Rates

Rates are effective as of March 31, 2014.

Home Equity Loan

Based on a $10,000 loan

TERM INTEREST RATE ANNUAL PERCENTAGE RATE PAYMENT/$1,000.00
60 months 3.99% 4.466% $18.60
120 months 5.15% 5.403% $10.79
180 months 5.74% 5.922% $8.39
240 months 5.99% 6.136% $7.24

*Subject to credit approval. Rates apply to new loans up to a maximum 85% loan-to-value. Rates shown based on automatic payment from WMSB checking account. Minimum loan amount is $10,000 for 60 month rate. Minimum loan amount is $5,000 for 120 and 180 month rates.  Maximum loan amount is $100,000 for 240 month rate.  Property insurance and flood insurance, if applicable, are required. Rates are subject to change. See your tax advisor on the tax deductibility of interest.

Unsecured Personal Loan

AMOUNT TERM INTEREST RATE ANNUAL PERCENTAGE RATE PAYMENT/$1,000.00
$2,500 24 Months 12.25% 14.214% $12.34
$10,000 60 Months 12.25% 12.458% $22.49

*Credit subject to approval. A loan fee may be required. Rates and terms are subject to change without notice. Automatic payment option available.

New Auto & Recreational Vehicle

Based on a $10,000 loan

(2014 or previously untitled 2013)

TERM INTEREST RATE ANNUAL
PERCENTAGE
RATE
PAYMENT/$1,000.00
36 months 6.75% 7.083% $31.00
48 months 6.75% 7.008% $24.02
60 months 7.00% 7.212% $19.96
72 months 7.25% 7.430% $17.31
84 months 7.50% 7.659% $15.44

*Credit subject to approval. A loan fee may be required. Rates and terms are subject to change without notice. Automatic payment option available.

Used Auto and Recreational Vehicle

Based on a $10,000 loan

MODEL YEAR TERM INTEREST RATE ANNUAL PERCENTAGE RATE PAYMENT/$1,000.00
2013 36 Months 7.75% 8.087% $31.48
2013 48 Months 7.75% 8.009% $24.49
2013 60 Months 8.00% 8.214% $20.44
2012-2011 36 Months 8.00% 8.337% $31.59
2012-2011 48 Months 8.00% 8.260% $24.61
2012-2011 60 Months 8.25% 8.465% $20.57
2010-2008 36 Months 8.75% 9.088% $31.95
2010-2008 48 Months 12.25% 12.521% $26.72

*Credit subject to approval. A loan fee may be required. Rates and terms are subject to change without notice. Automatic payment option available.

Mortgage Rates

Annual Percentage Yields (APY) are effective as of January 10, 2014.

CERTIFICATE OF DEPOSIT • INDIVIDUAL RETIREMENT ACCOUNTS COVERDELL SAVINGS ACCOUNT

Balance Range: $500 to $99,999.99

(Minimum opening deposits: $100 for a 1-Year IRA • $25 for a CESA)

TERM INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
91 days .10% .10%
182 days .25% .25%
1 year .35% .35%
2 years .50% .50%
3 years .90% .90%
4 years 1.30% 1.30%
5 years 1.75% 1.76%

A penalty may be imposed for early withdrawals on Certificate of Deposit accounts and I.R.A. accounts. Rates are subject to change without notice.

Spring CD Special

Annual Percentage Yields (APY) are effective as of April 1, 2014.

Ez Banking Account

To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$ 1,000.00 - $24,999.99 .10% .10%
$25,000.00 and Over .15% .15%

Good Neighbors Account

To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$ 500.00 - $ 4,999.99 .10% .10%
$ 5,000.00 - $24,999.99 .15% .15%
$ 25,000.00 - $49,999.99 .15% .15%
$ 50,000.00 and Over .20% .20%

NOW Accounts

To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$ 1,000.00 - $ 4,999.99 .10% .10%
$ 5,000.00 - $24,999.99 .10% .10%
$25,000.00 - $49,999.99 .15% .15%
$50,000.00 and Over .15% .15%

Money Market Demand Account

(Minimum to open account is $2,500.00)
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$ 0.01 - $ 2,499.99 .10% .10%
$ 2,500.00 - $24,999.99 .20% .20%
$ 25,000.00 - $49,999.99 .25% .25%
$ 50,000.00 - $99,999.99 .30% .30%
$ 100,000.00 and Over .40% .40%

Market Share Investment Account

(Minimum to open account is $25,000.00)
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$ 0.01 - $ 2,499.99 .10% .10%
$ 2,500.00 - $24,999.99 .30% .30%
$ 25,000.00 - $99,999.99 .40% .40%
$100,000.00 and Over .50% .50%

Statement Savings Account

To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$ 0.01 - $ 4,999.99 .15% .15%
$ 5,000.00 - $24,999.99 .15% .15%
$ 25,000.00 - $49,999.99 .20% .20%
$ 50,000.00 and Over .20% .20%

Club Accounts

To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$0.01 and Over .20% .20%

 

Please contact a Customer Service Representative for further information about applicable fees and terms.

Fees may reduce the earnings on these accounts. Rate may change after account is opened.