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   RATES


   Rates are subject to change without notice.


   DEPOSIT RATES

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Rates Effective: March 6, 2010                           APY refers to Annual Percentage Yield.
Investments

Product Minimum Deposit Rate (%) APY (%)
Certificate of Deposit      
91 Day $2,500 0.40 0.40
6 Month $2,500 0.70 0.70
1 Year $500 0.90 0.90
2 Year $500 1.20 1.20
3 Year $500 1.75 1.75
4 Year $500 2.00 2.00
5 Year $500 2.50 2.50
6 Year $500 2.50 2.50
7 Year $500 2.50 2.50
8 Year $500 2.50 2.50
9 Year $500 2.50 2.50
10 Year $500 2.50 2.50
       
       
18 Month Money Market Certificate-Variable Rate Account      
*18 Month $500 0.190 0.190
*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 
Premiere Moneymarket Fund      
$1,000 - $9,999.99 N/A 0.25 0.25
$10,000 - $24,999.99 N/A 0.30 0.30
$25,000 - $49,999.99 N/A 0.30 0.30
$50,000 + N/A 0.35 0.35
       
Other Savings & Checking Programs Available 



LOAN RATES

Rates Effective:March 9, 2010                               APR refers to Annual Percentage Rate.
First Mortgage Loans
Single Family, Owner Occupied Properties

Term Loan Amount Rate(%) Fee(%) APR(%) Payment/$1,000
15 Yr Conforming $0 - $417,000 5.50 0 5.580 8.17
15 Yr Conforming $0 - $417,000
15 Yr Jumbo $417,001 - $650,000 7.00 .125 7.122 8.99
15 Yr Jumbo $417,001- $650,000
30 Yr Conforming $0 - $417,000 6.00 0 6.05 6.00
30 Yr Conforming $0 - $417,000
30 Yr Jumbo $417,001 - $650,000 7.50 0 7.569 6.99
30 Yr Jumbo $417,001 - $650,000
1/1 ARM $0 - $417,000 5.75 0 5.801 $5.84
1/1 ARM $0 - $417,000
3/1 ARM $0 - $417,000 6.375 0 6.433 $6.24
3/1 ARM $0 - $417,000
5/1 ARM $0 - $417,000 6.625 0 6.686 $6.40
5/1 ARM $0 - $417,000
7/23 ARM $0 - $417,000 6.50 0 6.559 $6.32
7/23 ARM $0 - $417,000
10/1 ARM $0 - $417,000 6.50 0 6.559 $6.32
10/1 ARM $0 - $417,000
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.
$445 Application Fee (non-refundable)

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 5.25 5.68 $30.08
    60 mos 5.50 5.77 $19.10
    84 mos 6.000 6.21 $14.61
    120 mos 6.125 6.28 $11.16
    180 mos 6.25 6.36 $8.57
  81% to 90% 36 mos 6.25 6.74 $30.54
    60 mos 6.50 6.81 $19.57
    84 mos 7.00 7.24 $15.09
    120 mos 7.125 7.31 $11.68
    180 mos 7.25 7.38 $9.13
  91% to 100% 36 mos 7.25 7.80 $30.99
    60 mos 7.50 7.85 $20.04
    84 mos 8.00 8.27 $15.59
    120 mos 8.125 8.33 $12.20
    180 mos 8.25 8.40 $9.70
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.Rates are for $50,000 and above.
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%.
           
DOCUMENT PREPARATION FEE
  < $25,000 $75.00      
  $25,000 or Larger $0.00      

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 2009-2008    36 mos 7.00 7.49 $30.76
Used 2009-2008    48 mos 7.25 7.64 $24.06
Used 2009-2008    60 mos 7.50 7.82 $20.04
Used 2007-2006    36 mos 7.25 7.76 $30.99
Used 2007-2006    48 mos 7.50 7.90 $24.18
Used 2005-2004    36mos 8.00 8.55 $31.34
           
All automobile loans require 10% down payment prior to tax and title costs. $35.00 application fee (non-refundable).
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.
*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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