Rates
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Annual Percentage Yield (APY) Accurate as of: September 3, 2008
Certificate of Deposit - Special
|
| Term |
APY |
Interest Rate |
| Certificate of Deposit $2,500 Minimum Balance to open. One time during the initial term, you may increase the rate to the then current rate being paid on 3 year CDs up to a maximum of two percent (2%). Call for more details. |
| 3 year Bump-Up CD |
3.90% |
3.83% |
Notes:
A penalty may be imposed for early withdrawal. APY is Annual Percentage Yield.
APY is subject to change without notice. Fees may reduce earnings. |
Savings & Checking Accounts
|
| Term |
APY |
Interest Rate |
| Passbook/Statement Savings - $150 minimum to open |
| $50,000 or more |
1.00% |
1.00% |
| $20,000 - $49,999.99 |
0.75% |
0.75% |
| $5,000 - $19,999.99 |
0.75% |
0.75% |
| $300 - $4,999.99 |
0.20% |
0.20% |
| 0 - $299.99 |
0.00% |
0.00% |
| Liberty Gift Accounts - $150 minimum to open |
| $150.00 or more |
1.00% |
1.00% |
| 0 - $149.99 |
0.00% |
0.00% |
| All Star Account - $10 minimum to open |
| $10 or more |
1.00% |
1.00% |
| 0- $9.99 |
0.00% |
0.00% |
| Christmas Club |
| $10 or more |
1.00% |
1.00% |
| 0 -$9.99 |
0.00% |
0.00% |
| Affinity Checking - $100 minimum to open |
| $5,000 or more |
0.50% |
0.50% |
| $1,000 - $4,999.99 |
0.25% |
0.25% |
| 0- $999.99 |
0.00% |
0.00% |
| Jumbo Checking - $l,000 minimum to open |
| $100,000 and up |
1.75% |
1.74% |
| $50,000 - $99,999.99 |
1.50% |
1.49% |
| $20,000 -$49,999.99 |
1.25% |
1.24% |
| $5,000 - $19,999.99 |
0.75% |
0.75% |
| $1,000 - $4,999.99 |
0.50% |
0.50% |
| 0 - $999.99 |
0.00% |
0.00% |
| Money Market Accounts - $2,500 minimum to open |
| $2,500 or more |
1.25% |
1.24% |
| $1,000 - $2,499.99 |
0.50% |
0.50% |
| 0 - $999.99 |
0.00% |
0.00% |
Certificates of Deposit
|
| Term |
APY |
Interest Rate |
| $2,500 Minimum Balance to open |
| 91 Day CD |
1.50% |
1.49% |
| 6 Month CD |
2.45% |
2.42% |
| 1 Year CD |
2.65% |
2.62% |
| 1 1/2 Year CD |
2.90% |
2.86% |
| 2 Year CD |
3.20% |
3.15% |
| 2 1/2 Year CD |
3.60% |
3.54% |
| 3 Year CD |
3.90% |
3.83% |
| 3 1/2 Year CD |
4.50% |
4.40% |
| 5 Year CD |
5.00% |
4.88% |
Notes:
A penalty may be imposed for early withdrawal. APY is Annual Percentage Yield.
APY is subject to change without notice. Fees may reduce earnings. |
Liberty Gift Certificates of Deposit
|
| Term |
APY |
Interest Rate |
| $2,500 Minimum Balance to open |
| 1 Year CD |
2.65% |
2.62% |
| 2 Year CD |
3.20% |
3.15% |
| 3 Year CD |
3.90% |
3.83% |
| 5 Year CD |
5.00% |
4.88% |
Notes:
A penalty may be imposed for early withdrawal. APY is Annual Percentage Yield.
APY is subject to change without notice. Fees may reduce earnings. |
Retirement Plan Certificates of Deposit
|
| Term |
APY |
Interest Rate |
| $500 Minimum Balance to open |
| 1 Year CD |
3.00% |
2.96% |
| 1 1/2 Year CD |
3.20% |
3.15% |
| 3 Year CD |
4.25% |
4.16% |
| 5 Year CD |
4.25% |
4.16% |
| 7 Year CD |
4.25% |
4.16% |
Notes:
A penalty may be imposed for early withdrawal. APY is Annual Percentage Yield.
