Mortgage Rates

Effective: 07/29/2015

Residential Mortgages - Purchase / Refinance / Construction

TypeAnnual Percentage Rate1,10Term2Monthly Payment per Thousand3
Fixed Rates4.125%120 Months$10.18
 4.250%180 Months$7.52
 5.000%240 Months$6.60
 5.500%360 Months$5.68
1/1 ARM43.125%up to 360 Months$4.28
3/1 ARM53.500%up to 360 Months$4.49
5/1 ARM63.750%up to 360 Months$4.63
7/1 ARM73.875%up to 360 Months$4.70
Unimproved Real Estate7.250%up to 240 Months$7.90
Agriculture or Multi-use Property6.000%up to 240 Months$7.16
Fixed Rate HELOC85.750% $10.98
Fixed Rate HELOC95.500% $8.17
Variable Rate HELOC104.250% $7.52
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "800" or higher.
2Terms are available to the stated number of years.
3Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available and does not include insurance or tax escrow.
4Interest Rate will change annually. The rate is based on an index, the weekly average yield on US Treasury Bill - 1 year, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
5Interest rate is fixed for 3 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 3 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
6Interest rate is fixed for 5 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 5 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
7Interest rate is fixed for 7 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 10 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
8Term: 5 year draw 10 year repayment.
9Term: 1 year draw 15 year repayment.
10Term: 10 year draw 15 year repayment, variable rate and therefore rate may increase. Interest rate is base on the Wall Street Journal Prime Rate.

*Other terms and conditions may apply.

Consumer Loan Rates

Effective: 07/29/2015

Unsecured

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
Installment10.000%48 months$25.37
Time/Demand10.000%Not to exceed 12 months$87.92
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "800" or higher.
2Terms are available to the stated maximum number of months.
3Interest Rate will change annually. The rate is based on an index, the weekly average yield on US Treasury Bill - 1 year, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.

*A/C for above loans-deduct 1% for automatic withdrawal from account.
*Other terms and conditions may apply.

Auto / RV / Motorcycle / Boat

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 2014-20153.750%60 months$18.31
Used 2013-20144.250%60 months$18.53
Used 2011-20125.250%48 months$23.15
Used 2007-20106.250%36 months$30.54
New RV7.250%120 months$11.75
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "800" or higher.
2Terms are available to the stated maximum number of months.
3Interest Rate will change annually. The rate is based on an index, the weekly average yield on US Treasury Bill - 1 year, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.

ATV / Snowmobile

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 2014-20157.750%60 months$20.16
Used 2013-20148.750%48 months$24.77
Used 2011-201210.250%36 months$32.39
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "800" or higher.
2Terms are available to the stated maximum number of months.
3Interest Rate will change annually. The rate is based on an index, the weekly average yield on US Treasury Bill - 1 year, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.

Mobile Home

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 20156.750%180 months 80% LTV$8.85
New 20156.500%120 months 90% LTV$11.36
New 20156.250%120 months 80% LTV$11.23
Used 1997-20009.750%48 months$25.25
Used 2001-20058.750%60 months$20.64
Used 2006-20108.250%84 months$15.72
Used 2011-20147.750%120 months$12.01
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "800" or higher.
2Terms are available to the stated maximum number of months.
3Interest Rate will change annually. The rate is based on an index, the weekly average yield on US Treasury Bill - 1 year, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.

Other Retail / Consumer Goods

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New9.750%60 months$21.13
Used10.000%48 months$25.37
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "800" or higher.
2Terms are available to the stated maximum number of months.
3Interest Rate will change annually. The rate is based on an index, the weekly average yield on US Treasury Bill - 1 year, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.

Liquid Collateral

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
CD/Savings3.500%Up to 12 months$84.92
CD/Savings 4.000%13 months to 60 months$18.42
Listed Stock 4.500%Up to 60 months$18.64
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "800" or higher.
2Terms are available to the stated maximum number of months.
3Interest Rate will change annually. The rate is based on an index, the weekly average yield on US Treasury Bill - 1 year, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.

*Other terms and conditions may apply.

Deposit Rates

Effective: 07/29/2015

Savings Certificates

Account/Product NameMinimum Opening DepositInterest RateAnnual Percentage Yield
31-60 Days2$2,5000.20%0.20%
61-90 Days2$2,5000.20%0.20%
91-179 Days2$2,5000.25%0.25%
180-239 Days2$2,5000.30%0.30%
6-11 Months3$2,5000.30%0.30%
12-17 Months3$1,0000.40%0.40%
18-23 Months4$1,0000.50%0.50%
18 Month Escalator4$1,0000.50%0.50%
Rate may be stepped up once during 18 month term. Additional Deposits made of $150 or more.
24-29 Months4$1,0000.60%0.60%
30-35 Months4$1,0000.70%0.70%
36-47 Months4$1,0000.75%0.75%
48-59 Months4$1,0000.90%0.90%
60 Months4$1,0001.00%1.00%
Please note: A penalty may be imposed on all savings certificates for early withdrawal, which could reduce the earnings on the account.

