Rates
Mortgage Rates
Residential Real Estate Loan Rates Remain Very Attractive!
Residential real estate mortgage rates valid as of Wednesday, January 19th, 2022
Rates are subject to change without notice
30 Year Mortgage
Rate 3.625%
APR 3.707%
20 Year Mortgage
Rate 3.375%
APR 3.489%
15 Year Mortgage
Rate 2.875%
APR 2.948%
10 Year Mortgage
Rate 2.750%
APR 2.823%
Payments
30 yrs. $456.65
20 yrs. $574.25
15 yrs. $685.29
10 yrs. $679.29
$100,000 Loan size
Assumptions
- 740 or higher median credit score
- 80% loan to value
- Owner occupied existing residence
- Purchase transaction
- Rate lock period 60 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%, and that the rate lock period is 60 days. 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 January 12, 2022 to January 19, 2022
| 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 |
0.15% |
0.15% |
6 Months |
| 7 Month CD |
$1,000 |
0.15% |
0.15% |
7 Months |
| 10 Month CD |
$1,000 |
0.20% |
0.20% |
10 Months |
| 12 Month CD |
$1,000 |
0.25% |
0.25% |
12 Months |
| 15 Month CD |
$1,000 |
0.30% |
0.30% |
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 |
0.40% |
0.40% |
24 Months |
| 30 Month CD |
$1,000 |
0.45% |
0.45% |
30 Months |
| 36 Month CD |
$1,000 |
0.50% |
0.50% |
36 Months |
| 48 Month CD |
$1,000 |
0.60% |
0.60% |
48 Months |
| 60 Month CD |
$1,000 |
0.80% |
0.80% |
60 Months |
IRA - 18 Month Variable CD
Rate may change after the account is opened. |
$100 |
0.45% |
0.45% |
18 Months |
Substantial Penalties may be imposed for early withdrawal.
Tiered Interest Rates and Annual Percentage Yields for Money Market Accounts
Effective January 12, 2022 to January 19, 2022
| Minimum balance to obtain Annual Percentage Yield (APY) |
APY |
| $2,500 |
0.10% |
| $10,000 |
0.10% |
| $25,000 |
0.10% |
| $50,000 |
0.15% |
| $100,000 |
0.20% |
| $250,000 |
0.25% |
The interest rate and annual percentage yield (APY) may change after account opening.
Fees could reduce earnings on this account.
Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.