Saving Rates
      Loan Rates

Rates Effective as of:

July 1, 2010

Supersedes rates of  April 7, 2010

Subject to change at anytime without prior notice.

Last reviewed 7/01/2010
TERM

ANNUAL
PERCENTAGE
    YIELD     (APY)

 RATE

Regular Shares

1.26% 1.25%
Money Market* 1.61% 1.60%

Share drafts (Checking)

.25% .25%

Escrow

.25% .25%
IRA** 3.51% 3.45%

* Minimum opening deposit of $2,500; $2,500.00 balance must be maintained not to incur fees.  Minimum withdrawal $500;  up to 6 free withdrawals per statement period.  

** Funds insured additionally up to $250,000 by the NCUA a U.S. government agency.
SHARE CERTIFICATES

*APY - Calculated on the assumption that dividends remain on  deposit until maturity of share certificate.                             A penalty may be imposed upon early cancellation.
TERM  

Annual Percentage Yield (APY)*

 RATE
3 Month Certificate 1.66% 1.65%
6 Month Certificate 1.87% 1.85%
9 Month Certificate 1.92% 1.90%
12 Month Certificate  2.22%  2.20%
18 Month Certificate  2.33% 2.30%
24 Month Certificate 2.69%  2.65%
30 Month Certificate  2.74%  2.70%
36 Month Certificate  2.79% 2.75%
48 Month Certificate  2.89%  2.85%
60 Month Certificate  3.41%  3.35%

 

 


 Mortgage Rates |  Home Equity Loan Rates |  Cooperative & Condominiums |  MBL Investments | MBL Owner Occupied | MBL Non-Owner Occupied | Consumer Loan Rates

 

MORTGAGE RATES

As of July 1, 2010

Supersedes rates of June 17, 2010.  

 Subject to change at any time.

There is a $200 application fee for all mortgages.  Refundable at closing.

Other variations of terms are available.  See Lending Manager.

Points can be paid on all mortgage types to buy-down rate. 

Each point is equal to 10 basis points off applicable rate up to 3 points.

1-4 Family Home - Residential Owner Occupied

       FIRST MORTGAGE        

TERM RATE APR COST PER $1000
10 year FIXED RATE 4.20% 4.2003 10.22
12 year FIXED RATE 4.25% 4.2558 8.88
15 year FIXED RATE  4.30% 4.3037 7.55
20 year FIXED RATE  4.80% 4.8008 6.49
25 year FIXED RATE 4.90% 4.9038 5.79

   10 YEAR BALLOON -  

20 yr PAYOUT 

 4.40% 4.3951 6.27

   12 YEAR BALLOON -

25 yr PAYOUT

  4.60% 4.6083 5.62
1 year variable --      30 years 3.65 - no points
 6.7807 4.57
3 year variable --      30 years  3.80- no points
 		6.6800 4.66
5 year variable --      30 years 3.85 - no points
 		6.4699 4.69
7 year Variable --      28 years 4.05- no points 6.1007 4.98
3 year Fixed - 1 year Variable / 30 years  3.75- no points 6.4700 4.63
5 year Fixed - 1 year Variable / 30 years 3.85 - no points 6.2076 4.69
7 year Fixed - 1 year Variable / 30 years 3.90- no points 5.9486 4.72

 

     HOME EQUITY 

    LOAN RATES

 As of July 1, 2010

                    (Supersedes rates of June 17,  2010)              

subject to change at any time.

TERM RATE APR COST PER $1,000
10 YEARS FIXED  5.35% 5.3531 10.78
15 YEARS FIXED 5.45% 5.4418 8.14

 

COOPERATIVE/CONDOMINIUM/TOWNHOUSES RATES

     Residential Owner Occupied

         As of July 1, 2010

(Supersedes rates of June 17, 2010)

subject to change at any time.

TERM RATE APR COST PER $1000
10 year Fixed Rate 4.25% 4.2422 10.24
12 year Fixed Rate  4.30% 4.2966 8.90
15 year Fixed Rate 4.35% 4.3431 7.57
20 year Fixed Rate 4.85% 4.8555 6.52
25 year Fixed Rate 4.95% 4.9555 5.82
10 year Balloon/ 20 year PAYOUT 4.45% 4.4509 6.30
12 year Balloon/ 25 year PAYOUT 4.65% 4.6433 5.64
1 year Variable - 30  years                        3.70 - no points
 		6.8242 4.60
3 year Variable - 30 years

                       3.85 no points

6.7215 4.69
5 year Variable - 30 years

                      3.90 no points

6.5103 4.72
7 year Variable - 28 years 4.10 - no points 6.1424 5.01
3 year Fixed - 1 year Variable/ 30 years 3.80 - no points  6.5127 4.66
5 year Fixed - 1 year Variable/ 30 years 3.90 - no points 6.2498 4.72
7 year Fixed - 1 year Variable/ 30 years 3.95 - no points 5.9908 4.75

 

JUMBO MORTGAGES

Residential, Co-ops and Condos

Applies to loans over $500,000. Call for details.

