 |
Personal Banking
Interest Rates
Interest Rates on
Personal Accounts
Interest Rates and Annual Percentage Yield (APY) accurate as of September 1, 2010
| Checking
with Interest |
| Balance |
Interest
Rate |
APY |
| $0.01 to $999.99 |
0.35 |
0.35 |
| $1,000.00 to $9,999.99 |
0.40 |
0.40 |
| $10,000.00 to $24,999.99 |
0.45 |
0.45 |
| $25,000.00 to $49,999.99 |
0.50 |
0.50 |
| $50,000.00 to $99,999.99 |
0.60 |
0.60 |
| $100,000.00 & Over |
0.70 |
0.70 |
Interest rates subject
to change after account is opened.
Fees could reduce earnings.
Minimum deposit required to open the account is $100.
PowerUp Checking |
| Balance |
Interest Rate |
APY* |
| Balances Up to $20,000.00 |
2.47 |
2.50 |
| Balances Over $20,000.00 |
0.50 |
2.50 - 0.66 |
*APY is subject to change after account is opened. APY assumes the following transaction requirements per statement period: at least 15 debit card purchases and at least one direct deposit or automatic payment from your account, along with enrolling in e-statement. If these transaction requirements are not met, the APY will be 0.10% on all balances in the account for the statement period.
Minimum deposit required to open account is $100.
| Statement
Savings |
| Balance |
Interest
Rate |
APY |
| $0.01 to $999.99 |
0.35 |
0.35 |
| $1,000.00 to $9,999.99 |
0.40 |
0.40 |
| $10,000.00 to $24,999.99 |
0.45 |
0.45 |
| $25,000.00 to $49,999.99 |
0.50 |
0.50 |
| $50,000.00 to $99,999.99 |
0.60 |
0.60 |
| $100,000.00 & Over |
0.70 |
0.70 |
Interest rates subject to change after account is opened.
Fees could reduce earnings.
Minimum deposit required to open the account is $100.
| Retail and IRA Money
Market |
| Balance |
Interest
Rate |
APY |
| $0.01 to $9,999.99 |
0.45 |
0.45 |
| $10,000.00 to $24,999.99 |
0.70 |
0.70 |
| $25,000.00 to $74,999.99 |
0.95 |
0.95 |
| $75,000.00 to $249,999.99 |
1.05 |
1.06 |
| $250,000.00 & Over |
1.05 |
1.06 |
Interest rates subject to change after account is opened.
Fees could reduce earnings.
Minimum deposit required to open the account is $100.
|
CD's** and IRA's |
| Term |
Interest
Rate |
APY |
| 7-31 Day CD/IRA |
0.25 |
0.25 |
| 3 Month CD/IRA |
0.45 |
0.45 |
| 6 Month CD/IRA |
0.55 |
0.55 |
| 12 Month CD/IRA (1) |
|
1.05 |
| 18 Month CD/IRA |
1.24 |
1.25 |
| 24 Month CD/IRA |
1.49 |
1.50 |
| 30 Month CD/IRA |
1.69 |
1.70 |
| 36 Month CD/IRA |
1.94 |
1.95 |
| 48 Month CD/IRA |
2.28 |
2.30 |
| 60 Month CD/IRA |
2.48 |
2.50 |
**The minimum balance to
open a CD and obtain the APY is $500.
A penalty may be imposed for early withdrawal.
(1) For IRA, may add additional deposits during one-year term.
For additional information on deposit products and rates, contact any of our branches.
Interest Rates on Consumer Loans
As of August 30, 2010
| Home
Equity Loans |
| Term |
APR* |
Payment** |
| 36 months |
5.00% |
$29.97 |
| 60 months |
5.00% |
$18.87 |
| 84 months |
5.50% |
$14.37 |
| 120 months |
6.00% |
$11.10 |
| *Stated APR is for loans secured by a 1st lien on the borrower's principal dwelling and the payment is automatically deducted from a York Traditions Bank deposit account. |
| **Payment amount is for $1,000 borrowed. Minimum Loan amount is $5,000. |
Home Equity Line of Credit |
| Current APR*** is 4.00% and subject to change after the account is opened. |
| ***APR is based on the Wall Street Journal Prime rate as published on the last day of each month. APR may adjust monthly. Minimum APR is 4.00%; maximum APR is 18.00%. Payment must be automatically deducted from a York Traditions Bank deposit account. |
|
| Other rates and terms available. Rates are subject to change without notice. For qualified borrowers only. |
| |
Contact Sue Schroeder at 717-747-2608
for additional loan information.
|
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