Year
|
$500.00
|
$500.00
|
1.75%
|
1.76%
|
* Annual Percentage Yield
** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice.
|
|
Interest Bearing Checking - Rates Effective as of February 1, 2012
|
|
Type
|
Minimum Required
|
Rate
|
Minimum Balance
to Obtain APY
|
APY*
|
|
Super Now
|
$1,000.00
|
.20%
|
$1,000.00
|
.20%
|
|
Now
|
$500.00
|
.10%
|
$500.00
|
.10%
|
* Annual Percentage Yield
Rates are subject to change without notice.
|
|
Passbook Savings - Rates Effective as of February 1, 2012
|
|
Type
|
Minimum Required
|
Minimum Balance
to Obtain APY
|
Rate
|
APY*
|
|
Passbook Savings
|
none
|
N/A
|
.40%
|
.40%
|
|
Golden Passbook**
|
$1,000.00
|
$1,000.00
|
.60%
|
.60%
|
|
Christmas Club
|
none
|
N/A
|
.40%
|
.40%
|
* Annual Percentage Yield
** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice.
|
|
Safe Money Market Tiered Rates - Rates Effective as of February 1, 2012
|
|
Amount
|
Minimum Balance
to Obtain APY
|
Rate
|
APY*
|
|
$1,000.00 - 9,999.00
|
$1,000.00
|
0.10%
|
0.10%
|
|
$10,000.00 - 24,999.00
|
$10,000.00
|
0.20%
|
0.20%
|
|
$25,000.00 - $49,999.00
|
$25,000.00
|
0.25%
|
0.25%
|
|
$50,000.00 - $99,999.00
|
$50,000.00
|
0.30%
|
0.30%
|
|
$100,000.00 +
|
$100,000.00
|
0.35%
|
0.35%
|
* Annual Percentage Yield
Rates are subject to change without notice.
|
|
Individual Retirement Accounts - Rates Effective as of February 1, 2012
|
|
Account Type
|
Minimum Balance
to Obtain APY
|
Length
|
Rate
|
APY*
|
|
Fixed Rate IRA
|
$500.00
|
1 & 2 Years
|
1.75%
|
1.76%
|
|
Variable Rate IRA
|
$500.00
|
1 Year
|
1.75%
|
1.76%
|
* Annual Percentage Yield
** Penalty for early withdrawal and/or restrictions may apply. Rates are subject to change without notice.
|
|
Fixed Rate Mortgages - Rates Effective as of December 30, 2011
|
|
Mortgage Term
|
APR
|
|
15 Year Fixed
|
3.250%
|
|
20 Year Fixed
|
3.750%
|
|
30 Year Fixed
|
3.875%
|
The rates in this table are indicative only. Your rate is subject to market fluctuations until it is locked. Rates are subject to change without notice.
Based on a $100,000.00 mortgage the average closing cost is $850 for a property that has not had previous title insurance.
Term of repayment ex: "A $100,000 mortgage loan @6.25% APR for 15 years would have payments of $857.42." "A $100,000 mortgage loan @6.55% APR for 20 years would have payments of $748.52." "A $100,000 mortgage loan @6.65% APR for 30 years would have payments of $641.96."
Fixed rates are available Monday thru Friday from 9:00 am to 3:00 pm CST, except for certain Federal and bond market holidays. For all other loan rates and closing cost estimates, please contact Bank of Brodhead and a loan officer will assist you.
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