Personal Banking

Rates Accurate as of May 17, 2012

 

Checking Account Rates
Checking Account Interest Rate Semi-Annual (APY*) Monthly
(APY*)		 Min. Deposit
to Open		 Min. Balance to Earn APY*
Now Checking **  0.05 N/A  0.05  $1,000  NONE
Super Now Checking **  0.05  N/A   0.05  $2,500 $.01 - 2,499.99
Super Now Checking **  0.075  N/A   0.075  $2,500 $2,500.00 +
*APY = Annual Percentage Yield
**The Rate may change after the account is opened.

Rates are subject to change.
Fees could reduce the earnings on the above accounts.
Additional information is available upon request.

 

Savings Account Rates and Tiered Money Market Savings
Savings Accounts Interest Rate Semi-Annual (APY*) Monthly
(APY*)		 Min. Deposit
to Open		 Min. Balance to Earn APY*
Statement Savings**  0.05 0.05  N/A $100  NONE
Christmas Club**  0.10  N/A   N/A $100 NONE
Money Market Savings**  0.05  N/A   0.05 $2,500 $.01 - 2,499.99
Money Market Savings** 0.05 N/A 0.05 $2,500 $2,500 - $9,999.99
Money Market Savings** 0.10 N/A 0.10 $2,500 $10,000 - $24,999.99
Money Market Savings** 0.20 N/A 0.20 $2,500 $25,000 - $49,999.99
Money Market Savings** 0.25 N/A 0.25 $2,500 $50,000 - $74,999.99
Money Market Savings** 0.25 N/A 0.25 $2,500 $75,000 - $99,999.99
Money Market Savings** 0.30 N/A 0.30 $2,500 $100,000 +
*APY = Annual Percentage Yield
**The Rate may change after the account is opened.

 Rates are subject to change.
Fees could reduce the earnings on the above accounts
Additional information is available upon request.
A Penalty may be imposed for early withdrawal from the Christmas Club.

 

Certificate of Deposit or Traditional/Roth IRA
Tiers Interest Rate Semi-Annual (APY*) Min. Deposit to Open
3 Month CD 0.20 N/A $2,500
6 Month CD 0.25  N/A $2,500
12 Month CD 0.55 0.55 $500
15 Month CD 0.65 0.65 $500
24 Month CD 0.85 0.85 $500
36 Month CD 1.05 1.05 $500
48 Month CD 1.30 1.30 $500
60 Month CD 1.50 1.51 $500
18 Month IRA 1.00 1.00 $100
*APY = Annual Percentage Yield
**The Rate may change after the account is opened.

Rates are subject to change.
Fees could reduce the earnings on the above accounts.
Additional information is available upon request.
A Penalty may be imposed for early withdrawal from CD's and IRA's.

 

Mortgage Loans $50,000 to $99,999
  Rate APR* Monthly Payment Est. Closing Costs
30 Year Fixed Rate Loans 3.750% 3.794% $370.49 $1,044.00
15 Year Fixed Rate Loans 3.125% 3.202% $557.29 $1,044.00
*APR=Annual Percentage Rate

Please note the following:
•See the Loan Assumptions Below. Monthly Payment and Estimated Closing Costs are based on the information in Loan Assumptions for $50,000 to $99,999 shown below.
•These interest rates and APRs are subject to change without notice.
•The monthly payment shown only includes your principal and interest payment. Your total monthly obligation will be higher with an escrow account or if your loan requires private mortgage insurance.
•Your APR will vary based on your final loan amount and finance charges.

Today's rates will first be posted by 11:00 A.M. CST
Please call for 20 year and 10 year rates.

 

Mortgage Loans $100,000 or more
  Rate APR* Monthly Payment Est. Closing Costs
30 Year Fixed Rate Loans 3.625% 3.648% $684.08 $1,044.00
15 Year Fixed Rate Loans 3.000% 3.041% $1,035.87 $1,044.00
*APR=Annual Percentage Rate

Please note the following:
•See the Loan Assumptions Below. Monthly Payment and Estimated Closing Costs are based on the information in Loan Assumptions for $100,000 or more shown below.
•These interest rates and APRs are subject to change without notice.
•The monthly payment shown only includes your principal and interest payment. Your total monthly obligation will be higher with an escrow account or if your loan requires private mortgage insurance.
•Your APR will vary based on your final loan amount and finance charges.

Today's rates will first be posted by 11:00 A.M. CST
Please call for 20 year and 10 year rates.

 

Loan Assumptions for $50,000 to $99,999
• Existing single family home 
• Primary residence 
• Purchase price:$100,000 
• Loan amount: $80,000 
• Escrow account included 
• Rate lock period: 45 days 
• State: Wisconsin 
• County: Manitowoc/Sheboygan 
Estimated Closing Costs Amount
Appraisal Fee $325.00
Underwriting Fee $425.00
Recording Fees $60.00
Title Insurance $225.00
Flood Determination $9.00
Total $1,044.00

 

Loan Assumptions for $100,000 or more
• Existing single family home 
• Primary residence 
• Purchase price:$187,500 
• Loan amount: $150,000 
• Escrow account included 
• Rate lock period: 45 days 
• State: Wisconsin 
• County: Manitowoc/Sheboygan 
Estimated Closing Costs Amount
Appraisal Fee $325.00
Underwriting Fee $425.00
Recording Fees $60.00
Title Insurance $225.00
Flood Determination $9.00
Total $1,044.00