Deposit Rates

Interest Bearing Checking Accounts:
Product
Balance to Obtain APY
Annual Percentage Yield
Premium Interest
$0 to $2,500
0.50%
$2,500 and over
2.50%
50 N' Better
None
0.50%
Direct Free Interest
None
0.50%
Low Minimum Interest
None
0.50%
No Minimum Interest
None
0.50%
eChecking with Interest
None
0.50%
Accounts require a $25 minimum balance to open. Interest calculated on the daily balance, simple interest credited monthly.


Phoenix Money Market
Annual Percentage Yield
$2,500 to $10,000
1.30%
$10,001 to $25,000
1.45%
$25,001 to $50,000
1.65%
$50,001 to $100,000
1.90%
$100,001 to $150,000
2.25%
$150,001 and Over
2.50%
Interest calculated on the daily balance, daily compounding, credited monthly. $2500 Minimum required to open.


Savings Accounts
Product
Minimum Balance to Obtain APY
Annual Percentage Yield
Passbook Savings
$100
1.00%
Statement Savings
$100
1.00%
Children's Savings Club
$20
1.00%
Senior Gold Savings
$20
1.25%
Interest calculated on the daily balance, daily compounding, credited quarterly. $100 minimum required to open Passbook Savings or Statement Savings Accounts. $20 minimum required to open Children's Savings Club and Senior Gold Savings.


Individual Retirement Accounts
IRA Statement Savings
Minimum Balance to Obtain APY
Annual Percentage Yield
IRA Statement Savings
$20
1.25%
Interest calculated on the daily balance, daily compounding, credited quarterly. $20 minimum required to open. Growth certificates of deposit are also investment options for IRAs.


SPECIAL OFFERS
Certificates of Deposit
Term
Minimum Balance
Annual Percentage Yield
2 Months*
$10,000.00
2.50%
9 Months**
$1,000.00
3.40%
14 Months**
$1,000.00
3.60%
27 Months**
$1,000.00
3.80%
*After funds have been on deposit for seven days, withdrawals are permitted at any time without penalty.
**Substantial penalty for early withdrawal.


Growth Certificates of Deposit
Term
Annual Percentage Yield
3 to 6 Months
2.30%
7 to 12 Months
2.60%
13 to 18 Months
2.70%
19 to 30 Months
2.75%
31 to 48 Months
3.60%
49 to 60 Months
4.00%
The minimum balance required to open a Growth Certificate of Deposit and obtain the APY is $500. A penalty may be imposed for early withdrawal. Interest is calculated on the daily balance, daily compounding, and credited quarterly.


Income Certificates of Deposit
Term
Annual Percentage Yield
6 Months
2.25%
12 Months
2.55%
18 Months
2.65%
30 Months
3.55%
60 Months
3.90%
The minimum balance required to open an Income Certificate of Deposit and obtain the APY is $5,000. A penalty may be imposed for early withdrawal. Interest is calculated on the daily balance, simple compounding, and credited on a monthly or quarterly basis.




LENDING RATES


Home Equity Loans
Term
Auto Pay APR*
Coupon APR*
1 to 3 years
5.875%
6.125%
4 to 5 years
6.000%
6.250%
6 to 10 years
6.500%
6.750%
11 to 15 years
6.750%
7.000%
16 to 20 years
7.000%
7.250%
21 to 30 years (with 15 yr. balloon payment)
7.000%
7.250%
*APR = Annual Percentage Rate

Application deposit (nonrefundable) $175.00. Loan amounts equal to or greater than $250,000 require a complete appraisal report (FNMA 1004) which increases the application deposit (nonrefundable) by $225.

Home equity rates and fees are for single family owner/occupied residences. For 1 to 4 non-owner occupied properties, and for inquiries on other types of properties, please contact the Consumer Loan Department at 610-933-1000.


Home Equity Lines of Credit
Auto Pay APR*
Coupon APR*
Home Equity Line of Credit
5.000%
5.250%
*APR = Annual Percentage Rate

No Application deposit applicable on this product. A Home Equity Line of Credit is a variable rate product and as such, the rate may change after consummation. Margin for Auto Pay APR is 0 basis points, and for the Coupon APR is 25 basis points. APR is based on the Prime Rate. Minimum Monthly payment is 1.5 % of ending balance or $50 minimum.
Loan amounts equal to or greater than $250,000 require a complete appraisal report (FNMA 1004) which increases the application deposit (nonrefundable) by $275.


Consumer Loans
Product
Term
Auto Pay APR*
Coupon APR*
New Auto Loan†
60 Month Maximum
8.24%
8.49%
Used Auto Loans†
48 Month Maximum (for years 2005-2007)
8.74%
8.99%
36 Month Maximum (for years 2001-2004)
9.24%
9.49%
24 Month Maximum (for years 2000 and earlier)
9.99%
10.24%
Motorcycle Loans‡
24 Months (used)
12.00%
12.25%
36 Months (new)
12.00%
12.25%
* APR = Annual Percentage Rate

† Required down payment of 20%.

‡ Required down payment of 30%.




Adjustable Mortgages
Product
Rate
Points
APR*
1 Year ARM Maximum 30 Year Term, CAPS 2/5
4.750%
3.00%
5.248%
5.000%
2.00%
5.179%
5.250%
1.00%
5.111%
5.500%
0.00%
5.043%
3/1 ARM Maximum 30 Year Term, CAPS 2/5
4.875%
3.00%
5.239%
5.125%
2.00%
5.210%
5.375%
1.00%
5.180%
5.625%
0.00%
5.151%
5/1 ARM Maximum 30 Year Term, CAPS 2/5
5.000%
3.00%
5.270%
5.250%
2.00%
5.275%
5.500%
1.00%
5.280%
5.750%
0.00%
5.285%
5/1 ARM First Time Home Buyers Only Maximum 30 Year Term, CAPS 2/5
5.500%
0.00%
5.280
* APR = Annual Percentage Rate


Fixed Rate Mortgages
Product
Rate
Points
APR*
10 Year
5.500%
3.00%
6.173%
5.750%
2.00%
6.198%
6.000%
1.00%
6.224%
6.250%
0.00%
6.251%
15 Year
5.625%
3.00%
6.100%
5.875%
2.00%
6.192%
6.125%
1.00%
6.284%
6.375%
0.00%
6.376%
20 Year
6.375%
3.00%
6.763%
6.500%
2.00%
6.758%
6.625%
1.00%
6.754%
6.750%
0.00%
6.751%
30 Year
6.500%
3.00%
6.796%
6.625%
2.00%
6.822%
6.750%
1.00%
6.849%
6.875%
0.00%
6.876%
* APR = Annual Percentage Rate

The application deposit is $375, which includes Appraisal, Credit Report & Flood Certification fees. Maximum loan to value is 95%.

Rates are subject to change daily. Mortgage commitments are locked for a standard term of 45 days from the date of application. Extended rate options and upfront fees are available.

Mortgage rates and fees are for single family owner/occupied residences. For inquiries on other types of properties or any other information, please contact the Loan Department at 610-933-1000.