Current Rates

Deposit Rates

 

 

Checking Rates

Rate APY* Minimum Balance to Open Minimum Balance to Obtain APY
Thrift Checking None None $50 N/A
Personal and Senior Checking 0.10% 0.10% $50 $300

* Annual Percentage Yield Rates
accurate as of September 18, 2013.
Rates may be changed or withdrawn at any time without notice.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
Penny Savers Kids Accounts 0.20% 0.20% $5 $5
Christmas Club 0.20% 0.20% $5 $5

* Annual Percentage Yield Rates
accurate as of September 18, 2013.
Rates may be changed or withdrawn at any time without notice.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 $2,500 0.10% 0.10% $2,500 $50
$2,500 and Above 0.20% 0.20% $2,500 $2,500

* Annual Percentage Yield Rates
accurate as of September 18, 2013.
Rates may be changed or withdrawn at any time without notice.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 0.30% 0.30% $500 $500
1 Year 0.50% 0.50% $500 $500
2 Years 0.70% 0.70% $500 $500
3 Years 1.00% 1.00% $500 $500
4 Years 1.30% 1.31% $500 $500
5 Years 1.50% 1.51% $500 $500
7 Years 1.70% 1.71% $500 $500

* Annual Percentage Yield Rates
accurate as of September 18, 2013.
Rates may be changed or withdrawn at any time without notice.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

Loan Rates

 

 

Mortgage Loan Programs - Owner Occupied Homes

Fixed Rate Mortgage Loans Interest Rate Annual Percentage Rate (APR) Principal and Interest Payment Lender Origination Charges {2} Months
30 Year Conventional {1} 3.875% 3.901% $587.80 $100.00 360
20 Year Conventional {1} 3.750% 3.787% $741.11 $100.00 240
15 Year Conventional {1} 3.250% 3.296% $878.34 $100.00 180
30 Year Non-Comforming 4.375% 4.402% $624.11 $100.00 360
20 Year Non-Comforming 4.250% 4.287% $774.04 $100.00 240
15 Year Non-Comforming 3.750% 3.797% $909.03 $100.00 180
   
Adjustable Rate Mortgage Loans (ARMs) Interest Rate APR Principal and Interest Payment Lender Origination Charges {2} Months
7/1 ARM {3} 3.875% 3.568% $587.80 $100.00 1-84
Payments 85-96 3.250% 3.568% $552.32 above 85-96
Payments 97-108 3.250% 3.568% $552.32 above 97-108
Payments 109-360 3.250% 3.568% $552.32 above 109-360
3/3 ARM {4} 3.625% 3.941% $570.06 $100.00 1-36
Payments 37-72 4.000% 3.941% $594.59 above 37-72
Payments 73-108 4.000% 3.941% $594.59 above 73-108
Payments 109-360 4.000% 3.941% $594.59 above 109-360

Rates Effective as of December 18, 2014.

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 and property exceeding 10 acres 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. 4.625% 4.665% $385.70
15 Year Fixed Without Auto Pay 4.875% 4.905% $392.15
Secured By Vacation Home
15 Year Fixed With or Without Auto Pay 5.625% 5.657% $411.87

Rates effective as of August 21, 2014  

*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 3.250%
Secured By Vacation Home Prime + 0.75% Floating 4.000%

The above rates are effective as of September 18, 2013 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 requre 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

New Vehicle Loans *
As Low As 4.00% APR.

Used Vehicle Loans*
As Low As 4.00% APR

* Rates effective as of January 1, 2014.

Rates subject to change without notice. Rates determined by history, term and security. Vehicle insurance required. Some restrictions apply. APR = Annual Percentage Rate

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