Why we're different!My family has lived and conducted business here in Delaware County for 5 generations. We have seen the changes that a growing community with new business can bring, and the benefits of conducting business operations local and with local people. Like my father, and forefathers, I have relied on the services of local businesses to keep our operations running smoothly, while continuing to reinvest in our community... more » |
Going Out of the Country?please let us know |
Rates effective as of February 2, 2012. All rates subject to change without notice.
| Mortgages Loans | Points | Interest Rate | APR |
|---|---|---|---|
| 30 yr. Fixed Rate | 3 | 3.75% | 4.00% |
| 15 yr. Fixed Rate | 3 | 3.125% | 3.57% |
| 30 yr. Fixed Rate | 0 | 4.125% | 4.125% |
| 20 yr. Fixed Rate | 0 | 3.75% | 3.75% |
| 15 yr. Fixed Rate | 0 | 3.50% | 3.50% |
| 30 yr. 1yr.Adjustable | 3 | Please Call | Please Call |
| 30 yr. Fixed Rate Jumbo | 3 | 4.00% | 4.26% |
| 15 yr. Fixed Rate Jumbo | 3 | 3.375% | 3.82% |
| 30 yr. Fixed Rate Jumbo | 0 | 4.375% | 4.375% |
| 15 yr. Fixed Rate Jumbo | 0 | 3.75% | 3.75% |
| A 5% minimum down payment is required. Private Mortgage Insurance (PMI) is required for loans with a down payment less than 20%. The APR shown assumes a 20% down payment. | |||
| A 30 Year, fixed rate, 3 point mortgage for $100,000 with a 20% down payment would have a monthly payment of $463.12 with an APR of 4.00%. Property insurance is required for all mortgage loans. | |||
| Closed End Home Equity Loans | Interest Rate | APR |
|---|---|---|
| 5 yr. Fixed Rate Home Equity | 3.75% | 3.75% |
| 10 yr. Fixed Rate Home Equity | 4.00% | 4.00% |
| 15 yr. Fixed Rate Home Equity | 4.50% | 4.50% |
| 20 yr. Fixed Rate Home Equity | 4.75% | 4.75% |
| 25 yr. Fixed Rate Home Equity | 5.00% | 5.00% |
| The maximum loan to value for a Home Equity Loan is 80%. A 5 year fixed rate Home Equity Loan for $20,000 would have a monthly payment of $366.08, with an APR of 3.75%. Property insurance is required for all Home Equity Loans. | ||
| Closed End Automobile and Personal Loans | APR with Auto Pay | APR with Coupon Book |
|---|---|---|
| 36 Month Fixed Rate New Auto | 6.25% | 6.75% |
| 48 Month Fixed Rate New Auto | 6.50% | 7.00% |
| 60 Month Fixed Rate New Auto | 6.75% | 7.25% |
| 48 Month Fixed Rate Personal | 10.75% | 11.25% |
| 48 Month Fixed Rate Debt Consolidation | 12.75% | 13.25% |
| 48 Month Fixed Rate Used Auto | 7.25% | 7.75% |
| A 20% minimum down payment is required for auto loans. A 36 month new auto loan for $10,000, automatically debited from an Iron Workers checking or savings account would have a monthly payment of $305.35, with an APR of 6.25%. | ||
| Comprehensive automobile insurance is required for all automobile loans. | ||
