Rates


ALL RATES LAST UPDATED Friday, May 09, 2008
Rates subject to change.
Personal Deposit Rates

STATEMENT SAVINGS ($100 MINIMUM BALANCE)
  RATE ANNUAL PERCENTAGE YIELD
0-$99.99 0.00 % 0.00 %
$100 & above 0.99 % 1.00 %
 

NO COST CHECKING IS AVAILABLE WITH NO MINIMUM DEPOSIT
 

INTEREST CHECKING ($100 MINIMUM BALANCE)
  RATE ANNUAL PERCENTAGE YIELD
0-$99.99 0.00 % 0.00 %
$100 & above 0.70 % 0.70 %
 

PREMIER CHECKING ($10,000 MINIMUM BALANCE)
  RATE ANNUAL PERCENTAGE YIELD
0-$9,999 0.00 % 0.00 %
$10,000 & above 1.83 % 1.85 %
 

MONEY MARKET SAVINGS ACCOUNT ($500 MINIMUM DEPOSIT)
  RATE ANNUAL PERCENTAGE YIELD
0-$499.99 0.00 % 0.00 %
$500-$9,999 1.48 % 1.50 %
$10,000-$24,999 1.73 % 1.75 %
$25,000-$49,999 2.61 % 2.65 %
$50,000 & above 2.85 % 2.90 %
 

PREMIER MONEY MARKET ($10,000 MINIMUM BALANCE)
  RATE ANNUAL PERCENTAGE YIELD
0-$9,999 0.99 % 1.00 %
$10,000-$99,999 2.85 % 2.90 %
$100,000 & above 2.95 % 3.00 %
 

CERTIFICATES OF DEPOSIT ($500 MINIMUM DEPOSIT)
  RATE ANNUAL PERCENTAGE YIELD
3 month 1.73 % 1.75 %
6 month 1.98 % 2.00 %
9 month 2.02 % 2.05 %
12 month 2.12 % 2.15 %
18 month 2.17 % 2.20 %
24 month 2.51 % 2.55 %
30 month 2.56 % 2.60 %
36 month 2.71 % 2.75 %
48 month 2.95 % 3.00 %
60 month 3.19 % 3.25 %

A penalty will or may be imposed for early withdrawal. Fees may reduce earnings.
 
IRA Rates

IRA ($250 MINIMUM DEPOSIT)
  RATE ANNUAL PERCENTAGE YIELD
12 Month 2.17 % 2.20 %
18 Month 2.22 % 2.25 %
24 Month 2.56 % 2.60 %
36 Month 2.76 % 2.80 %
48 Month 3.00 % 3.05 %
60 Month 3.24 % 3.30 %

A penalty will or may be imposed for early withdrawal. Fees may reduce earnings.
 

SAVINGS IRA (NO MINIMUM DEPOSIT)
  RATE ANNUAL PERCENTAGE YIELD
0-$100 NO INT N/A
$100-$9,999 0.94 % 0.95 %
$10,000-$24,999 0.99 % 1.00 %
$25,000-$49,999 1.14 % 1.15 %
$50,000 & above 1.24 % 1.25 %

A penalty will or may be imposed for early withdrawal. Fees may reduce earnings.
 

MINI-JUMBO CERTIFICATES OF DEPOSIT
(MINIMUM DEPOSIT $10,000-$79,999 - simple interest available)
  RATE ANNUAL PERCENTAGE YIELD
3 Month 3.05 % 3.10 %

A penalty will or may be imposed for early withdrawal. Fees may reduce earnings.
 

SPECIAL CERTIFICATES OF DEPOSIT
  RATE ANNUAL PERCENTAGE YIELD
7 month ($10,000 min.) 3.10 % 3.15 %
13 month ($10,000 min) 3.05 % 3.10 %
25 month ($10,000 min) 3.05 % 3.10 %

A penalty will or may be imposed for early withdrawal. Fees may reduce earnings.
14 month ($5,000 min)** 2.71 % 2.75 %
9 month ($1,000 min)** 2.66 % 2.70 %

**Penalty-Free Withdrawal
 

BUMP-UP CERTIFICATES OF DEPOSIT***
  RATE ANNUAL PERCENTAGE YIELD
15 month*** 2.66 % 2.70 %
27 month*** 2.71 % 2.75 %

*** One time rate bump up
 

Business Deposit Rates

BUSINESS SAVINGS ACCOUNTS
  RATE ANNUAL PERCENTAGE YIELD
$200 & Above 1.09 % 1.10 %
 

BUSINESS INTEREST BEARING CHECKING
[*NON-PROFIT AND SOLE PROPRIETORSHIP ONLY]
  RATE ANNUAL PERCENTAGE YIELD
$2500 & Above 1.49 % 1.50 %
 

BUSINESS MONEY MARKET
  RATE ANNUAL PERCENTAGE YIELD
$ 1,000 - $9,999 1.58 % 1.60 %
$10,000 - $24,999 1.83 % 1.85 %
$25,000 - $49,999 2.71 % 2.75 %
$50,000 & Above 2.95 % 3.00 %
 

BUSINESS CHECKING ANALYSIS ACCOUNTS
Earnings Credit Rate in effect 5/1/2008 through 5/31/2008 is 0.610 %

Earnings Credit Rate is based on the 90 Day T-Bill rate, minus 1%. The rate is based on the first business day of each month.

 

 

Consumer Loan Rates

HOME EQUITY LINES OF CREDIT
(Wall Street Journal Prime Rate is currently 5.00 %)

AMOUNT

RATE (APR)

TERM

LOAN TO VALUE

Great Line

$50,000 +

Prime – ½%

15 year draw

80%

Atlantic Line

$20,000-$50,000

Prime + 0%

15 year draw

80%

Eagle 100 Line

$50,000-$100,000

Prime + 1 ½%

15 year draw

100%

Eagle 50 Line

$20,000-50,000

Prime + 2%

15 year draw

100%

Eagle 20 Line

$20,000 or less

Prime + 4%

15 year draw

100%
 

HOME EQUITY LOANS

AMOUNT

RATE (APR)

TERM

LOAN TO VALUE

Great Loan

6.88 %
7.38 %
7.75 %

5 years
10 years
15 years

80%

Eagle Loan

9.75 %
10.00 %
10.50 %

5 years
10 years
15 years

100%

Investor Loan

9.00 %
9.75 %
10.25 %

5 years
10 years
15 years

80%

Second Home

8.50 %
9.50 %
10.00 %

5 years
10 years
15 years

80%
 

OTHER LOANS

AMOUNT

RATE (APR)

TERM

LOAN TO VALUE

New Car

Any
>$30,000

7.00 %
7.50 %

5 years
6 years

Used Car

>$25,000
$10,000-$25,000
$5,000-$10,000

8.50 %
8.50 %
8.50 %

4 years
4 years
3 years

NADA Loan Value

Personal

<$3,000
$3,000-$10,000
$1,000-$15,000

14.00 %
14.00 %
14.00 %

2 years
3 years
3 years

Certificate of Deposit/Savings

2.00 %
above rate

Overdraft Protection

<$5,000

14.50 %