Rates effective as of 12/26/2012
*APY = Annual Percentage Yield
*Rates and APR are subject to change without notice.
| |
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
Interest
|
Annual
|
Minimum
|
Early
|
|
|
|
Certificate
|
Rate*
|
Precentage
|
Deposit
|
Withdrawal
|
|
|
|
|
|
Yield*
|
|
Penalty
|
|
|
|
|
|
|
|
|
|
|
|
91 Days
|
0.050%
|
0.050%
|
*$1,000.00
|
91 days
|
|
|
|
182 Days
|
0.100%
|
0.100%
|
*$1,000.00
|
91 days
|
|
|
|
09 Months
|
0.050%
|
0.050%
|
*$1,000.00
|
91 days
|
|
|
|
12 Months
|
0.150%
|
0.150%
|
*$1,000.00
|
180 days
|
|
|
|
18 Months
|
0.150%
|
0.150%
|
*$500.00
|
180 days
|
|
|
|
24 Months
|
0.300%
|
0.300%
|
*$500.00
|
180 days
|
|
|
|
30 Months
|
0.300%
|
0.300%
|
*$500.00
|
180 days
|
|
|
|
36 Months
|
0.400%
|
0.400%
|
*$500.00
|
180 days
|
|
|
|
42 Months
|
0.400%
|
0.400%
|
*$500.00
|
365 days
|
|
|
|
48 Months
|
0.500%
|
0.500%
|
*$500.00
|
365 days
|
|
|
|
60 Months
|
0.900%
|
0.900%
|
*$500.00
|
365 days
|
|
|
|
Variable 18 mo IRA
|
0.150%
|
0.150%
|
*$10.00
|
365 days
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
*APY = Annual Percentage Yield
*Rates and APR are subject to change without notice.
AUTO LOAN SPECIAL! RATES AS LOW AS 2.59%
Applicants must qualify. Special offer rates subject to change without notice.
| |
Auto Loan Rates |
|
|
|
|
| |
Model Year
|
Term
|
Rate*
|
APR*
|
|
| |
2012 |
60 mths |
3.85% |
4.45% |
|
|
|
2011
|
60 mths
|
3.85%
|
4.45%
|
|
|
|
2010
|
60 mths
|
4.95%
|
5.56%
|
|
|
|
2009
|
60 mths
|
5.95%
|
6.56%
|
|
|
|
2008
|
60 mths
|
6.25%
|
6.86%
|
|
|
|
2007
|
60 mths
|
6.50%
|
7.12%
|
|
|
|
2006
|
60 mths
|
7.25%
|
7.87%
|
|
| |
|
|
|
|
|
*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
| |
|
|
|
|
|
|
| |
Loan Type
|
Max. Term
|
Rate*
|
Points
|
APR*
|
|
|
|
|
|
|
|
|
|
|
|
30 Yr Fixed
|
30 Years
|
4.000%
|
1%
|
4.137%
|
|
|
|
|
|
|
|
|
|
|
|
20 Yr Fixed
|
20 Years
|
3.750%
|
1%
|
3.938%
|
|
|
|
|
|
|
|
|
|
|
|
15 Yr Fixed
|
15 Years
|
3.250%
|
1%
|
3.489%
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
*APR = Annual Percentage Rate
*All rates and APRs (Annual Percentage Rates) are accurate as of 11/07/2012 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% |
| |
|
|
*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.
