Deposit Account & Loan Rates
Effective Date: 11/14/08
IRA Savings Account
Variable Rate
|
Interest Rate
|
Annual
Percentage Yield
|
|
1.00%
|
1.00%
|
New Century Money Market Account
Variable Rate
|
Balance
|
Rate
|
Annual
Percentage Yield
|
|
$.01 - $9,999.99
|
.50%
|
.50%
|
|
$10,000 - $49,999.99
|
.75%
|
.75%
|
|
$50,000 - $99,999.99
|
.75%
|
.75%
|
| $100,000 and Greater |
.75% |
.75% |
Callable Certificates of Deposit
$1,000 minimum balance required
|
Term
|
Non-Call Period
|
Interest Rate
|
Annual
Percentage Yield
|
|
18 Month
|
90 Days
|
2.50%
|
2.50%
|
|
3 Year
|
90 Days
|
3.00%
|
3.00%
|
|
5 Year
|
90 Days
|
3.25%
|
3.25%
|
|
7 Year
|
90 Days
|
3.50%
|
3.50%
|
|
Active Investment Account Interest Rate:
|
1.00% |
|
Annual Percentage Yield:
|
1.00% |
Fixed Rate Mortgages (1)
|
Maturity
|
Interest Rate
|
Points
|
APR
|
Monthly Payment
Per $1,000
|
|
15 Years
|
6.125%
|
0
|
6.15%
|
8.51
|
|
20 Years
|
6.25%
|
0
|
6.27%
|
7.31
|
|
25 Years
|
6.50%
|
0
|
6.517%
|
6.75
|
|
30 Years
|
6.50%
|
0
|
6.516%
|
6.32
|
Adjustable Rate Mortgages (1) (2)
|
Maturity
|
Interest Rate
|
Points
|
APR
|
Monthly Payment
Per $1,000
|
|
1 Year ARM
|
5.25%
|
0
|
4.54%
|
5.52
|
|
3-1
|
5.25%
|
0
|
4.65%
|
5.52
|
|
5-1
|
5.99%
|
0
|
5.03%
|
5.99
|
Home Equity Term Loans (1)
|
Maturity
|
Interest Rate
|
APR
|
Monthly Payment
Per $1,000
|
|
3 Years
|
5.75%
|
5.75%
|
30.31
|
|
5 Years
|
5.75%
|
5.75%
|
19.33
|
|
10 Years
|
6.75%
|
6.75%
|
11.48
|
|
15 Years
|
7.25%
|
7.25%
|
9.13
|
(1) All rates shown are with autodraft.
(2) Rates may change after consummation of loan.
Mortgage Fees
|
Document Preparation Fee.....
|
|
$150.00 |
|
Credit Report - Individual.....
|
|
$10.05
|
|
Credit Report - Two Individuals.....
|
|
$20.10
|
|
Credit Report - Married Couple.....
|
|
$16.39
|
|
Flood Certificate Fee.....
|
|
$12.00
|
|
Tax Service Fee.....
|
|
$97.00 |
|
Appraisal Fee - Multi-Unit Residence.....
|
|
$500.00
|
|
Appraisal Fee- Single Family Residence.....
|
|
$300.00
|
Commercial Loans
Penn Security's Base Rate
4.00% APR
Automobile Loans
|
Type
|
Maturity
|
Interest Rate
|
APR
|
Monthly Payment
Per $1,000
|
|
New Cars
|
3 Years
|
6.75%
|
6.75%
|
30.76
|
|
4 Years
|
6.75%
|
6.75%
|
23.83
|
|
5 Years
|
6.99%
|
6.99%
|
19.80
|
|
6 Years
|
7.49%
|
7.49%
|
17.29
|
|
Used Cars
2007 - 2006
|
3 Years
|
6.99%
|
6.99%
|
30.87
|
|
4 Years
|
7.25%
|
7.25%
|
24.06
|
|
5 Years
|
7.50%
|
7.50%
|
20.04
|
|
Used Cars
2005 - 2003
|
3 Years
|
7.49%
|
7.49%
|
31.10
|
|
4 Years
|
7.75%
|
7.75%
|
24.30
|
Credit Cards (MasterCard & VISA)
14.8% APR
NO ANNUAL FEE
(25 day grace period for payment in full to avoid interest charge.)
NOTE: All rates and fees are accurate as of the date shown above
and are subject to change without notice.
Other loans, rates and terms are available.
For additional information, call the branch office nearest you.
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© 2008 Penn Security Bank & Trust Company
A Subsidiary of Penseco Financial Services Corporation
Visit us at any one of our branch offices
or call us toll free: 800.327.0394
www.pennsecurity.com
|