Loan Rates
Mortgage Loan Programs - Owner Occupied Home
| Fixed Rate Mortgage Loans | Interest Rate | Annual Percentage Rate (APR) | Principal and Interest Payment | Lender Origination Charges {2} | Months |
| 30 Year Conventional {1} | 4.500% | 4.588% | $633.36 | $800.00 | 360 |
| 20 Year Conventional {1} | 4.375% | 4.496% | $782.40 | $800.00 | 240 |
| 15 Year Conventional {1} | 4.125% | 4.278% | $932.46 | $800.00 | 180 |
| 30 Year Non-Conforming | 5.000% | 5.091% | $671.03 | $800.00 | 360 |
| 20 Year Non-Conforming | 4.875% | 4.998% | $816.34 | $800.00 | 240 |
| 15 Year Non-Conforming | 4.625% | 4.781% | $964.25 | $800.00 | 180 |
| Adjustable Rate Mortgage Loans (ARMs) | Interest Rate | APR | Principal and Interest Payment | Lender Origination Charges {2} | Months |
| 7/1 ARM {3} | 4.500% | 5.162% | $633.36 | $800.00 | 1-84 |
| Payments 85-96 | 5.625% | 5.162% | $703.41 | above | 85-96 |
| Payments 97-108 | 5.625% | 5.162% | $703.41 | above | 97-108 |
| Payments 109-360 | 5.625% | 5.162% | $703.41 | above | 109-360 |
| 3/3 ARM {4} | 4.250% | 5.289% | $614.92 | $800.00 | 1-36 |
| Payments 37-72 | 5.500% | 5.289% | $702.27 | above | 37-72 |
| Payments 73-108 | 5.500% | 5.289% | $702.27 | above | 73-108 |
| Payments 109-360 | 5.500% | 5.289% | $702.27 | above | 109-360 |
Rates Effective as of
All payments exclude taxes and insurance thus your payment will be greater than disclosed above.
All programs listed assume 20% equity or downpayment without the requirement of mortgage insurance. Other programs are available requiring smaller down payments or less equity however mortgage insurance will be required resulting in a higher payment and APR. The examples above assume a loan amount of $125,000.
{1} Loans secured by property meeting the criteria for sale as conventional loans on the secondary mortgage market will be eligible for conventional loan rates. In addition loans for new home construction, refinance or purchase with home improvements, property exceeding 40 acres and loans exceeding $484,350 will be considered.{2} Lender origination charges are one time fees due at or before closing. Other fees and pre-paid items may apply such as: construction inspection fee, appraisal fee, title insurance, closing fee, mortgage insurance, survey, recording fees, flood determination and credit report. You will be responsible for the initial deposit into your escrow account, homeowners insurance and any necessary pre-paid interest.
{3} The 7/1 ARM program has an initial fixed rate and principal and interest payment for the first seven years then the interest rate and payment adjust annually thereafter based on the one year treasury securities plus a margin of 3.00% and rounded to the nearest 1/8%.
{4} The 3/3 ARM program has an initial fixed rate and principal and interest payment for first three years then the interest rate and payment adjust every three years thereafter based on the three year treasury securities plus a margin of 3.00% and rounded to the nearest 1/8%.
You have the right to file a written loan application and to receive a copy of the bank's underwriting standards.
Closed-End (Fixed) Home Equity Loans
| Secured By Primary Residence: | Interest Rate | Annual Percentage Rate (APR)* | Principal and Interest Payment* |
| 15 Year Fixed Rate With Auto Pay From An Eaton Federal Account. | 5.375% | 5.406% | $405.23 |
| 15 Year Fixed Without Auto Pay | 5.625% | 5.656% | $411.87 |
| Secured By Vacation Home | |||
| 15 Year Fixed With or Without Auto Pay | 6.375% | 6.434% | $432.13 |
Rates effective as of
*Based on a $50,000 loan amount, $100 prepaid finance charges and assumes no mortgage insurance.
The payment examples do not
include taxes and insurance.
