Rates
Deposit Rates
|
Certificates of Deposit / Individual Retirement Accounts Rates Subject to Change Effective February 22, 2010 |
||
|
Term
|
Interest Rate
|
Annual Percentage Yield
|
|
Three Months
|
.499%
|
.50%
|
|
Six Months
|
.897%
|
.90%
|
|
Twelve Months
|
1.095%
|
1.10%
|
|
Fifteen Months (Special)
|
1.640%
|
1.65%
|
|
Eighteen Months
|
1.244%
|
1.25%
|
|
Twenty-Four Months
|
1.492%
|
1.50%
|
|
Thirty Months - The Opportunity CD
|
2.231%
|
2.25%
|
|
Thirty-Six Months
|
2.330%
|
2.35%
|
|
Forty-Eight Months
|
2.477%
|
2.50%
|
|
Sixty Months
|
2.967%
|
3.00%
|
|
Early withdrawals subject to substantial penalty Interest on CD's compound quarterly. Minimum deposit of $1,500.00 on THE OPPORTUNITY CD and minimum deposit of $5,000.00 on all CD specials. All other certificates are a minimum of $500.00. |
||
|
Other Interest-Bearing Accounts
|
Interest Rate
|
Annual Percentage Yield
|
|
PRIMETIME CHECKING
|
.150%
|
.15%
|
|
FNB INTEREST CHECKING
|
.100%
|
.10%
|
|
MONEY MARKET
|
||
|
$2,500.00 to $9,999.99
|
.349%
|
.35%
|
|
$10,000.00 to $24,999.99
|
.449%
|
.45%
|
|
$25,000.00 to above
|
.648%
|
.65%
|
|
PLATINUM HIGH YIELD MONEY MARKET
|
||
|
$2,500.00 to $24,999.99
|
.349%
|
.35%
|
|
$25,000.00 to above
|
.747%
|
.75%
|
|
STATEMENT SAVINGS
|
.200%
|
.20%
|
|
CHOICE SAVINGS ACCOUNT
|
.450%
|
.45%
|
|
KID’S CLUB/TEEN SAVINGS
|
.200%
|
.20%
|
|
HEALTH SAVINGS ACCOUNT
|
||
|
$500.00 or greater and less than $2,499.99
|
.499%
|
.50%
|
|
$2,500.00 or greater and less than $9,999.99
|
.995%
|
1.00%
|
|
$10,000.00 or more
|
1.490%
|
1.50%
|
| Rates subject to change. | ||
Loan Rates
|
Fixed Rate Mortgages Effective March 10, 2010 at 12:31 P.M. |
||
|
Term
|
Interest Rate
|
Annual Percentage Rate
|
|
40 Year (0 Points)
|
5.375%
|
5.399%
|
|
30 Year (0 Points)
|
5.125%
|
5.153%
|
|
20 Year (0 Points)
|
4.875%
|
4.913%
|
|
15 Year (0 Points)
|
4.375%
|
4.422%
|
|
10 Year (0 Points)
|
4.250%
|
4.317%
|
|
7 Year Balloon (0 Points)
|
4.875%
|
4.930%
|
|
Owner occupied purchase and refinance transactions, minimum down payment and credit score requirements and other retsrictions may apply. Call for rates on cash out refinances, condominiums, and 2-4 family properties. APR based on loan amount of $150.000.00 Rates subject to change |
||
|
Adjustable Rates (ARM) Effective March 10, 2010 at 9:00 A.M. |
|||
|
Term
|
Interest Rate
|
Annual Percentage Rate
|
|
|
1/1 ARM
|
3.250%
|
3.374%
|
Plan #720 - Not Convertible
|
|
3/1 ARM
|
4.000%
|
4.026%
|
Plan #651 - Not Convertible
|
|
5/1 ARM
|
4.750%
|
4.776%
|
Plan #659 and 660 - Not Convertible
|
|
APR based on loan amount of $150,000.00 Rates subject to change |
|||
|
First National Bank of Hartford Mortgages Effective: March 4, 2009 Last Review: March 4, 2009 |
||
|
Term
|
Interest Rate
|
Annual Percentage Rate
|
|
3/1 ARM
|
5.250%
|
5.253%
|
|
5/1 ARM
|
5.375%
|
5.378%
|
|
