Rates
Deposit Rates
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Certificates of Deposit / Individual Retirement Accounts Rates Subject to Change Effective July 17, 2008 |
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Term
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Interest Rate
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Annual Percentage Yield
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Three Months
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2.084%
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2.10%
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Six Months
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2.280%
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2.30%
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Twelve Months
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2.477%
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2.50%
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Eighteen Months
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2.575%
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2.60%
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Twenty-Four Months
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2.722%
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2.75%
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Thirty Months - The Opportunity CD
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3.113%
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3.15%
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Thirty-Six Months
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3.455%
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3.50%
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Forty-Eight Months
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4.426%
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4.50%
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Sixty Months
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4.619%
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4.70%
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Early withdrawals subject to substantial penalty Interest on CD's compound quarterly. Minimum deposit of $1,500.00 on THE OPPORTUNITY CD. All other certificates are a minimum of $500.00. |
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Other Interest-Bearing Accounts
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Interest Rate
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Annual Percentage Yield
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PRIMETIME CHECKING
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0.300%
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0.30%
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FNB INTEREST CHECKING
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0.250%
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0.25%
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MONEY MARKET
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$2,500.00 to $9,999.99
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.549%
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.55%
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$10,000.00 to $24,999.99
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.698%
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.70%
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$25,000.00 to above
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.896%
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.90%
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PLATINUM HIGH YIELD MONEY MARKET
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$2,500.00 to $24,999.99
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0.499%
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.50%
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$25,000.00 to above
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2.080%
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2.10%
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STATEMENT/PASSBOOK SAVINGS*
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0.400%
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0.40%
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CHOICE SAVINGS ACCOUNT
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0.650%
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0.65%
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KID’S CLUB/TEEN SAVINGS
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0.400%
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0.40%
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HEALTH SAVINGS ACCOUNT
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$500.00 or greater and less than $2,499.99
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.747%
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.75%
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$2,500.00 or greater and less than $9,999.99
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1.243%
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1.25%
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$10,000.00 or more
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1.736%
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1.75%
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| *A balance of less than $50.00 in a Statement Savings Account is subject to a $1.00 monthly maintenance fee. A balance of less than $50.00 in a Passbook Savings Account is subject to a $12.00 annual maintenance fee. Fees could reduce earnings. | ||
Loan Rates
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Fixed Rate Mortgages Effective August 29, 2008 at 8:50 A.M. |
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Term
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Interest Rate
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Annual Percentage Rate
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40 Year (0 Points)
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6.875%
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6.878%
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30 Year (0 Points)
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6.500%
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6.503%
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20 Year (0 Points)
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6.500%
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6.505%
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15 Year (0 Points)
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6.000%
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6.006%
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10 Year (0 Points)
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5.875%
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5.883%
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7 Year Balloon (0 Points)
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6.500%
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6.506%
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APR based on loan amount of $150.000.00 Rates subject to change |
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Adjustable Rates (ARM) Effective August 29, 2008 at 8:50 A.M. |
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Term
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Interest Rate
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Annual Percentage Rate
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1/1 ARM
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5.250%
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5.253%
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Plan #720 - Not Convertible
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3/1 ARM
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5.750%
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5.753%
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Plan #651 - Not Convertible
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5/1 ARM
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6.250%
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6.253%
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Plan #659 and 660 - Not Convertible
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APR based on loan amount of $150,000.00 Rates subject to change |
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First National Bank of Hartford Mortgages Effective August 22, 2008 |
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Term
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Interest Rate
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Annual Percentage Rate
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3/1 ARM
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5.375%
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5.378%
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APR based on loan amount of $150,000.00 Rates subject to change |
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Home Construction Loan Special Effective June 19, 2008 |
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Term
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Interest Rate
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Annual Percentage Rate
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1 Year
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5.000%
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5.429%
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1 Year - (rate without checking)
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5.250%
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5.600%
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APR based on loan amount of $150,000.00 Rates subject to change |
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Lot Loans Effective January 10, 2008 |
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Term
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Interest Rate
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Annual Percentage Rate
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1 Year
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5.250%
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5.678%
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3 Year
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6.250%
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6.409%
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APR based on loan amount of $75,000.00, 15 year amortization Rates subject to change |
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Home Equity Lines CURRENT PRIME RATE EFFECTIVE MAY 1, 2008: 5.00% APR (AS PUBLISHED IN THE WALL STREET JOURNAL) |
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Variable Index * Prime Rate 5.000% effective May 1, 2008
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1. LENGTH OF TERM FOR ALL HOME EQUITY LINES OF CREDIT IS 5 YEARS. 2. THE RATES FOR ALL LINES OF CREDIT ARE VARIABLE AND ARE SUBJECT TO CHANGE AT ANY TIME. MAXIMUM APR: 18%, MINIMUM APR: 4%. 3. REQUIRED MONTHLY PAYMENT IS AMOUNT OF ACCRUED INTEREST ONLY. ENTIRE BALANCE IS DUE AT END OF TERM (A BALLOON PAYMENT MAY BE REQUIRED). 4. MINIMUM AMOUNT FOR EACH CREDIT ADVANCE IS $500. 5. THERE IS A 3-DAY WAITING PERIOD BETWEEN CLOSING AND THE FIRST DRAW ON ALL LINES OF CREDIT. 6. ALL HOME EQUITY LINES OF CREDIT AVAILABLE ON 1-4 FAMILY OWNER OCCUPIED RESIDENCES. 7. PROPERTY INSURANCE IS REQUIRED. 8. OFFER SUBJECT TO END AT ANY TIME. PLEASE ASK FOR ALL APPLICABLE RESTRICTIONS, REQUIREMENTS AND DISCLOSURES. 9. Max. LTV = 80% |
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Home Equity Loans 2nd Mortgage only with First National Bank of Hartford Effective June 19, 2008 |
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Term
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Interest Rate
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Annual Percentage Rate
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1 Year
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5.750%
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5.971%
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3 Year
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6.000%
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6.081%
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5 Year
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6.250%
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6.307%
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APR based on loan amount of $50,000.00, 20 year amortization Max. LTV = 80% Rates subject to change |
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Home Equity Loans 1st Lien Equivalent Effective June 19, 2008 |
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Term
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Interest Rate
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Annual Percentage Rate
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1 Year
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5.500%
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5.721%
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3 Year
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5.750%
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5.831%
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5 Year
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6.000%
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6.057%
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APR based on loan amount of $50,000.00, 20 year amortization Max. LTV = 80% Rates subject to change |
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Auto Loan Rates Effective June 19, 2008 |
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Term
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up to 36 months
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48 months
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60 months
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2008 – 2007 new
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5.875%
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6.000%
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6.500%
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2008 – 2007 used
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6.250%
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6.500%
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6.750%
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2006 – 2005
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6.500%
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6.750%
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2004 – 2003
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7.500%
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* 25 basis point reduction on any auto loan which has an automatic payment taken from a checking account at the First National Bank of Hartford. Rates subject to change |
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