TIME DEPOSITS
| Term |
Rate |
CD-APY |
IRA-APY |
| 90 days |
2.13% |
2.15% |
2.15% |
| 180 days |
2.39% |
2.40% |
2.42% |
| 1 year |
2.48% |
2.50% |
2.51% |
| 2 years |
2.72% |
2.75% |
2.75% |
| 3 years |
2.77% |
2.80% |
2.81% |
| 4 years |
3.06% |
3.10% |
3.10% |
| 5 years |
3.21% |
3.25% |
3.26% |
CERTIFICATES OF DEPOSIT & INDIVIDUAL RETIREMENT ACCOUNTS
Minimum to open and obtain the APY for a C D is $1,000
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 05/13/08.
SAVINGS ACCOUNT
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 05/13/08.
NOW ACCOUNT & CLASSIC
| Interest Rate |
APY |
| 0.25% |
0.25% |
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 05/13/08.
MONEY MARKET ACCOUNT
| Minimum to obtain APY |
Rate |
APY |
| $1,000 - $9,999 |
0.45% |
0.45% |
| $10,000 - $24,999 |
0.65% |
0.65% |
| $25,000 - $99,999 |
0.75% |
0.75% |
| over $100,000 |
0.90% |
0.90% |
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 05/13/08.
INVESTMENT ACCOUNT
| Minimum to obtain APY |
Rate |
APY |
| $25,000 - $99,999 |
0.95% |
0.95% |
| $100,000 - $199,999 |
1.30% |
1.31% |
| $200,000 - $499,999 |
1.45% |
1.46% |
| over $500,000 |
1.65% |
1.66% |
The minimum to open is $25,000
The interest rate and APY will change each Tuesday
The annual percentage yield is current through 05/19/08.
CENTRANET FREEDOM
| Minimum to obtain APY |
Interest Rate |
APY* |
| $1,000 - $9,999 |
0.45% |
0.45% |
| over - $10,000 |
1.20% |
1.21% |
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 05/13/08.
Home Equity Rates
| Amount |
Term |
Annual Percentage Rate |
| $10,000 - $25,000 |
1 year |
6.500% |
| |
3 year |
7.000% |
| |
5 year |
7.625% |
| |
7 year |
7.875% |
| |
10 year |
8.375% |
| $25,001 & over |
1 year |
6.000% |
| |
3 year |
6.500% |
| |
5 year |
7.125% |
| |
7 year |
7.375% |
| |
10 year |
7.875% |
Certain qualifications and restrictions may apply. Please contact a Central National Bank Lending Officer for further information.
Home Loan Rates
| Term |
Annual Percentage Rate* |
| 1 year |
5.500% |
| 3 year |
6.000% |
| 5 year |
6.625% |
Adjustable Rate Mortgage (ARM)
| Term |
Annual Percentage Rate* |
| 1 year |
5.500% |
| 3 year |
6.000% |
| 5 year |
6.625% |
*20% Down Payment
**Note: Certain qualifications and restrictions may apply. The rate shown for Adjustable Rate Mortgages maybe increased after consummation. Please contact a Central National Bank Lending Officer for further information.**
Auto Rates
| Year |
Term |
Annual Percentage Rate |
| New 2008 |
48-60 Months |
6.50% |
| |
36 Months |
6.00% |
| Used 2007 |
48 Months |
7.50% |
| Used 2006 |
48 Months |
7.75% |
| Used 2005 |
42 Months |
8.75% |
| Used 2004 |
36 Months |
9.00% |
| Used 2003 & Older |
36 Months |
10.00% |
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.