APR based on loan amount of $150,000.00 Rates subject to change |
||
|
Home Construction Loan Special Effective: March 4, 2009 Last Review: March 4, 2009 |
||
|
Term
|
Interest Rate
|
Annual Percentage Rate
|
|
1 Year
|
4.750%
|
5.178%
|
|
1 Year - (rate without checking)
|
5.000%
|
5.429%
|
|
APR based on loan amount of $150,000.00 Rates subject to change |
||
|
Lot Loans Effective: March 4, 2009 Last Review: March 4, 2009 |
||
|
Term
|
Interest Rate
|
Annual Percentage Rate
|
|
1 Year
|
5.000%
|
5.157%
|
|
3 Year
|
5.750%
|
5.908%
|
|
APR based on loan amount of $75,000.00, 15 year amortization Rates subject to change |
||
|
Home Equity Lines *1st Lien Equivalent - Prime + 0.25% *2nd Mortgage only with First National Bank of Hartford - Prime + 0.50% Effective: February 19, 2009 Last Review: February 19, 2009 1. LENGTH OF TERM FOR ALL HOME EQUITY LINES OF CREDIT IS 5 YEARS. 2. THE RATES FOR ALL LINES OF CREDIT ARE VARIABLE AND ARE SUBJECT TO CHANGE AT ANY TIME. MAXIMUM APR: 18%, MINIMUM APR: 4%. 3. REQUIRED MONTHLY PAYMENT IS AMOUNT OF ACCRUED INTEREST ONLY. ENTIRE BALANCE IS DUE AT END OF TERM (A BALLOON PAYMENT MAY BE REQUIRED). 4. MINIMUM AMOUNT FOR EACH CREDIT ADVANCE IS $500. 5. THERE IS A 3-DAY WAITING PERIOD BETWEEN CLOSING AND THE FIRST DRAW ON ALL LINES OF CREDIT. 6. ALL HOME EQUITY LINES OF CREDIT AVAILABLE ON 1-4 FAMILY OWNER OCCUPIED RESIDENCES. 7. PROPERTY INSURANCE IS REQUIRED. 8. OFFER SUBJECT TO END AT ANY TIME. PLEASE ASK FOR ALL APPLICABLE RESTRICTIONS, REQUIREMENTS AND DISCLOSURES. 9. Max. LTV = 80% |
|
CURRENT PRIME RATE EFFECTIVE December 17, 2008 3.25% APR (AS PUBLISHED IN THE WALL STREET JOURNAL) Variable Index * Prime Rate 3.25% effective December 17, 2008 |
|
Home Equity Loans 2nd Mortgage only with First National Bank of Hartford Effective: March 4, 2009 Last Review: March 4, 2009 |
||
|
Term
|
Interest Rate
|
Annual Percentage Rate
|
|
1 Year
|
5.500%
|
5.721%
|
|
3 Year
|
5.750%
|
5.836%
|
|
5 Year
|
6.000%
|
6.057%
|
|
APR based on loan amount of $50,000.00, 20 year amortization Max. LTV = 75% Rates subject to change |
||
|
Home Equity Loans 1st Lien Equivalent Effective: March 4, 2009 Last Review: March 4, 2009 |
||
|
Term
|
Interest Rate
|
Annual Percentage Rate
|
|
1 Year
|
5.250%
|
5.470%
|
|
3 Year
|
5.500%
|
5.585%
|
|
5 Year
|
5.750%
|
5.807%
|
|
APR based on loan amount of $50,000.00, 20 year amortization Max. LTV = 80% Rates subject to change |
||
|
Auto Loan Rates Effective: January 6, 2010 Last Review: January 6, 2010 |
|||
|
Term
|
up to 36 months
|
48 months
|
60 months
|
|
2010 – 2009 new
|
5.375%
|
5.500%
|
6.000%
|
|
2010 – 2009 used
|
5.750%
|
6.000%
|
6.250%
|
|
2008 – 2007
|
6.000%
|
6.250%
|
|
|
2006 – 2005
|
7.000%
|
||
|
* 25 basis point reduction on any auto loan which has an automatic payment taken from a checking account at the First National Bank of Hartford. Rates subject to change |
|||