Home Equity Lines of Credit
| Interest Rate | Annual Percentage Rate (APR) | |
| Secured By Primary Residence | Prime Floating | 5.500% |
| Secured By Vacation Home | Prime + 0.75% Floating | 6.250% |
The above rates are effective as of and are subject to change without notice. Higher rates may be charged based on the applicant's credit score. This is a variable rate loan based on the index known as the Prime Rate as published in the Wall Street Journal. Accordingly, the periodic rate and minimum monthly payment can change. The maximum rate will never exceed the lesser of 18% or the highest rate allowable under state or federal law. Home Equity Loans are 20 year balloon loans which require a minimum monthly payment of interest only for 240 months plus the outstanding principal balance owing at maturity. While fees and charges due to third parties at opening may range from $0 to $803, there are no bank fees. For most borrowers there are no fees due at opening. There are no transaction, membership or annual fees on this account. Property insurance is required. Consult your tax advisor regarding the deductibility of your interest and charges. This offer is subject to credit approval.
Automobile Loans
As Low As 3.650% APR.
Used Vehicle Loans*
As Low As 3.650% APR
* Rates effective as of .
Rates subject to change without notice. Rates determined by history, term and security. Vehicle insurance required. Some restrictions apply. APR = Annual Percentage Rate
Deposit Rates
Checking Rates
| Rate | APY* | Minimum Balance to Open | Minimum Balance to Obtain APY | |
| Edge | None | None | $50 | N/A |
| Connect | None | None | $50 | N/A |
| Connect Interest | 0.10% | 0.10% | $50 | $1,000 |
| Connect Plus | None | None | $50 | N/A |
| Connect Rewards **with bonus interest on amounts up to $10,000 |
0.10% 2.02% |
0.10% 2.00% |
$2,500 $2,500 |
$2,500 $2,500 |
* Annual Percentage Yield
Rates
accurate as of
.
Rates may be changed or withdrawn at any time without notice.
Fees could reduce earnings.
See our Deposit Account Disclosure for a completed description of account terms
Savings Rates
| Rate | APY* | Minimum Balance to Open | Minimum Balance to Obtain APY |
|
| Statement Savings | 0.20% | 0.20% | $5 | $5 |
| Kids Club Accounts | 0.20% | 0.20% | $5 | $5 |
| Christmas Club | 0.20% | 0.20% | $5 | $5 |
* Annual Percentage Yield
Rates
accurate as of
.
Rates may be changed or withdrawn at any time without notice.
Statement Savings accounts are eligible for inclusion in IRA plans
Fees could reduce earnings.
See our Deposit Account Disclosure for a completed description of account terms
Money Market Demand Account (MMDA)
| Rate | APY* | Minimum Balance to Open | Minimum Balance to Obtain APY | |
| Below $10,000 | 0.10% | 0.10% | $10,000 | $10,000 |
| $10,000 and Above | 0.20% | 0.20% | $10,000 |
$10,000 |
* Annual Percentage Yield
Rates
accurate as of
.
Rates may be changed or withdrawn at any time without notice.
Fees could reduce earnings.
See our Deposit Account Disclosure for a completed description of account terms
Certificates of Deposit
| Term | Rate | APY* | Minimum Balance to Open | Minimum Balance to Obtain APY |
| 6 Months | 1.00% | 1.00% | $500 | $500 |
| 1 Year | 2.00% | 2.02% | $500 | $500 |
| 2 Years | 2.35% | 2.37% | $500 | $500 |
| 3 Years | 2.60% | 2.63% | $500 | $500 |
| 4 Years | 2.85% | 2.88% | $500 | $500 |
| 5 Years | 3.10% | 3.14% | $500 | $500 |
| 7 Years | 3.35% | 3.39% | $500 | $500 |
* Annual Percentage Yield
Rates
accurate as of
.
Rates may be changed or withdrawn at any time without notice.
Fees could reduce earnings.
See our Deposit Account Disclosure for a completed description of account terms