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Savings Rates

(Personal and Commercial Banking)

Effective: August 27, 2008
Savings Account Rates*
Account (Term) Annual Percentage Yield (APY) Balance To Earn Minimum APY Balance To Open Account Interest Rate
Passbook Account
(No Term) Variable Rate		 0.75% $100.00 $100.00 0.75%
Statement Savings Account (No Term) Variable Rate 0.75% $100.00 $100.00 0.75%
91 Day Certificate 2.75% $500.00 $500.00 2.71%
6 Month Certificate** (Term: 182 Days) 2.75% $500.00 $500.00 2.71%
10 Month Certificate ** 3.20% $500.00 $500.00 3.15%
1 Year Certificate**
(Term: 1 year)		 3.20% $500.00 $500.00 3.15%
18 Month Certificate (Renewals Only) ** 3.20% $500.00 $500.00 3.15%
20 Month Certificate** 3.20% $500.00 $500.00 3.15%
2 Year Certificate** 3.30% $500.00 $500.00 3.25%
30-59 Month Certificate** 3.75% $500.00 $500.00 3.68%
60 Month Certificate** 4.10% $500.00 $500.00 4.02%

** Individual Retirement Certificate Accounts are available only at these terms and rate with a minimum account balance of $250.00.
 


Money Market Account*
Account Balance Annual Percentage Yield (APY) Interest Rate
$0.00 - $4,999.99

0.750%

 0.750%
$5,000 - $19,999.99 1.010% 1.000%
$20,000 - $29,999.99 1.250% 1.240%
$30,000 - $59,999.99 1.500% 1.490%
$60,000 -$99,999.99 1.750% 1.730%
$100,000 - $149,999.99 2.000% 1.980%
$150,000 and over 2.250% 2.230%


Health Savings Account*
Account Balance Annual Percentage Yield (APY) Interest Rate
$0 - $4,999.99 1.250% 1.240%
$5,000 - $9,999.99 2.250% 2.230%
$10,000 and over 3.000% 2.960%


 

 

 

Checking Accounts*
VALUE CHECKING
INTEREST
RATE		 ANNUAL
PERCENTAGE
YIELD		 BALANCE
TO OPEN
ACCOUNT		 MINIMUM BALANCE
TO AVOID MONTHLY SERVICE FEE		 COMPOUNDING
METHOD		  OTHER
INTEREST
FEATURES

 

N/A

 

N/A

 

$100.00

 

N/A

 

N/A

 

N/A

 

PREMIUM CHECKING ACCOUNT*

 Daily Balance

 Annual Percentage Yield (APY)

 Interest Rate

$0.00

-

 $9,999.99

0.750%

0.750%

$10,000.00

-

$29,999.99

1.500%

1.490%

$30,000.00 and over

2.250%

2.230%

*Any Annual Percentage Yield (APY) provided in this disclosure assumes interest will remain on deposit until maturity for accounts with terms, or for at least one year for accounts with no term. A withdrawal will reduce earnings. Rates for accounts with no specific maturities are subject to change at any time. Fixed rates for accounts with specific maturities are in effect until maturity. Interest is compounded daily. See your disclosures for additional information about your account.
 

 

Loan Rates

Residential Rate Sheet
Effective: July 21, 2008

1-4  FAMILY OWNER OCCUPIED **,
UP TO 100% FINANCING ON PURCHASES & REFINANCES
WITH PMI ON LOANS OVER 80%
 

30 YEARS FIXED

6.750% NO POINTS & NO ORIG. FEE

APR 6.550%

15 YEARS FIXED

6.250% NO POINTS & NO ORIG. FEE

APR 6.084%

JUMBO* 30 YEARS FIXED

8.500% NO POINTS & 1.50 ORIG. FEE

APR 8.596%

JUMBO* 7/1 ARM/30 YR. AMOR

9.125% NO POINTS & 1.75 ORIG. FEE

APR 9.312%

JUMBO* 15 YEARS FIXED

7.625%  1 POINT & 1.50 ORIG. FEE

APR 8.076%

 

 

 

 

ARM LOANS 1-4 FAMILY OWNER OCCUPIED
 UP TO 95% FINANCING ON PURCHASES & 90% ON REFINANCES WITH PMI
 

3/1 ARM CONFORMING – 6.500% +     1.00 Orig.

