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RATE INFORMATIONAPY (Annual Percentage Yield) and (APR) Annual Percentage Rate
is accurate as of 7/17/10.
Rates Subject to Change Without Notice. Checking Account Rates
| Account Type |
Minimum Deposit To Open Account
|
Minimum Balance To Obtain APY*
|
Interest Rate |
APY* (Annual Percentage Yield) |
Power Plus Checking
more information |
$10,000 |
$250,000 |
1.00% |
1.00% |
Power Plus Checking
|
$10,000 |
$50,000 to $249,999 |
1.00% |
1.00% |
Power Plus Checking
|
$10,000 |
$25,000 to $49,999 |
1.00% |
1.00% |
Power Plus Checking
|
$10,000 |
$10,000 to $24,999 |
0.75% |
0.75% |
| NOW Account1 |
$100 |
$100 |
0.25% |
0.25% |
APY (Annual Percentage Yield). Interest rates are variable and are subject to change without notice. Minimum deposit to open account is $10,000 and Minimum balance to obtain APY of 1.00% APY is $250,000, balances that fall below $249,999 but above $50,000 will be subject to APY of 1.00% and balances that fall below $49,999 but above $25,000 will be subject to APY of 1.00%, balances that fall below $24,999 but above $10,000 will be subject to APY of 0.75% and accounts that fall below $10,000 will be subject to APY of regular NOW account. Subject to certain requirements and or restrictions. Balances that fall below $500 are subject to $5.00 per month service fee. Fees could reduce earnings on account. Offer can be withdrawn at any time. Maximum balance $500,000. Consumer Accounts Only.
Savings Accounts
| Account Type |
Minimum Deposit To Open Account
|
Minimum Balance To Obtain APY*
|
Interest Rate |
APY* (Annual Percentage Yield) |
| Passbook Savings |
$1.00 |
$100 |
0.50% |
0.50% |
| Money Market |
$100 |
$1,000 |
0.75% |
0.75% |
Rates may change after account is open.
Certificates Of Deposit (CD)**
| Account Type |
Minimum Deposit To Open Account
|
Minimum Balance To Obtain APY*
|
Interest Rate |
APY* (Annual Percentage Yield) |
| 3 Month CD |
$5,000 |
$5,000 |
0.75% |
0.75% |
6 Month CD |
$500 |
$500 |
0.75% |
0.75% |
12 Month CD |
$500 |
$500 |
1.25% |
1.25% |
15 Month CD |
$500 |
$500 |
1.49% |
1.50% |
18 Month CD |
$500 |
$500 |
1.74% |
1.75% |
30 Month CD |
$500 |
$500 |
1.99% |
2.00% |
36 Month CD |
$500 |
$500 |
2.48% |
2.50% |
48 Month CD |
$500 |
$500 |
2.73% |
2.75% |
60 Month CD |
$500 |
$500 |
2.97% |
3.00% |
**Substantial Penalty for early withdrawal on all Certificates Of Deposit
Individual Retirement Accounts
| Account Type |
Minimum Deposit To Open Account
|
Minimum Balance To Obtain APY*
|
Interest Rate |
APY* (Annual Percentage Yield) |
| 12 Month IRA CD |
$250 |
$250 |
1.25% |
1.25% |
30 Month IRA CD |
$250 |
$250 |
1.99% |
2.00% |
60 Month CD |
$250 |
$250 |
2.97% |
3.00% |
**Substantial Penalty for early withdrawal on all Certificates Of Deposit
PLEASE NOTE WE ONLY LEND IN THE FOLLOWING COUNTIES:
PENNSYLVANIA: Philadelphia, Bucks, Montgomery, Chester, Delaware
NEW JERSEY: Burlington, Camden, Cumberland, Gloucester, Atlantic, Ocean, Cape May
LOAN RATES
Mortgage
Term
|
Interest Rate
|
APR*
(Annual Percentage Rate) |
Points |
| 15 YEAR |
5.00% |
5.00% |
0 |
| 20 YEAR |
5.25% |
5.25% |
0 |
| 30 YEAR |
5.50% |
5.50% |
0 |
