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Thursday, May 15, 2008
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Here, you will find information about current interest rates and annual percentage yields for our deposit and loan accounts. Our interest rates and APYs are competitive and reflect our commitment to make a difference for our customers. Though we strive to make sure this page is accurate, interest rates are subject to change so this page is for information only. APR and APY will be disclosed in full when you open an account with West End Bank, S.B.. The following account information is displayed here: Savings Accounts, Certificates of Deposit, Individual Retirement Accounts, Money-Market Deposit Accounts, Mortgage Loan rates for Single-Family homes, Home Equity Line of Credit, Second Mortgage & Home Improvement Loans, Automobile Loans, and Consumer Loans. For additional information, contact an account representative or loan officer or stop by one of our convenient locations. West End Bank, S.B. is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender. |
The interest rates listed on this page are for information only. Though we strive to make sure this page is accurate, the rate may change after the account is opened. APR and APY will be disclosed in full when you open an account with West End Bank, S.B.
INTEREST RATES EFFECTIVE AS OF 8/1/2006
| Name | Desc. | Interest Rate | APY |
| Sapphire | Minimum to open is $100, minimum to obtain APY is $500. | .75 | .75 |
| Ruby Plus | Minimum to open account is $100. Non-Interest Bearing. | non-interest bearing | |
| Statement Savings | The minimum to open this account and obtain the APY is $300. | 1.00 | 1.00 |
| Acct. Bal. | Interest Rate | APY |
| $0-$500.00 | 0.00 | 0.00 |
| $500.01-$9,000.00 | 1.75 | 1.76 |
| $9,000.01-$18,000.00 | 2.00 | 2.02 |
| $18,001.01-$100,000.00 | 2.75 | 2.78 |
| $100,001.00-$999,999.98 | 3.50 | 3.56 |
| $999,999.99 and OVER | 2.00 | 2.02 |
* The minimum to open this account is $2,001.00. You must maintain the minimum in each tier to obtain the APY.
*A PUBLIC FUNDS MONEY MARKET ACCOUNT HAS BEEN ESTABLISHED AND IS AVAILABLE WITH TIERS AND INTEREST RATES THAT ADDRESS THE UNIQUE NEEDS OF PUBLIC UNITS. PLEASE CONTACT A CUSTOMER SERVICE REPRESENTATIVE FOR MORE INFORMATION. FEES MAY REDUCE EARNINGS ON DEPOSIT ACCOUNTS.
| Minimum Balance $500 |
Minimum Balance $25,000 |
Minimum Balance $50,000 |
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| Term | Interest Rate | APY | Interest Rate | APY | Interest Rate | APY |
| 182 Days | 3.45 | 3.50 | 3.60 | 3.65 | 3.75 |
3.80 |
| 1 Year | 3.70 | 3.75 | 3.80 | 3.85 | 3.89 | 3.95 |
| 18 Months | 3.94 | 4.00 | 4.04 | 4.10 | 4.14 | 4.20 |
| 2 Years | 3.55 | 3.60 | 3.64 | 3.69 | 3.76 | 3.81 |
| 3 Years | 3.65 | 3.70 | 3.72 | 3.77 | 3.83 | 3.89 |
| 4 Years | 3.75 | 3.80 | 3.84 | 3.90 | 3.93 | 3.99 |
| 5 Years | 4.02 | 4.08 | 4.08 | 4.14 | 4.19 | 4.26 |
PENALTY IMPOSED FOR EARLY WITHDRAWAL OF CD'S. FEES MAY REDUCE EARNINGS ON DEPOSIT ACCOUNTS.
| Term | Interest Rate | APY | ||
| Traditional IRA | Minimum Balance $50 | 18 Month | 3.45 | 3.51 |
| Traditional IRA | Minimum Balance $50 | 3 Years | 3.63 | 3.70 |
| Roth IRA | Minimum Balance $50 | 5 Years | 4.00 | 4.08 |
PENALTY IMPOSED FOR EARLY WITHDRAWAL OF CD'S. FEES MAY REDUCE EARNINGS ON DEPOSIT ACCOUNTS.
Mortgage - Single Family - Owner Occupied
| Our interest rates and terms are highly competitive with those from other lending institutions. Contact a loan officer for more complete information about our current Interest Rates, and APRs. We strive to demonstrate what a difference a locally focused bank can make on each loan. Let us make a difference for you. | ||||||||||||||||||||
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This information is provided for the real estate professional and is not an advertisement to extent customer credit as defined by section 226.2 of regulation Z. All interest rates and costs are subject to change without notice
WestLine
Home Equity Line of Credit
| Name | Title | Phone Number | |
| Nikka Alcorn | Loan Originator | 765-962-9587
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| Andrea Stuckey | Hagerstown Branch Manager |
765-489-4011 | |
| Tonya F. Paddock | Liberty Branch Manager |
765-458-6485 | |
| Suzanna Osborn | Eastside Loan Originator | 765-966-0328 |
General Program Guidelines
THE ANNUAL PERCENTAGE RATE IS BASED ON THE VALUE OF AN INDEX. THE INDEX IS THE HIGHEST RATE ON CORPORATE LOANS POSTED BY AT LEAST 75% OF THE USA'S THIRTY LARGEST BANKS KNOWN AS THE WALL STREET JOURNAL PRIME RATE AND IS PUBLISHED IN THE WALL STREET JOURNAL. TO DETERMINE THE ANNUAL PERCENTAGE RATE THAT WILL APPLY TO YOUR ACCOUNT, WE ADD A MARGIN TO THE VALUE OF THE INDEX, AND THEN ROUND TO THE NEAREST 0.125%.
Fixed Rate Second Mortgage &
Home Improvement*
| Nikka Alcorn | Loan Originator 765-962-9587 |
| Andrea Stuckey | Hagerstown Branch Manager 765-489-4011 |
| Tonya F. Paddock | Liberty Branch Manager 765-458-6485 |
| Suzanna Osborn | Eastside Loan Originator 765-966-0328 |
Car Loan Interest Rates*
| Nikka Alcorn | Loan Originator | 765-962-9587 | |
| Andrea Stuckey | Hagerstown Branch Manager |
765-489-4011 | |
| Tonya F. Paddock | Liberty Branch Manager |
765-458-6485 | |
| Suzanna Osborn | Eastside Loan Originator | 765-966-0328 | |
Consumer / Personal Loans*
| Nikka Alcorn | Loan Originator | 765-962-9587 |
Andrea Stuckey |
Hagerstown Branch Manager |
765-489-4011 |
| Tonya F. Paddock | Liberty Branch Manager |
765-458-6485 |
| Suzanna Osborn | Eastside Loan Originator | 765-966-0328 |
| Key |
|
| APR | Annual Percentage Interest Rate |
| APY | Annual Percentange Yield |
| Points | Percentage of loan amount added to down payment to receive stated interest amount |
| Max loan to value | Maximum percentage of the lesser of the selling price or appraised value of the property for which a loan will be written. |
| CAPS | Maximum change in percentage interest rate during stated time frames for the loan |
| % Financed | Maximum percentage of the lesser of the selling price or NADA listed value of the vehicle for which a loan will be written. |
NOTICE: The information regarding interest rates, terms, fees, etc. is provided for reference only and is not an advertisement to extend customer credit as defined by section 226.2 of regulation Z. All interest rates and costs are subject to change without notice.
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