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Current Rates
Loan rates effective as of 08/11/10.
All rates subject to change without notice
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AUTOMOBILE LOANS - NEW
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| Term |
Annual Percentage Rate |
Payment per $1,000 Borrowed |
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| 3 Years |
6.50% |
$30.65 |
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| 4 Years |
6.65% |
$23.78 |
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| 5 Years |
6.75% |
$19.68 |
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| Loan amounts up to 90% of purchase price (20% down) |
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AUTOMOBILE LOANS - USED
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| Vehicle Age |
Annual Percentage Rate |
Term |
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| 1 Year Old |
6.75% |
Up to 4 Years |
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| 2 or 3 Years Old |
7.75% |
Up to 4 Years |
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| Over 3 Years Old |
8.50% |
Up to 4 Years |
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| *Payment based on 4 year term |
| Loan amounts up to 80% of purchase price or NADA value. |
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PERSONAL – UNSECURED LOANS
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| Term |
Annual Percentage Rate |
Payment per $1,000 Borrowed |
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| Up to 4 Years |
11.00% |
$25.85* |
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| * Payment based on 4 year term. |
| Loan amounts up to $5000 |
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MORTGAGE RATES
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| Term |
Points |
Annual Percentage Rate |
Payments per $1,000 Borrowed |
| 15 Years |
0 |
5.125% |
$7.97 |
| 30 Years |
0 |
5.75 % |
$5.84 |
| Annual percentage rate based on $0 prepaid interest. |
| 20% down payment on owner occupied properties. |
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HOME EQUITY INSTALLMENT LOAN (Fixed Rate)
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| Term |
Annual Percentage Rate |
Payments per $1,000 Borrowed |
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| 5 Years |
3.99% |
$18.41 |
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| 10 Years |
4.95% |
$10.58 |
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| 15 Years |
5.75% |
$8.30 |
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| Automatic payment from Manor Bank checking or savings account may be required. |
| No costs or application fees. $200.00 fee if paid off within 24 months of settlement (added to payoff). |
| Above are for owner occupied properties and loan amounts of $5000.00 or more up to 80% of appraised value. |
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HOME EQUITY LINE OF CREDIT (Variable Rate)
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| 3.25% Annual Percentage Rate (APR) |
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| APR can change monthly and will equal the current Prime Rate as published in the Wall Street Journal on the first of the month. |
| Floor-3%, Ceiling-18% |
| Minimum monthly payment based on the greater of a 15 year amortization or $100.00 |
| No closing costs or application fees. |
| $200.00 fee if credit line is closed within 24 months of settlement. $50.00 annual fee (waived first year) |
| Rates are for owner occupied properties and loan amounts of $5000.00 or more up to 80% of appraised value. |
Deposit rates effective as of 08/11/10.
NOW ACCOUNT
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| Interest Rate |
APY* |
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| .10% |
.10% |
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| *Annual Percentage Yield |
| $500.00 minimum balance required to open account and obtain stated APY |
| Fees could reduce earnings |
| Interest is compounded monthly |
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PASSBOOK SAVINGS ACCOUNT
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| Interest Rate |
APY* |
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| .25% |
.25% |
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| *Annual Percentage Yield |
| $100.00 minimum balance required to open account. |
| $50.00 minimum balance required to obtain stated APY |
| Fees could reduce earnings |
| Interest is compounded semi-annually. |
Certificate rates effective as of 08/11/10.
CERTIFICATES OF DEPOSIT
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| Term |
Interest Rate |
APY* |
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| 1 Year |
0.65% |
0.65% |
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| 2 Year |
0.75% |
0.75% |
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| 3 Year |
1.05% |
1.05% |
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| *Annual Percentage Yield |
| $1000.00 minimum balance required to open account and obtain stated APY |
| Penalty for early withdrawal |
| Interest is compounded annually |
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