Rates
Mortgage Rates
Residential Real Estate Loan Rates Remain Very Attractive!
Residential real estate mortgage rates valid as of Wednesday, April 1st, 2020
Rates are subject to change without notice
30 Year Mortgage
Rate 3.00%
APR 3.077%
20 Year Mortgage
Rate 2.875%
APR 2.983%
15 Year Mortgage
Rate 2.375%
APR 2.443%
10 Year Mortgage
Rate 2.375%
APR 2.474%
Payments
30 yrs. $422.65
20 yrs. $549.66
15 yrs. $662.22
10 yrs. $938.86
$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 April 1, 2020 to April 8, 2020
| 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 |
0.15% |
0.15% |
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 |
0.40% |
0.40% |
18 Months |
| 21 Month CD |
$1,000 |
0.45% |
0.45% |
21 Months |
| 24 Month CD |
$1,000 |
0.50% |
0.50% |
24 Months |
| 30 Month CD |
$1,000 |
0.55% |
0.55% |
30 Months |
| 36 Month CD |
$1,000 |
0.65% |
0.65% |
36 Months |
| 48 Month CD |
$1,000 |
0.85% |
0.85% |
48 Months |
| 60 Month CD |
$1,000 |
1.00% |
1.00% |
60 Months |
IRA - 18 Month Variable CD
Rate may change after the account is opened. |
$100 |
0.55% |
0.55% |
18 Months |
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 April 1, 2020 to April 8, 2020
| Minimum balance to obtain Annual Percentage Yield (APY) |
APY |
| $2,500 |
0.15% |
| $10,000 |
0.20% |
| $25,000 |
0.20% |
| $50,000 |
0.25% |
| $100,000 |
0.35% |
| $250,000 |
0.45% |
Interest Rates are Subject to Change without Notice.
Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.