APY is subject to change without notice. Fees may reduce earnings. |
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Mortgage Rates Effective as of: September 5, 2008
SPECIAL CONVENTIONAL MORTGAGE RATES - Owner Occupied - Loan amounts to $417,000
|
| Rate - Points |
Term |
Program |
APR* |
| 5.375% - 0 pts |
5 Yrs |
5/1 ARM |
5.203% |
| 5.375% - 0 pts |
10 Yrs |
10 Year Fixed |
5.515% |
| 5.625% - 0 pts |
10 Yrs |
10/30 Balloon |
5.715% |
*=Annual Percentage Rate (APR) is subject to change at the discretion of the Bank.
Maximum LTV/CLTV: Purchases 80%, Rate and term refinances 75%, Cash out refinances 70%. |
Conventional - Owner Occupied - Loan amounts to $417,000
|
| Rate - Points |
Term |
Program |
APR* |
| 6.375% - 0 pts |
30 Yrs |
Fixed |
6.436% |
| 6.250% - 0 pts |
20 Yrs |
Fixed |
6.331% |
| 5.875% - 0 pts |
15 Yrs |
Fixed |
5.975% |
| 5.750% - 0 pts |
10 Yrs |
Fixed |
5.891% |
| *=Annual Percentage Rate (APR) based on $150,000 loan amount, up to 80% loan to value. No PMI plus prepaid finance charges and 15 days interim interest. Loan amount up to $417,000. |
SPECIAL JUMBO MORTGAGE RATES - Owner Occupied - Loan amounts >$417,000 to $800,000
|
| Rate - Points |
Term |
Program |
APR* |
| 5.875% - 0 pts |
5 yrs |
5/1 ARM |
5.515% |
| 5.875% - 0 pts |
10 Yrs |
10 Year Fixed |
5.917% |
| 5.875% - 0 pts |
10 Yrs |
10/30 Balloon |
5.902% |
*=Annual Percentage Rate (APR) is subject to change at the discretion of the Bank.
Maximum LTV/CLTV: Purchases 80%, Rate and term refinances 75%, Cash out refinances 70%. |
JUMBO - Owner Occupied - Loan amounts > $417,000 - $800,000
|
| Rate - Points |
Term |
Program |
APR* |
| 6.625% - 0 pts |
30 Yrs |
Fixed |
6.644% |
| 6.500% - 0 pts |
20 Yrs |
Fixed |
6.524% |
| 6.125% - 0 pts |
15 Yrs |
Fixed |
6.155% |
| 6.000% - 0 pts |
10 Yrs |
Fixed |
6.042% |
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| *=Annual Percentage Rate (APR) based on $500,000 loan amount, up to 80% Loan to Value. No PMI plus prepaid finance charges and 15 day interim interest. For rates on Jumbo Loans over $800,000 call 1.888.LIB.BANK. |
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ADJUSTABLE RATE MORTGAGE RATES
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Call 1.888.LIB.BANK (1.888.542.2265) for current adjustable mortgage rates. |
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**HOME EQUITY LINES OF CREDIT
|
| PRIME RATE: 5.00% The Home Equity Line of Credit for loans UP TO $200,000. |
| 1. Prime plus .250 = 5.250% with 5% cash back on interest paid annually for the first 5 years. Floor 4.000%, Ceiling 18.00%. Annual fee $50 and $395 Early Termination Fee in the first 3 years. During the 10 year amortization period, the rate is prime plus 1/2% (adjustable). |
| 2. Prime minus 1.00% = 4.00% (currently a floor of 6.000% and ceiling of 19.250%). Annual fee $25 and $395 Early Termination Fee in the first 3 years. During the 10 year amortization period, the rate is prime plus 1/2% (adjustable). |
Notes:
** Owner Occupied. 1-4 Family Residential Properties: 80% LTV Maximum. Liberty Bank will only accept HELOC appilcations if the first mortgage is held by Liberty Bank.
Call-888-LIB-BANK for more information. |
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**FIXED RATE EQUITY LOANS
|
| INTEREST RATE |
TERM |
POINTS |
APR* |
| 6.375% |
3 Yr. Fixed |
0.000 |
6.465% |
| 6.625% |
5 Yr. Fixed |
0.000 |
6.717% |
| 6.750% |
7 Yr. Fixed |
0.000 |
6.845% |
| 6.875% |
10 Yr. Fixed |
0.000 |
6.971% |
| 7.250% |
15 Yr. Fixed |
0.000 |
7.352% |
| 7.250% |
15/30 Balloon |
0.000 |
7.355% |
Notes:
*Annual Percentage Rate (APR) based on $10,000. **Owner Occupied.
1-4 Family Residential Properties: 80% LTV Maximum. Call 1-888-LIB-BANK for more information. |
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as of: September 5, 2008
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