     3/1 ARM NON-CONFORMING – 9.000% + 3.00 Orig.

5/1 ARM CONFORMING – 6.750% +    1.00 Orig.

     5/1 ARM NON-CONFORMING -  9.375% + 2.00 Orig.

7/1 ARM CONFORMING – 6.750% +    1.50 Orig.

     7/1 ARM NON-CONFORMING -  9.375% + 2.00 Orig.


 

RENOVATION LOAN
OWNER OCCUPIED & QUALIFYING INVESTMENT PROPERTY LOANS AVAILABLE
90% ACQUISITION + RENOVATION COSTS OR 80% LTV ON APPRAISED VALUE AFTER COMPLETION (UP TO 100% OF ACQUISITION + RENOVATION COSTS)

*6 month interest only then converts to permanent financing with a refinance*
  • Prime + .750% + 1% origination fee floating.
  • Investment Property = Prime + 1.50% + 1% origination fee floating.

 

 

1-4 FAMILY - NON OWNER OCCUPIED **

 

30 YEARS

7.125% NO POINTS & NO ORIG. FEE

APR 6.960%

20 YEARS

7.000% NO POINTS & NO ORIG. FEE

APR 6.822%

15 YEARS

6.750% NO POINTS & NO ORIG. FEE

APR 6.590%

 

RESIDENTIAL LOT LOANS  ** 

15 year amortization ** 80%  <  OF SALES  PRICE / APPRAISAL
 

 2 YEAR BALLOON –INTEREST ONLY – FLOATING – RATES START AT PRIME +. 25 + 0 PTS + 0 ORIG. FEE*

   *ADDITIONAL DISCOUNTS MAY APPLY 

3 YEAR BALLOON – FIXED – RATES START AT PRIME + .25 + 0 PTS + 0 ORIG. FEE*

   *ADDITIONAL DISCOUNTS MAY APPLY 

5 YEAR BALLOON – FIXED – RATES START AS PRIME + . 25 + 0 PTS + 0 ORIG. FEE*
   *ADDITIONAL DISCOUNTS MAY APPLY

15 YEAR FIXED RATE  7.990 % + 0 POINTS + 0 ORIGINATION FEE

 

*   -.25 % FOR RELATIONSHIP PRICING (MINIMUM DEPOSIT/LOAN RELATIONSHIP OF 10% OF LOAN AMOUNT ) & -.25 % FOR AUTO DEBIT FROM GSB CHECKING ACCOUNT

 

 

EQUITY LINE OF CREDIT **
95% MAXIMUM LTV OWNER OCCUPIED PROPERTY
 

- No Closing Costs

- Subordinate Financing

- 10 year repayment term

- Interest only and term loan available

 

CONSTRUCTION  LOANS

ONE TIME CLOSING 5/1 ARM & 30 YR FIXED AVAILABLE
80% MAXIMUM LTV

-12 Month Interest Only Construction Term

-Rate is Prime +.75% with a 1% Origination Fee

-Two Time Closing Option is Available
Convertible with Refinance to 30 year fixed
 

 

 

** RATES SUBJECT TO CHANGE WITHOUT NOTICE
 

* JUMBO = Any residential mortgage loan greater than $417,000.00

**APR calculated on $100,000.00 loan amounts.  Loan amounts for single family residence, 20% down payment and are subject to change without notice.

         ***The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate.  The APR shown here is based on interest rates and points only and does not take into account other loan specific finance charges you may be required to pay.

 

 
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