 |
Personal Banking
Interest Rates
Interest Rates on
Personal Accounts
Interest Rates and Annual Percentage Yield (APY) accurate as of February 1, 2012
| Checking
with Interest |
| Balance |
Interest
Rate |
APY |
| $0.01 to $999.99 |
0.10 |
0.10 |
| $1,000.00 to $9,999.99 |
0.10 |
0.10 |
| $10,000.00 to $24,999.99 |
0.15 |
0.15 |
| $25,000.00 to $49,999.99 |
0.15 |
0.15 |
| $50,000.00 to $99,999.99 |
0.15 |
0.15 |
| $100,000.00 & Over |
0.20 |
0.20 |
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 |
1.49 |
1.50 |
| Balances Over $20,000.00 |
0.15 |
1.50 - 0.26 |
*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 |
0.25 |
0.25 |
| $1,000.00 to $9,999.99 |
0.25 |
0.25 |
| $10,000.00 to $24,999.99 |
0.25 |
0.25 |
| $25,000.00 to $49,999.99 |
0.25 |
0.25 |
| $50,000.00 to $99,999.99 |
0.25 |
0.25 |
| $100,000.00 & Over |
0.25 |
0.25 |
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 |
0.25 |
0.25 |
| $10,000.00 to $24,999.99 |
0.40 |
0.40 |
| $25,000.00 to $74,999.99 |
0.50 |
0.50 |
| $75,000.00 to $249,999.99 |
0.60 |
0.60 |
| $250,000.00 & Over |
0.65 |
0.65 |
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 |
0.15 |
0.15 |
| 3 Month CD/IRA |
0.25 |
0.25 |
| 6 Month CD/IRA |
0.30 |
0.30 |
| 12 Month CD/IRA (1) |
|
0.50 |
| 18 Month CD/IRA |
0.65 |
0.65 |
| 24 Month CD/IRA |
0.80 |
0.80 |
| 30 Month CD/IRA |
0.90 |
0.90 |
| 36 Month CD/IRA |
1.10 |
1.10 |
| 48 Month CD/IRA |
1.29 |
1.30 |
| 60 Month CD/IRA |
1.59 |
1.60 |
**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 February 1, 2012
| Home
Equity Loans |
| Term |
APR* |
Payment** |
| 36 months |
4.75% |
$29.86 |
| 60 months |
4.75% |
$18.76 |
| 84 months |
5.50% |
$14.37 |
| 120 months |
5.50% |
$10.85 |
| *Stated APR is for loans secured by a 1st or 2nd lien on the borrower's principal dwelling, the maximum combined loan to value is 80%, and the payment is automatically deducted from a York Traditions Bank deposit account. For loans secured by a 1st lien, the payment amount does not include amounts for taxes and insurance premiums. The actual payment obligation could be greater. |
| **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 plus .25% 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, assumes a maximum combined loan to value of 80%, and line amount not less than $50,000. |
|
| Other rates and terms available. Rates are subject to change without notice. For qualified borrowers only. |
| |
Contact Sue Schroeder (NMLS # 439628)
at 717-747-2608
for additional loan information.
|
|
