| PERSONAL BANKING |
|
Although this page is updated periodically, rates may change with market conditions. Please contact our office at (715) 423-8100 for the most current rate information. Interest rates accurate as of 09/02/2008 @ 8:30 am |
| SAVINGS | ||
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Interest Rate
|
APY
|
|
|
Statement Savings Account*
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1.15%
|
1.17%
|
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Kid$ Count Savings
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1.15%
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1.17%
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Christmas Club
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3.00%
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3.08%
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| MONEY MARKET | ||
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Interest Rate
|
APY
|
|
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Money Market Deposit Account*
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1.65%
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1.66%
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$10,000 Minimum
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2.15%
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2.17%
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$25,000 Minimum
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2.40%
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2.43%
|
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$50,000 Minimum
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2.65%
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2.68%
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$100,000 Minimum
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2.90%
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2.94%
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| CHECKING | ||
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Interest Rate
|
APY
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|
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Performance Checking / Performance Gold*
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||
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$50 Minimum
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1.00%
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1.00%
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$2,500 Minimum
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1.15%
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1.16%
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* Rate subject to change after the account is opened. Fees could reduce earnings on the account. |
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| INVESTMENTS |
|
Interest rates accurate as of 09/02/2008 @ 8:30 am |
| CERTIFICATES OF DEPOSIT | |||
|
Term
|
Minimum Deposit
|
Interest Rate
|
APY
|
|
91 Day
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$2,500.00
|
2.60%
|
2.66%
|
|
6 Month
|
$2,500.00
|
2.75%
|
2.81%
|
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6 Month
|
$50,000.00
|
2.80%
|
2.86%
|
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12 Month
|
$100.00
|
2.85%
|
2.92%
|
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18 Month
|
$100.00
|
3.15%
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3.23%
|
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24 Month
|
$100.00
|
3.20%
|
3.28%
|
|
30 Month
|
$100.00
|
3.20%
|
3.30%
|
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36 Month
|
$100.00
|
3.40%
|
3.49%
|
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Special CDs
|
|||
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8 Month
|
$2,500.00
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3.05%
|
3.11%
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13 Month CD/IRA
|
$100.00
|
3.10%
|
3.18%
|
| Deposits insured by FDIC. Penalties may be imposed for early withdrawal of funds from Certificate of Deposit Accounts. | |||
| INDIVIDUAL RETIREMENT ACCOUNTS (IRA) | ||
|
Interest Rate
|
APY
|
|
|
Traditional IRA
|
||
|
12 Month Certificate
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2.85%
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2.92%
|
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18 Month Certificate
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3.15%
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3.25%
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24 Month Certificate
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3.20%
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3.28%
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36 Month Certificate
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3.40%
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3.49%
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ROTH IRA
|
||
|
12 Month Certificate
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2.85%
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2.92%
|
|
24 Month Certificate
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3.20%
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3.28%
|
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36 Month Certificate
