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Rates
Effective May 1, 2008
Personal and Business Indexed Money Market
Avg. Balance |
Rate |
APY (1) |
$1 - $4,999 |
1.14% |
1.15% |
$5,000 -
$249,999 |
2.08% |
2.10% |
$250,000 -
$499,999 |
2.27% |
2.30% |
Business Interest Checking Accounts
Avg. Balance |
Rate |
APY (1) |
$1.00 - $1,999 |
.25% |
.25% |
$2,000 - $9,999 |
.60% |
.60% |
$10,000 and over |
.75% |
.75% |
PERSONAL LOAN RATES
Loan Type |
Term |
APR (2) |
Unsecured Loan |
12 months |
13.90% |
Unsecured Loan |
24 months |
13.90% |
| Unsecured Loan |
36 months |
13.90% |
| Loan Secured by CD |
12-60 months |
CD Rate + 2% |
| Loan Secured by Savings |
12-36 months |
5.00% |
Home Equity Term Loans
Term |
APR (2) |
|
12 – 36 Months |
6.74% |
|
37– 60 Months |
6.90% |
|
61–
120 Months |
7.24% |
|
121- 180 Months |
7.49% |
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Home Equity Credit Lines
Prime minus 1.26% for the life of the loan
Term |
APR(2) |
Revolving |
6.49% |
Auto Loans
Type Auto
Loan |
Term |
APR (2) |
APR with Auto Deduct (3) |
New Auto,
100% of purchase price |
up to 36 months |
9.75% |
9.50% |
New Auto,
100% of
purchase price |
48 months |
10.00% |
9.75% |
New Auto,
100% of
purchase price
|
60 months |
10.25% |
10.00% |
New Auto,
100% of
purchase price,
depending on model |
72 months |
10.50% |
10.25% |
Overdraft Protection
Term |
APR (2) |
Minimum
Advance |
Life of checking account (Revolving) |
13.90% |
Exact amount of overdraft |
All rates quoted are effective
May 1, 2008.
Terms and rates are subject to change without notice.
For loan Disclosures, please see Individual Loan Product Page.
For deposit Disclosures, please see individual Deposit Products Page.
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Supreme Checking Accounts
Avg. Balance |
Interest Rate |
APY (1) |
$1.00 to $1,999.99 |
.25% |
.25% |
$2,000 to $9,999.99 |
.75% |
.75% |
$10,000 and over |
1.11% |
1.11% |
Certificates of Deposit & IRAs
***** 10 Month CD
Sale 2.90% APY ****(4)
***** 35 Month CD Sale 3.25% APY ****(4)
Term |
Interest Rate |
APY (1) |
7 Days(5) |
1.97% |
2.00% |
6 Months |
2.33% |
2.35% |
|
12 Months |
2.62% |
2.65% |
18 Months |
2.47% |
2.50% |
24 Months |
2.52% |
2.55% |
30 Months |
2.32% |
2.35% |
36 Months |
2.62% |
2.65% |
48 Months |
2.76% |
2.80% |
For CD's over $100,000 please call 856-439-0300 for competitive rates.
Statement Savings Account
$1.00 |
Rate 1.04% |
APY (1) 1.05% |
Tiered Statement Savings
Avg. Bal. |
Rate |
Yield |
1.00 - 5,000 |
1.00% |
1.00% |
| 5,001 and over |
1.14% |
1.15% |
(1) APY Represents Annual Percentage Yield
(2) APR Represents Annual Percentage Rate
(3) Auto Deduct Must be from Cornerstone Deposit Account
(4) Special CD Sale Rates not available for IRA's
(5) Minimum Balance $500.00
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