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Rates Effective:
February 3, 2012
APY refers to Annual Percentage Yield.
Investments
|
| Product |
Minimum Deposit |
Rate (%) |
APY (%) |
| Certificate of Deposit |
|
|
|
| 91 Day |
$2,500 |
0.15 |
0.15 |
| 6 Month |
$2,500 |
0.20 |
0.20 |
| 1 Year |
$500 |
0.30 |
0.30 |
| 2 Year |
$500 |
0.55 |
0.55 |
| 3 Year |
$500 |
0.75 |
0.75 |
| 4 Year |
$500 |
1.05 |
1.05 |
| 5 Year |
$500 |
1.30 |
1.30 |
| 6 Year |
$500 |
1.30 |
1.30 |
| 7 Year |
$500 |
1.30 |
1.30 |
| 8 Year |
$500 |
1.30 |
1.30 |
| 9 Year |
$500 |
1.30 |
1.30 |
| 10 Year |
$500 |
1.30 |
1.30 |
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| 18 Month Money Market Certificate-Variable Rate Account |
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| *18 Month |
$500 |
0.075 |
0.075 |
| *Rate may change after account is opened |
| A penalty may be imposed for early withdrawal |
| Minimum deposit is equal to minimum balance to obtain APY |
| CONTACT ANY BRANCH OFFICE FOR JUMBO CERTIFICATE RATE QUOTES |
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| Premiere Moneymarket Fund |
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| $1,000 - $9,999.99 |
N/A |
0.10 |
0.10 |
| $10,000 - $24,999.99 |
N/A |
0.13 |
0.13 |
| $25,000 - $49,999.99 |
N/A |
0.15 |
0.15 |
| $50,000 + |
N/A |
0.20 |
0.20 |
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| Other Savings & Checking Programs Available |
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LOAN RATES
Rates Effective:February 3, 2012
APR refers to Annual
Percentage Rate.
First Mortgage Loans
Single Family, Owner Occupied Properties
|
| Term |
Loan Amount |
Rate(%) |
Points (%) |
APR(%) |
Payment/$1,000 |
| 15 Yr Conforming |
$0 - $417,000 |
3.25 |
0 |
3.358 |
$7.03 |
| 15 Yr Jumbo |
$417,001 - $650,000 |
5.25 |
0 |
5.48 |
$8.04 |
| 20 Yr Conforming |
$0 - $417,000 |
3.625 |
0 |
3.714 |
$5.86 |
| 30 Yr Conforming |
$0 - $417,000 |
3.875 |
0 |
3.94 |
$4.70 |
| 30 Yr Jumbo |
$417,001 - $650,000 |
6.00 |
0 |
6.15 |
$6.00 |
| 1/1 ARM |
$0 - $417,000 |
3.00 |
0 |
3.14 |
$4.22 |
| 3/1 ARM |
$0 - $417,000 |
5.00 |
0 |
5.05 |
$5.37 |
| 5/1 ARM |
$0 - $417,000 |
5.25 |
0 |
5.30 |
5.52 |
| 7/23 ARM |
$0 - $417,000 |
5.75 |
0 |
5.80 |
$5.84 |
| 10/1 ARM |
$0 - $417,000 |
5.75 |
0 |
5.80 |
$5.84 |
| Jumbo APR Rates are available, please contact the Loan Division for terms and conditions. |
| All APR's and monthly payments identified above assume a transaction with a $417,000 loan at the fee and term identified. |
| If the term is not identified, a 30 year term is assumed. |
|
Home Equity Loans HOME EQUITY RATES QUOTED ARE FOR LOAN AMOUNTS $25,000 AND UP. CONTACT LOAN DIVISION FOR RATES ON LOAN AMOUNTS $5,000-$24,999 724-935-7400
|
| Type |
LTV Ratio |
Term |
Rate(%) |
APR(%) |
Payment/$1,000 |
| Fixed Home Equity |
Up to 80% |
36 mos |
3.75 |
4.09 |
$29.41 |
| |
|
60 mos |
4.25 |
4.48 |
$18.53 |
| |
|
84 mos |
4.50 |
4.67 |
$13.90 |
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|
120 mos |
4.50 |
4.62 |
$10.36 |
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|
180 mos |
5.00 |
5.09 |
$7.91 |
| |
81% to 90% |
36 mos |
4.75 |
5.15 |
$29.86 |
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|
60 mos |
5.25 |
5.51 |
$18.99 |
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84 mos |
5.50 |
5.70 |
$14.37 |
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120 mos |
5.50 |
5.64 |
$10.85 |
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180 mos |
6.00 |
6.11 |
$8.44 |
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91% to 100% |
