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 »

 

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Loan Rates

Rates effective as of August 19, 2013. All rates subject to change without notice.

Mortgages LoansPointsInterest RateAPR
10 yr. Fixed Rate 0 3.25% 3.28%
30 yr. Fixed Rate 3 3.875% 4.13%
15 yr. Fixed Rate 3 3.125% 3.57%
30 yr. Fixed Rate 0 4.25% 4.28%
20 yr. Fixed Rate 0 3.75% 3.78%
15 yr. Fixed Rate 0 3.50% 3.53%
30 yr. 1yr.Adjustable 3 Please Call Please Call
30 yr. Fixed Rate Jumbo 3 4.125% 4.38%
15 yr. Fixed Rate Jumbo 3 3.375% 3.82%
30 yr. Fixed Rate Jumbo 0 4.52% 4.53%
15 yr. Fixed Rate Jumbo 0 3.75% 3.78%
A 5% minimum down payment is required. Private Mortgage Insurance (PMI) is required for loans with a down payment less than 20%. The annual percentage rate (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 $470.32 with an annual percentage rate (APR) of 4.13%. Property insurance is required for all mortgage loans.

 

Closed End Home Equity LoansInterest RateAPR
5 yr. Fixed Rate Home Equity 3.50% 3.50%
10 yr. Fixed Rate Home Equity 3.75% 3.75%
15 yr. Fixed Rate Home Equity 4.00% 4.00%
20 yr. Fixed Rate Home Equity 4.25% 4.25%
25 yr. Fixed Rate Home Equity 4.50% 4.50%
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 $363.83, with an annual percentage rate (APR) of 3.50%. Property insurance is required for all Home Equity Loans.

 

Closed End Automobile and Personal LoansAPR with Auto PayAPR 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 annual percentage rate (APR) of 6.25%.
Comprehensive automobile insurance is required for all automobile loans.