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3.40%
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3.49%
|
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Education Savings
|
||
|
12 Month Certificate
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2.85%
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2.92%
|
|
24 Month Certificate
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3.20%
|
3.28%
|
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36 Month Certificate
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3.40%
|
3.49%
|
|
Deposits insured by FDIC. Penalties may be imposed for early withdrawal of funds from Certificate of Deposit Accounts. |
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| CONSUMER LOANS |
|
Interest rates accurate as of 08/29/08 @ 8:30 am |
| NEW VEHICLES (2007) | ||
|
Maximum Term
|
% Financed
|
Rate1
|
|
36 Months
|
80%
|
5.54%
|
|
90%
|
5.69%
|
|
|
100%
|
5.84%
|
|
|
48 Months
|
80%
|
5.69%
|
|
90%
|
5.84%
|
|
|
100%
|
5.99%
|
|
|
60 Months
|
80%
|
5.84%
|
|
90%
|
5.99%
|
|
|
100%
|
6.14%
|
|
|
72 Months
|
80%
|
5.99%
|
|
90%
|
6.14%
|
|
|
100%
|
6.29%
|
|
| USED VEHICLES | |||
|
Categories
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Maximum Term
|
% Financed
|
Rate1,2
|
|
2005-2007
|
36 Months
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100%
|
6.14%
|
|
48 Months
|
6.34%
|
||
|
60 Months
|
6.54%
|
||
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2001-2004
|
36 Months
|
100%
|
6.34%
|
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48 Months
|
6.59%
|
||
|
60 Months
|
6.84%
|
||
|
1998-2000
|
24 Months
|
100%
|
7.29%
|
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36 Months
|
7.79%
|
||
|
48 Months
|
8.54%
|
||
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NEW RECREATIONAL VEHICLES (2007) Campers, Motorcycles, Snowmobiles, 4-Wheelers,Etc. |
||
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Maximum Term
|
% Financed
|
Rate1,3
|
|
36 Months
|
90%
|
6.23%
|
|
48 Months
|
90%
|
6.48%
|
|
60 Months
|
90%
|
6.73%
|
|
72 Months
|
90%
|
6.98%
|
|
USED RECREATIONAL VEHICLES Campers, Motorcycles, Snowmobiles, 4-Wheelers, Etc |
|||
|
Categories
|
Maximum Term
|
% Financed
|
Rate1,3
|
|
2005-2007
|
36 Months
|
90%
|
6.49%
|
|
48 Months
|
6.69%
|
||
|
60 Months
|
6.89%
|
||
|
2001-2004
|
36 Months
|
90%
|
6.69%
|
|
48 Months
|
6.94%
|
||
|
60 Months
|
7.19%
|
||
|
1998-2000
|
24 Months
|
90%
|
7.64%
|
|
36 Months
|
8.14%
|
||
|
48 Months
|
8.89%
|
||
| PERSONAL LOANS (Closed End) | |||
|
Maximum Term
|
Rate1
|
APR
|
Maximum Amount
|
|
24 Months
|
10.69%
|
10.69%
|
$2,500.00
|
|
36 Months
|
10.69%
|
10.69%
|
$5,000.00
|
|
48 Months
|
10.69%
|
10.69%
|
$10,000.00
|
| PERSONAL LINE OF CREDIT | |||
|
Maximum Term
|
Rate1,4
|
Rate1,4
|
Maximum Amount
|
|
84 Months
|
10.00%
|
$5,000.00
|
|
|
84 Months
|
9.00%
|
$10,000.00
|
|
| HOME EQUITY LOANS (Closed End) | |||
|
Maximum Term
|
% Financed
|
Rate1,5
|
APR
|
|
60 Months
|
Up to 80%
|
6.29%
|
6.29%
|
|
120 Months
|
Up to 80%
|
6.79%
|
6.79%
|
|
180 Months
|
Up to 80%
|
7.29%
|
7.29%
|
|
60 Months
|
81-90%
|
7.29%
|
7.29%
|
|
120 Months
|
81-90%
|
7.79%
|
7.79%
|
|
180 Months
|
81-90%
|
8.29%
|
8.29%
|
| HOME EQUITY LINE OF CREDIT | |||
|
Maximum Term
|
% Financed
|
Rate1,5,6
|
Rate1,5,6
|
|
84 Months
|
Up to 80%
|
5.00%
|
|
|
84 Months
|
81-90%
|
6.00%
|
|
| WHEDA HOME IMPROVEMENT LOANS | |||
|
Maximum Term
|
Income Limit 7
|
Rate
|
APR
|
|
120 Months
|
$71,760.00
|
Unavailable
|
Unavailable
|
|
180 Months
|
$71,760.00
|
Unavailable
|
Unavailable
|
|
(1) Rates apply to credit scores of 700 or higher, lower scores will result in higher rates. Automatic Payments from PCSA Checking or Savings Account set up on day of closing, deduct .25% from interest rate. PCSA Checking Account customers, deduct .25% from interest rate. Total of all applicable deductions will not exceed 1.00%. (2) Deduct .25% for used vehicle loans with 10% down payment. Deduct .50% for used vehicle with 20% down payment. (3) Deduct .25% for new and used recreational vehicle loans with 20% or more down payment. (4) Floor Rate is 8.50%, Ceiling Rate is 20.00%. (5) Add .50% if non-owner occupied. (6) Floor Rate is 4.50%, Ceiling Rate is 14.00%. (7) Income limit based on Wood County, limits will vary. |
|||
| MORTGAGE LOANS |
|
Interest rates accurate as of 08/29/08 @ 8:30 am |
| FIXED RATE MORTGAGE: Owner Occupied | ||
|
Term
|
Interest Rate
|
APR*
|
|
15 Year Fixed
|
6.000%
|
6.048%
|
|
20 Year Fixed
|
6.375%
|
6.414%
|
|
30 Year Fixed
|
6.500%
|
6.510%
|
| ADJUSTABLE RATE MORTGAGE (ARM): Owner Occupied | ||
|
Interest Rate
|
APR*
|
|
|
1/1 ARM
|
5.125%
|
6.371%
|
|
3/1/1 ARM
|
5.625%
|
6.301%
|
|
5/2/1 ARM
|
6.125%
|
6.379%
|
| OTHER | |||
|
Term
|
Interest Rate
|
APR*
|
|
|
WHEDA (First Time Buyer)
|
30 yrs
|
6.250%
|
6.303%
|
|
Federal VA
|
30 yrs
|
6.500%
|
6.938%
|
|
State VA
|
30 yrs
|
5.750%
|
5.859%
|
|
Construction
|
30 yrs
|
4.875%
|
5.917%
|
|
* Annual Percentage Rate (APR) is based on a $125,000.00 purchase price, a $25,000.00 down payment, a $100,000.00 loan, with 0.00% discount points, no mortgage insurance, and closing on the first day of a month. Rates subject to change without notice. |
|||
| SPECIALS | |||
|
Term
|
Minimum Deposit
|
Interest Rate
|
APY
|
|
8 Month CD
|
$2,500.00
|
3.05%
|
3.11%
|
|
13 Month CD/IRA
|
$100.00
|
3.10%
|
3.18%
|
