Rates

Mortgage Rates

Residential Real Estate Loan Rates Remain Very Attractive!

Residential real estate mortgage rates valid as of Tuesday, October 17th, 2017

Rates are subject to change without notice

30 Year Mortgage
Rate  3.875%
APR  3.958%

20 Year Mortgage
Rate 3.625%
APR 3.739%

15 Year Mortgage
Rate 3.250%
APR 3.322%

10 Year Mortgage
Rate   3.250%
APR   3.355%

Payments
30 yrs.   $470.24
20 yrs.   $586.40
15 yrs.   $702.67
10 yrs.   $977.19

$100,000 Loan size

Assumptions

  • 740 or higher median credit score
  • 80% loan to value
  • Owner occupied existing residence
  • Purchase transaction
  • Rate lock period 45 days

Our rates and APRs assume a conventional loan for the purpose of purchasing a single-family home to be used as a primary residence, that the loan amount to property value ratio (LTV) is 80%, that the rate lock period is 45 days, and that the property is within Sangamon County, Illinois.  Rates and APRs may vary based on several factors, including credit score, loan purpose, and LTV.

Loan requests are subject to approval.

For Loan Rates, please contact a Warren-Boynton State Bank loan officer.


Certificate of Deposit Rates

Effective October 18, 2017 to October 25, 2017

Product Balance Required
to Earn APY
Annual
Percentage
Yield (APY)
Interest Rate Term
7 to 31 Day CD $1,000 0.10% 0.10% 7 - 31 Days
3 Month CD $1,000 0.10% 0.10% 3 Months
6 Month CD $1,000 0.20% 0.20% 6 Months
7 Month CD $1,000 0.20% 0.20% 7 Months
10 Month CD $1,000 0.25% 0.25% 10 Months
12 Month CD $1,000 0.30% 0.30% 12 Months
15 Month CD $1,000 0.35% 0.35% 15 Months
18 Month CD $1,000 0.35% 0.35% 18 Months
21 Month CD $1,000 0.40% 0.40% 21 Months
24 Month CD $1,000 0.55% 0.55% 24 Months
24 Month CD - Step Up $1,000 1.15% 1.15% 24 Months
30 Month CD $1,000 0.60% 0.60% 30 Months
36 Month CD $1,000 0.80% 0.80% 36 Months
48 Month CD $1,000 1.00% 1.00% 48 Months
60 Month CD $1,000 1.30% 1.30% 60 Months
60 Month CD - Step Up $1,000 1.61% 1.60% 60 Months
18 Month IRA - Variable
Rate may change after the account is opened.
$100 0.50% 0.50% 18 Months

* Minimum balance required to qualify for 9 month CD - Please contact us for details.

Substantial Penalties may be imposed for early withdrawal.


Tiered Interest Rates and Annual Percentage Yields for Money Market Accounts

Fees could reduce earnings on this account.

Effective October 18, 2017 to October 25, 2017

Minimum balance to obtain Annual Percentage Yield (APY) APY
$2,500 0.10%
$10,000 0.15%
$25,000 0.20%
$50,000 0.25%
$100,000 0.30%
$250,000 0.35%

Interest Rates are Subject to Change without Notice.

Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.

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