Add 25 basis points to applicable rate.

   Note: There is a $200 application fee for all mortgages, refundable at closing

 

As of July 1, 2010

subject to change at any time.

MBL INVESTMENTS -

10 YEAR FIXED

 

Rating 1.00 - 6.0000% Rating 1.75 - 6.1875%

Rating 2.50 - 6.3750%
Rating 1.25 - 6.0625% Rating 2.00 - 6.2500% Rating 2.75 - 6.4375%
Rating 1.50 - 6.1250% Rating 2.25 - 6.3125% Rating 3.00 - 6.5000%

 

VARIABLE RATE PRICING

 

RATING = 1 1.5 2 2.5 3
1 YEAR ARM 5.125% 5.250% 5.375% 5.500% 5.6250%
3 YEAR ARM 5.250% 5.375% 5.500% 5.625% 5.7500%
5 YEAR ARM 5.375% 5.500% 5.625% 5.750% 5.8750%
6 YEAR ARM  

5.500%

 

  

5.625%

 		 5.750% 5.875% 6.0000%

 

 

MBL OWNER OCCUPIED 5-8 FAMILIES

 

10 year fixed (Self Liquidating) 5.15%
12 years fixed (Self Liquidating) 5.30%
10 year balloon (Any Amortization) 5.35%
12 year balloon (Any Amortization) 5.55%

   NEW....             

         Variable Rate Pricing:

6 YEAR ARM less .25bp off the above rate
5 YEAR ARM less .375bp off the above rate
3 YEAR ARM less .50bp off the above rate
1 YEAR ARM less .625bp off the above rate

 

MBL NON-OWNER OCCUPIED 1-4 FAMILIES

10 year fixed (Self Liquidating)

5.15%
12 years fixed (Self Liquidating) 5.30%
10 year balloon (Any Amortization) 5.35%
12 year balloon (Any Amortization) 5.55%

Variable Rate Pricing:

6 YEAR ARM less .25bp off the above rate
5 YEAR ARM less .375bp off the above rate
3 YEAR ARM less .50bp off the above rate
1 YEAR ARM less .625bp off the above rate

FOR INTEREST RATE INDICES USED TO DETERMINE VARIABLE RATE LOANS, PLEASE CALL THE LOAN DEPARTMENT.

CONSUMER LOAN RATES

As of July 1, 2010

subject to change at any time

 

1. Secured by SHARES
LOAN TERM RATE
1 year or less (share +125bp)  2.50%
2 years or less (share + 150bp)  2.75%
3 years or less (share + 175bp)  3.00%
4 years or less (share + 200bp)  3.25%
5 years or less (share + 235bp)  3.60%
Interest only - 3 years or less 3.45%
Third party share secured ADD 15 Basis points

2. Secured by MONEY MARKET ACCOUNT
LOAN TERM RATE
1 year or less (MMA rate + 150bp) 3.10%
2 years or less (MMA rate + 175bp)  3.35%
3 years or less (MMA rate + 200bp) 3.60%
Interest only - 3 years or less  3.80%
3. Secured by CERTIFICATES
TERM OF LOAN RATE
1 year or less    3.50%
2 years or less    4.05%
3 years or less    4.25%
4 years or less      4.30%
5 years or less      4.75%
 Interest only - 3 years or less 4.45%
Third party CD share secured ADD 15 Basis points
4. Unsecured Personal Loans
Loan Term Rate
Up to 3 years 12.00%
Between 3 to 5 years 12.25%

AUTO LOANS

 

5. NEW AUTO Loans -          

 up to 95% of Purchase Price, $50,000 max per loan:
Loan Term

Rate 
1 year 4.25%
2 years 5.00%
3 years  5.50%
4 years  5.75%
5 years  6.20%


6. USED AUTOS - up to 85% of Purchase Price,  $30,000 maximum per loan; on 2005 or newer models.
2005 - 3 years max 7.00%
2006- 3 years max 7.00%
2007 - 4 years max  6.75%
2008 - 4 years max 6.75%

 

7.  New Car Refinancing 

- Up to 18 months old 

- Original owner / Dealer Certified

- same terms and rates as new cars

 

VISA CREDIT CARDS

 

8.  CLASSIC  -    9.95%* (No Annual Fee)

       GOLD        -    9.50%* (No Annual Fee)

  PLATINUM -   8.90%*(No Annual Fee)

 

9. Stock Secured

Up to 5 years

9.00%

Up to 50% of Market Value NO LIMIT

 

10. Self Reliance Student Loan

7.80%

                                

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