Rates effective as of 01/06/2012
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Savings and Checking
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Minimum Balance
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Dividend/ Interest Rate*
|
APY*
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| Christmas Club |
1.00
|
.50
|
.50
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| Saving Account |
10.00
|
.10
|
.10
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| Regular Checking |
N/A
|
non-interest
|
N/A
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| Now Interest Checking |
200.00
|
.05
|
.05
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| Now Interest Checking (Balance over $2500.00) |
2500.00
|
.10
|
.10
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| MMDA Checking (6 check maximum per month) |
1000..00
|
.10
|
.10
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*APY = Annual Percentage Yield
*Rates and APR are subject to change without notice.
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Interest
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Annual
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Minimum
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Early
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Certificate
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Rate*
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Precentage
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Deposit
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Withdrawal
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Yield*
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Penalty
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91 Days
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0.050%
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0.050%
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*$1,000.00
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91 days
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182 Days
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0.200%
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0.200%
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*$1,000.00
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91 days
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09 Months
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0.050%
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0.050%
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*$1,000.00
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91 days
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12 Months
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0.150%
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0.150%
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*$1,000.00
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180 days
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18 Months
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0.150%
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0.150%
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*$500.00
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180 days
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24 Months
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0.300%
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0.300%
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*$500.00
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180 days
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30 Months
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0.250%
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0.250%
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*$500.00
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180 days
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36 Months
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0.400%
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0.400%
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*$500.00
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180 days
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42 Months
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0.700%
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0.700%
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*$500.00
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365 days
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48 Months
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0.700%
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0.700%
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*$500.00
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365 days
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60 Months
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1.100%
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1.100%
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*$500.00
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365 days
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Variable 18 mo IRA
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0.150%
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0.150%
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*$10.00
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365 days
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*APY = Annual Percentage Yield
*Rates and APR are subject to change without notice.
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Auto Loan Rates |
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Model Year
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Term
|
Rate*
|
APR*
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2012 |
60 mths |
3.85% |
3.85% |
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2011
|
60 mths
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3.85%
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3.85%
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2010
|
60 mths
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4.95%
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5.50%
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2009
|
60 mths
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5.95%
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6.50%
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2008
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60 mths
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6.25%
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6.95%
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2007
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60 mths
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6.50%
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6.95%
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2006
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60 mths
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7.25%
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7.75%
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*APR = Annual Percentage Rate
FOR PERSONAL, UNSECURED & BUSINESS LOANS PLEASE CONTACT BFSB
*Rates and APR are subject to change without notice.
*These Rates and APR’s assume a $10,000 Loan Amount and a Processing Fee.
Single Family / Owner -Occupied Mortgage Rates
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Loan Type
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Max. Term
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Rate*
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Points
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APR*
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30 Yr Fixed
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30 Years
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4.000%
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1%
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4.137%
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20 Yr Fixed
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20 Years
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3.750%
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1%
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3.938%
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15 Yr Fixed
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15 Years
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3.250%
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1%
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3.489%
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10 Yr Fixed
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10 Years
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3.250%
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0.5%
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3.490%
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U.S.D.A 100% Financing
|
Rural Housing
|
4.250%
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4.5%
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4.699%
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*APR = Annual Percentage Rate
*All rates and APRs (Annual Percentage Rates) are accurate as of 08/26/09 and subject to change without notice. Your APR will vary based on your final loan amount and finance charges. These loans have a maximum Loan-to-Value (LTV) of 90%. LTVs above 80% require Private Mortgage Insurance (PMI), which could increase the APR. The above APRs assume a 20% down payment with a loan amount of $100,000 for a maximum term disclosed and closed on the last day of the month. In order to guarantee these rates a complete loan application must be submitted and a Rate-Lock Agreement (when applicable) must be signed.
Home Equity and Improvement Loans
| Term |
Rate* |
Apr* |
| 5 Years |
5.950% |
6.495% |
| 10 Years |
6.500% |
6.794% |
| 15 Years |
6.950% |
7.162% |
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*APR = Annual Percentage Rate
* All rates and APR’s are subject to change without notice.
APR’s assume a $10,000 loan amount at the maximum term.
Maximum Loan-to-Value is 75%.
Call BFSB for more information.
