CURRENT RATES

Personal Interest Checking Interest Rate Annual Percentage Yield .45% .45% On Balances of less than $2,500. .55% .55% on Balances over $2,500 <%=(rsCommA.Fields.Item("header").Value)%> Rates effective July 1, 2003. Rates may change after account is opened. Deposits insured by FDIC

 

Regular Savings Interest Rate Annual Percentage Yield 1.50% 1.51 Rates effective July 1, 2003. Rates may change after account is opened. Deposits insured by FDIC

 

 

MMDA Money Market Interest Rate Annual Percentage Yield Balance Required .60% .60% $0 to $2,499.99 .75% .75% $2,500.00 to $24,999.99 .95% .95% $25,000,00 to $49,999.99 1.00% 1.00% $50,000.00 to $74,999.99 1.10% 1.11% $75,000.00 and up Rates effective July 1, 2003. Rates may change after account is opened. Deposits insured by FDIC

 

Certificates of Deposit Term Minimum Balance Required Interest Rate Annual Percentage Yield 91 Days $500.00 85% 85% 182 Days $500.00 1.20% 1.20% 12 Months $500.00 1.60% 1.61% 18 Months $500.00 1.70% 1.71% 24 Months $500.00 1.75% 1.76% 30 Months $500.00 2.00% 2.02% 36 Months $500.00 2.50% 2.52% 48 Months $500.00 2.75% 2.78% 60 Months $500.00 3.40% 3.44% 72 Months $500.00 3.85% 3.91% 13 Months $500.00 1.60% 1.61% 19 Months $500.00 1.70% 1.71% 32 Months $500.00 2.00% 2.02% Rates effective July 1, 2003. Annual Percentage Yield calculated on a minimun balance of $500.00. All certificates of deposit are available for IRA's. A PENALTY MAY BE IMPOSED FOR EARLY WITHDRAWAL OF FUNDS. Deposits insured by FDIC

 

Mortgage Loan Rates are available upon request. Rates Quoted are for single family non-saleable owner occupied residencial property. Rates subject to change.

 

Auto Loan Rates Model Year Rate % APR Max Term Loan Amount PMT per $1,000.00 Year 2003 & 2002 6.00% 9.30% 36 Months $15,000 & greater $31.94 Year 2003 & 2002 7.00% 10.33% 36 Months $14,999 & less $32.42 Year 2003 & 2002 6.00% 8.53% 48 Months $15,000 & greater $24.66 Year 2003 & 2002 7.00% 9.54% 48 Months $14,999 & less $25.14 USED Year 2001 & 2000 7.00% 10.33% 36 Months NADA LV $10,000 & greater $32.42 Year 2001 & 2000 8.50% 11.87% 36 Months NADA LV $9,999 & less $33.15 Year 1999 7.00% 10.94% 30 Months NADA LV $10,000 & greater $38.25 Year 1999 8.50% 12.47% 30 Months NADA LV $10,000 & less $38.97 Year 1998 & 1997 7.00% 14.86% 24 Months NADA LV $10,000 & greater $47.01 Year 1998 & 1997 8.50% 13.40% 24 Months NADA LV $9,999 & less $47.73 Year 1996 7.00% 13.37% 18 Months NADA LV $10,000 & greater $61.62 Year 1996 8.50% 14.91% 18 Months NADA LV $9,999 or less $62.34 Year 1995 & older 10.00% 16.43% 18 Months NADA Loan Value $63.06 Rates effective August 4, 2003. A loan fee of $25.00 will be charged to bank customers ($50.00 for non-customers) and is included in the Annual Percentage Yield ("APY"}. A .25% discount on interest rate quoted for loans to customers when payment automatically deducted from B & L Bank Account.