Credit Report Fee $50.00 (Non-Refundable) Due at time of application. LTV (Loan to value) of 90% or higher requires PMI (Minimum down payment required is 5%). Rates subject to change without notice. For a $100,000 mortgage with 0 points for 30 years at 5.50% APR monthly payment would be $567.79. Subject to credit approval. Home Equity Loan
Term
|
Interest Rate |
APR*
(Annual Percentage Rate) |
| 5 YEAR |
4.50% |
4.50% |
| 10 YEAR |
4.75% |
4.75% |
| 15 YEAR |
5.00% |
5.00% |
| 20 YEAR |
5.50% |
5.50% |
| 25 YEAR |
5.75% |
5.75% |
For a $10,000 loan monthly payment would be $186.43 for 5 year term at 4.50% APR. Rates subject to change without notice. Maximum loan amount $417,000. Minimum loan amount $5,000. Owner occupied property only. Homeowner property insurance required. If loan is repaid in full within 36 months a loan documentation preparation fee of $500 will apply. Subject to credit approval. Auto Loan
Term
|
Interest Rate |
APR*(Annual Percentage Rate) |
12 to 36 Months 2010 Model Year-100% LTV |
3.25% |
3.25% |
48 to 60 Months 2010 Model Year-100% LTV |
3.50% |
3.50% |
72 Months 2010 Model Year-100% LTV |
4.00% |
4.00% |
12 to 60 Months 2009 Model Year-100% LTV |
4.00% |
4.00% |
72 Months 2009 Model Year-100% LTV |
4.25% |
4.25% |
12 to 60 Months 2008 Model Year-100% LTV |
4.00% |
4.00% |
12 to 60 Months 2007 Model Year-90% LTV |
5.00% |
5.00% |
12 to 60 Months 2006 Model Year-85% LTV |
5.00% |
5.00% |
12 to 36 Months 2005 Model Year-80% LTV |
5.50% |
5.50% |
Rates subject to change without notice. For a 2010 model year $20,000 loan for 48 months at 3.50% APR monthly payment would be $447.12. Other rates and terms available call branch to find out details. (LTV) Loan to Value may be higher or lower depending upon year of vehicle. Rates listed reflect a 0.25% annual percentage rate (APR) discount when you authorize us to auto deduct your payment from a Washington Savings Bank checking account otherwise APR is higher. Loans on used 2005 to 2010 models available. Subject to credit approval.
Personal Loan
Term
|
Interest Rate |
APR* (Annual Percentage Rate) |
| 12 to 60 Months |
8.99%* |
8.99%* |
Rates subject to change without notice. For a $5,000 loan, monthly payment would be $103.77 for 5 year term at 8.99% APR. Minimum loan amount $1,000, Maximum loan amount $50,000. Loan payment must be deducted from a Washington Savings Bank checking account. If the automatic payment deduction is not elected APR increases to 9.99%. Subject to credit approval. Business Owner Occupied Mortgage (BOOM) Loan
Term
|
Interest Rate
|
APR*
(Annual Percentage Rate) |
| 15 YEAR |
5.75% |
5.75% |
| 20 YEAR |
6.00% |
6.00% |
Application fee of $750.00 for loans of $100,000 or less and $1,250.00 for loans of $100,001 or more Non-Refundable) Due at time of application. For a $50,000 loan at 6.00% APR monthly payment would be $358.22 for a 20 year loan. If loan is repaid in full within 36 months a loan documentation preparation fee of $500 will be included in loan payoff amount. Must be owner occupied and principal place of business. **Maximum loan amount $500,000, 80% LTV (loan to value) or lower, 1st postion only. Rates subject to change without notice.
*(APY) ANNUAL PERCENTAGE YIELD AND (APR) ANNUAL PERCENTAGE RATE IS ACCURATE AS OF 7/17/10. RATES SUBJECT TO CHANGE WITHOUT NOTICE.
Member FDIC
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