36 mos |
5.75 |
6.21 |
$30.31 |
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60 mos |
6.25 |
6.55 |
$19.45 |
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84 mos |
6.50 |
6.73 |
$14.85 |
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120 mos |
6.50 |
6.67 |
$11.35 |
| |
|
180 mos |
7.00 |
7.13 |
$8.99 |
| All APR's identified above assume a transaction with a $50,000 loan at the term identified. |
| Fixed Home Equity Rate displayed reflects the discount of 1/4% when the loan payment is automatically transferred from a West View Savings Bank checking account. |
| ALL CLOSED-END HOME EQUITY LOAN DOCUMENT PREPARATION FEES ARE CURRENTLY WAIVED ON LOANS $25,000 OR MORE. |
Home Equity Line Of Credit Loans
|
| Type |
LTV Ratio |
|
Reg. Rate* |
Payment/$5000 |
|
| Equity Line of Credit |
Up to 80% |
3.25* |
Prime |
$63.55* |
|
| |
81% to 90% |
4.25* |
Prime + 1.0% |
$67.71* |
|
| Payments charged are 1% of principal balance, plus interest. |
|
| *Line of Credit Rate displayed reflects the discount of 1/4% when the loan payment is automatically transferred from a West View Savings Bank Checking Account. |
| Index used is the prime rate as displayed in the Wall Street Journal. The loan will have a semi-annual adjustment with a lifetime cap of up to 18%. No fixed rate conversion option. Monthly payment is 1% of outstanding principal plus interest. |
| Annual maintenance fee is $25.00 for LTV Ratio up to 80%. Maintenance fee of $35.00 for LTV ratio's in excess of 80% to 90%. |
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| DOCUMENT PREPARATION FEE |
| |
< $25,000 |
$75.00 |
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$25,000 or Larger |
$0.00 |
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Automobile Loans
|
| Type |
|
Term |
Rate(%) |
APR(%) |
Payment/$1,000 |
| New Automobile |
|
36 mos |
6.125 |
6.56 |
$30.48 |
| New Automobile |
|
48 mos |
6.25 |
6.59 |
$23.60 |
| New Automobile |
|
60 mos |
6.50 |
6.79 |
$19.57 |
| Used 2010-2009 |
|
36 mos |
7.00 |
7.49 |
$30.76 |
| Used 2010-2009 |
|
48 mos |
7.25 |
7.64 |
$24.06 |
| Used 2010-2009 |
|
60 mos |
7.50 |
7.82 |
$20.04 |
| Used 2008-2007 |
|
36 mos |
7.25 |
7.76 |
$30.99 |
| Used 2008-2007 |
|
48 mos |
7.50 |
7.90 |
$24.18 |
| Used 2006-2005 |
|
36mos |
8.00 |
8.55 |
$31.34 |
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| All automobile loans require 10% down payment prior to tax and title costs. $35.00 application fee (non-refundable). APR based on $25,000 loan. |
| Automobile Loan Rates displayed reflect the discount of 1/4% when the loan payment is automatically transferred from a West View Savings Bank checking account. |
Personal Unsecured Loans
|
| Type |
|
Term |
Rate(%) |
APR(%) |
Payment/$1,000 |
| Fixed-Closed End |
|
24 mos |
13.75 |
15.65 |
$47.90 |
| Adjustable -Open End |
|
N/A |
Prime + 6.0 |
9.25* |
$50.00 |
| The minimum and maximum loan amount range from $1,000 to $5,000. APR based on $5,000 loan. |
| *The Unsecured Loan Rates represent 1/4% rate reduction if payment is automatically withdrawn from West View Savings Bank checking account. |
| Index used for the Adjustable - Open End Loan is the Wall Street Journal prime rate as of the last business day each month. |
| The initial margin is 6.0% for the first six months, with adjustments monthly up to a lifetime cap of 18.0%. Monthly payment is 5.0% of the outstanding balance. |
| After six months, the minimum floor is 13.0%. The annual maintenance fee is $35.00. |
| $35.00 Application Fee (non-Refundable) |
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