2 Interest compounds at maturity.
3 Interest compounds monthly.
4 Interest compounds quarterly.

Savings Certificates - Reward Account Rates

Account/Product NameMinimum Opening DepositInterest RateAnnual Percentage Yield
31-60 Days2$2,5000.30%0.30%
61-90 Days2$2,5000.30%0.30%
91-179 Days2$2,5000.35%0.35%
180-239 Days2$2,5000.40%0.40%
6-11 Months3$2,5000.40%0.40%
12-17 Months3$1,0000.50%0.50%
18-23 Months4$1,0000.60%0.60%
18 Month Escalator4$1,0000.60%0.60%
Rate may be stepped up once during 18 month term. Additional Deposits made of $150 or more.
24-29 Months4$1,0000.70%0.70%
30-35 Months4$1,0000.80%0.80%
36-47 Months4$1,0000.85%0.85%
48-59 Months4$1,0001.00%1.00%
60 Months4$1,0001.10%1.10%
Please note: A penalty may be imposed for early withdrawal which could reduce the earnings on the account. Also, a depositor must be enrolled in one of our reward programs to qualify.

2 Interest compounds at maturity.
3 Interest compounds monthly.
4 Interest compounds quarterly.

Savings Certificates - Jumbo Account Rates

Account/Product NameMinimum Opening DepositInterest RateAnnual Percentage Yield
31-60 Days2$100,0000.30%0.30%
61-90 Days2$100,0000.30%0.30%
91-179 Days2$100,0000.35%0.35%
180-239 Days2$100,0000.40%0.40%
6-11 Months3$100,0000.40%0.40%
12-17 Months3$100,0000.50%0.50%
18-23 Months4$100,0000.60%0.60%
18 Month Escalator4$100,0000.60%0.60%
Rate may be stepped up once during 18 month term. Additional Deposits made of $150 or more.
24-29 Months4$100,0000.70%0.70%
30-35 Months4$100,0000.80%0.80%
36-47 Months4$100,0000.85%0.85%
48-59 Months4$100,0001.00%1.00%
60 Months4$100,0001.10%1.10%
Please note: A penalty may be imposed for early withdrawal which could reduce the earnings on the account. Must maintain a balance of $100,000 or more and have a Jeff Bank checking account.

2 Interest compounds at maturity.
3 Interest compounds monthly.
4 Interest compounds quarterly.

Statement Savings Account & Student Saver Account

No Minimum Opening BalanceInterest RateAnnual Percentage Yield
Up to $49,999.9940.10%0.10%
$50,000 to $99,999.9940.20%0.10% - 0.15%
$100,000 to $249,999.9940.25%0.15% - 0.21%
$250,000 and above40.25%0.21% - 0.23%
Please Note: The interest rate and annual percentage yield may change after account opening. In addition, fees could reduce the earnings on the account.

4 Interest compounds quarterly.

Club Accounts

No Minimum Opening BalanceInterest RateAnnual Percentage Yield
Vacation Club20.05%0.05%
Vacation Club Direct Deposit20.05%0.05%
Holiday Club20.05%0.05%
Holiday Club Direct Deposit20.05%0.05%
2 Interest compounds at maturity. A penalty may be imposed for early withdrawal, fees which could reduce the earnings on the account.

Platinum Account

No Minimum Opening BalanceInterest RateAnnual Percentage Yield
Up to $99,999.9950.20%0.20%
$100,000 and above50.25%0.25%
Please Note: The interest rate and annual percentage yield may change after account opening. In addition, fees could reduce the earnings on the account. Must maintain a daily balance of $2,500.

5 Interest compounds weekly.

Municipal Insured Money Market Account

Minimum Opening BalanceInterest RateAnnual Percentage Yield
Up to $99,999.9950.01%0.01%
$100,000 and above50.05%0.05%
Please Note: The interest rate and annual percentage yield may change after account opening. In addition, fees could reduce the earnings on the account. Must have a minimum deposit of $2,500.

5 Interest compounds weekly.

Insured Money Market Account

Minimum Opening BalanceInterest RateAnnual Percentage Yield
Up to $9,999.9950.05%0.05%
$10,000 to $24,999.9950.10%0.10%
$25,000 and above50.20%0.20%
Please Note: The interest rate and annual percentage yield may change after account opening. In addition, fees could reduce the earnings on the account. Must have a minimum deposit of $2,500.

5 Interest compounds weekly.

Super NOW Account

No minimum Opening BalanceInterest RateAnnual Percentage Yield
All Balances50.10%0.10%
Please Note: The interest rate and annual percentage yield may change after account opening. Must maintain a daily balance of $2,500.

5 Interest compounds weekly.

Reward Interest Bearing Checking

-Interest RateAnnual Percentage Yield
All Balances30.10%0.10%
Please Note: The interest rate and annual percentage yield may change after account opening. In addition, fees could reduce the earnings on the account.

3 Interest compounds monthly.

Elite Checking Account

-Interest RateAnnual Percentage Yield
All Balances30.20%0.20%
Please Note: The interest rate and annual percentage yield may change after account opening. In addition, fees could reduce the earnings on the account and the depositor must be enrolled in one of our reward programs to qualify.

3 Interest compounds monthly.

IOLAs

No Minimum Opening BalanceInterest RateAnnual Percentage Yield
All Balances30.20%0.20%
Please Note: The interest rate and annual percentage yield may change after account opening.

3 Interest compounds monthly.