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Rates

Fixed Rate Mortgage Loans

Current as of June 22, 2017

Mortgage Rates are Subject to Change Without Notice

Click here to contact a lending professional for information pertaining to adjustable rate loans.

 

TermInterest RateAPR (Annual Percentage Rate)Monthly Principal and Interest
30 year 3.875% 3.895% $587.80
20 year 3.500% 3.527% $724.95
15 year 3.125% 3.159% $870.76
10 year 3.125% 3.175% $1,214.24

Rates above assume a 740 credit score. Rates are quoted with "NO POINTS". The quoted Annual Percentage Rate (APR) assumes a 20 percent down payment and a loan balance of $125,000 and an anticipated 30 day rate lock period. Above rates assume monthly escrow for Real Estate taxes. If the down payment is less than 20 percent, mortgage insurance may be needed which could increase the APR. Payments shown above do not include taxes and insurance premiums, if applicable, the actual payment obligation will be greater. Rates and terms are subject to change without notice

USDA Fixed Rate Loans

 

TermInterest RateAPR (Annual Percentage Rate)Monthly Principal and Interest
30 year 3.750% 4.430% $578.89

Rates above assume a 640 credit score. Rates are quoted with "NO POINTS". USDA loans require a 1.00% guarantee fee that may be financed into the loan, along with a monthly fee based upon the loan amount. The quoted Annual Percentage Rate (APR) assumes a 0% down payment and a loan balance of $125,000. Principal and interest calculated on purchase price of $125,000 including guarantee fees. Payment shown does not include taxes and insurance, and the actual payment obligation may be higher. USDA income guidelines apply, along with USDA property eligibility. Rates and terms are subject to change without notice.

 

FHA and VA Financing

We now offer FHA and VA home financing, please contact a lending professional for more information.

 

Deposit Rates

Rate and Annual Percentage Yield (APY) are accurate as of June 22, 2017

Contact us for IRA rates

Account TypeMinimum RequiredRateAnnual Percentage Yield (APY) %Compounded
31 Day CD $ 20,000.00 0.10 % 0.10 % Maturity
91 Day CD $ 2,500.00 0.10 % 0.10 % Maturity
182 Day CD $ 1,000.00 0.15 % 0.15 % Maturity
333 Day CD $ 1,000.00 0.20 % 0.20 % Maturity
4 Month CD $ 1,000.00 0.10 % 0.10 % Maturity
6 Month CD $ 1,000.00 0.15 % 0.15 % Maturity
8 Month CD $ 1,000.00 0.15 % 0.15 % Maturity
11 Month CD $ 1,000.00 0.20 % 0.20 % Maturity
12 Month CD $ 1,000.00 0.20 % 0.20 % Quarterly
18 Month CD $ 500.00 0.30 % 0.30 % Semi-Annual
20 Month CD $ 1,000.00 0.30 % 0.30 % Annual
24 Month CD $ 500.00 0.40 % 0.40 % Semi-Annual
30 Month CD $ 500.00 0.40 % 0.40 % Semi-Annual
36 Month CD $ 500.00 0.70 % 0.70 % Semi-Annual
42 Month CD $ 500.00 0.70 % 0.70 % Semi-Annual
60 Month CD $ 500.00 1.50 % 1.51 % Semi-Annual
Citizens Choice $ 1,000.00 0.10 % 0.10 % Weekly
Wealth Builder MM $ 1,000.00 -
$ 24,999.99
0.15 % 0.15 % Monthly
  $ 25,000.00 -
$ 49,999.99
0.15 % 0.15 % Monthly
  $ 50,000.00 - OVER 0.20 % 0.20 % Monthly
Citizens Savings $ 100.00 0.15 % 0.16 % Quarterly

Annual Percentage Yield (APY) is based on the minimum opening deposit required and term interest is compounded assuming principal and interest remain on deposit. Interest rate and APY subject to change without notice. Fees may reduce earnings. Penalty on CD for early withdrawal.