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Deposit Rates
Effective 5/9/2008
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Account Type
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Minimum Amount To Open Account
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Interest Rate
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APY*
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7-31 Day CD
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$10,000.00
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1.150%
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1.16%
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91 Day CD
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$1,000.00
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1.750%
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1.76%
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182 Day CD
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$1,000.00
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2.000%
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2.01%
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9 Month CD
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$1,000.00
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2.500%
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2.52%
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12 Month CD
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$1,000.00
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2.150%
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2.17%
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18 Month CD
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$1,000.00
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2.250%
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2.27%
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24 Month CD
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$1,000.00
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2.250%
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2.27%
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30 Month CD
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$1,000.00
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2.500%
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2.52%
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36 Month CD
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$1,000.00
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2.500%
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2.52%
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48 Month CD
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$1,000.00
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2.650%
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2.67%
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++12 Month Variable Liquid CD
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$5,000.00
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1.500%
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1.51%
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30 Month Special CD
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$1,000.00
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2.800%
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2.82%
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18 Month Fixed Rate IRA
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$1,000.00
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2.250%
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2.27%
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18 Month Variable Rate IRA
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$50.00
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3.000%
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3.03%
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18 Month Fixed Rate ROTH
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$1,000.00
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2.250%
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2.27%
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18 Month Variable Rate ROTH
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$50.00
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3.000%
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3.03%
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18 Month Fixed Rate SEP
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$1,000.00
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2.250%
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2.27%
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+++Merit Checking
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$100.00
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3.000%
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3.04%
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Money Market
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$2,500.00
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1.000%
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1.00%
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Christmas Club Savings
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$5.00
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1.250%
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1.25%
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Regular Savings
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$10.00
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.500%
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.50%
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Children's Savings
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$10.00
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.500%
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.50%
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Premier Connection Savings
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$300.00
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.500%
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.50%
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Golden Savings
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$10.00
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.500%
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.50%
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NOW Account
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$1,500.00
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.500%
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.50%
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*APY = Annual Percentage Yield
Rates are subject to change.
Fees could reduce earnings on all Savings, Money Market and NOW accounts.
Certificate of Deposit and IRAs may be subject to an early withdrawal penalty.
++ Unlimited deposits and withdrawals allowed. No deposits allowed within 7 days of maturity. Penalty will be imposed for withdrawal that brings account below $1,000.00. At our discretion we may change the interest rate on this account.
+++Balances of $0.01 up to $15,000.00 will earn the disclosed interest. Balances equal to $15,000.01 and greater will earn an interest rate for that portion of the balance of 0.500% with an APY of 0.50%. If your daily balance is equal to or greater than $0.01 but the account did not meet all of the monthly requirements, the balances will earn an interest rate of 0.100% with an APY of 0.10%.
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FIXED RATE MORTGAGES - CURRENT RATES
Rates Effective as of May 9, 2008
The rates in this table are indicative only. Your rate is subject to market fluctuations until it is locked.
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MORTGAGE TERM
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RATE
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*APR
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POINTS
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10 YEAR FIXED
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5.500
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5.514
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0
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15 YEAR FIXED
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5.625
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5.635
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0
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20 YEAR FIXED
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5.875
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5.883
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0
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30 YEAR FIXED
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6.000
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6.006
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0
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40 YEAR FIXED
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6.375
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6.380
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*Annual Percentage Rate
Based on a $100,000.00 mortgage the average closing cost is $850. Term of repayment ex: "A $100,000 mortgage loan @6.5% APR for 10 years would have payments of $1,135.48." "A $100,000 mortgage loan @6.5% APR for 15 years would have payments of $871.11." "A $100,000 mortgage loan @6.5% APR for 20 years would have payments of $745.57." "A $100,000 mortgage loan @6.5% APR for 30 years would have payments of $632.07." "A $100,000 mortgage loan @6.5% APR for 40 years would have payments of $585.46."
Fixed rates are available Monday thru Friday from 10:00am to 3:00pm central/standard time. For all other loan rates, please contact Commercial State Bank and a loan representative will assist you.
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