TIME DEPOSITS
Term  Rate  CD-APY  IRA-APY 
90 days  0.40%  0.40%  0.40% 
180 days  0.50%  0.50%  0.50% 
1 year  0.70%  0.70%  0.70% 
2 year  0.90%  0.90%  0.90% 
3 year  1.15%  1.15%  1.15% 
5 year  1.74%  1.75%  1.75% 
CERTIFICATES OF DEPOSIT & INDIVIDUAL RETIREMENT ACCOUNTS
Minimum to open and obtain the APY for a CD is $1000.
Minimum to open and obtain the APY for an IRA is $500.
The APY assumes the principal and interest will remain on deposit for one year. A penalty for early withdrawal may be imposed.
The Annual Percentage Yield is effective as of 09/27/11

 

SAVINGS ACCOUNT
Rate  APY 
0.25%  0.25% 
The minimum to open is $50, the minimum to obtain the APY is $1.
The interest rate and APY may change after the account is opened.
The effects of fees could reduce earnings.
The Annual Percentage Yield is effective as of 09/27/11

 

NOW ACCOUNT & CLASSIC
Interest Rate  APY 
0.15%  0.15% 
The minimum to open is $50, minimum to obtain the APY is $1.
The interest rate and APY may change after the account is opened.
The effects of fees could reduce earnings.
The Annual Percentage Yield is effective as of 09/27/11.

 

MONEY MARKET ACCOUNT
Minimum to obtain APY  Rate  APY 
$1,000 - $9,999  0.15%  0.15% 
$10,000 - $24,999  0.25%  0.25% 
$25,000 - $99,999  0.35%  0.35% 
over $100,000  0.65%  0.65% 
The minimum to open is $50.
The interest rate and APY may change after the account is opened.
The effects of fees could reduce earnings.
The Annual Percentage Yield is effective as of 9/27/11.

 

INVESTMENT ACCOUNT
Minimum to obtain APY  Rate  APY 
$25,000 - $99,999  0.45%  0.45% 
$100,000 - $199,999  0.65%  0.65% 
$200,000 - $499,999  0.80%  0.80% 
over $500,000  1.00%  1.00% 
The minimum to open is $25,000.
The interest rate and APY may change after the account is opened.
The Annual Percentage Yield is effective as of 09/27/11.

 

CENTRANET FREEDOM
Minimum to obtain APY  Interest Rate  APY* 
$1,000 - $9,999  0.15%  0.15% 
over - $10,000  0.45%  0.45% 
The minimum to open is $10,000.
The interest rate and APY may change after the account is opened.
The annual percentage yield is effective as of 09/27/11.

 

Home Equity Rates
Term  Annual Percentage Rate 
1-10 year 

 

Home Loan Rates
Term  Annual Percentage Rate 
1 - 5 year 

 

Adjustable Rate Mortgage (ARM)
Term  Annual Percentage Rate 
1 - 5 year 
*Certain qualifications and restrictions may apply. The rate for Adjustable Rate Mortgages may increase after consummation. Please contact a Central National Bank Lending Officer for further information.

 

Auto Rates
Year  Term  Annual Percentage Rate 
New 2012  48-60 Months  5.50% 
  36 Months  5.00% 
Used 2011  48 Months  6.50% 
Used 2010  48 Months  7.00% 
Used 2009  42 Months  7.50% 
Used 2008  36 Months  8.00% 
Used 2007 & Older  36 Months  8.50% 

Member FDIC

  • Same day approval.
  • Flexible terms.
  • No prepayment penalty.
  • 10% minimum down payment required.
  • Rate is fixed for the term of the loan.
  • Personal service.

Certain qualifications and restrictions may apply. Please contact a Central National Bank Lending Officer for further information.

 

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