Rates Shown Accurate as of July 13, 2009
   
  Loan Rates
Deposit Rates
 

Account Product Name

Code

Minimum Opening Deposit

Minimum Balance To Obtain Annual Percentage Yield

Interest Rate

Annual Percentage Yield

STATEMENT SAVINGS

B,C

$25.00

$25.00

1.00 

1.00

PASSBOOK SAVINGS

B

$5.00

$5.00

1.00

1.00

NOW ACCOUNT

B,C

$1,000.00

$1,000.00

0.20

0.20

IMMA $1,000.00 - 9,999.99

B,C

$1,000.00

$1,000.00

1.00

1.00

IMMA $10,000.00 - 24,999.99

B,C

$1,000.00

$10,000.00

1.02

1.02

IMMA $25,000.00 - AND UP

B,C

$1,000.00

$25,000.00

1.05

1.06

Energy Savers Club
$10.00 - $5,000.00

B,C

$10.00

$10.00

2.00

2.01

Energy Savers Club
$5,000.01 and above

B,C

$10.00

$10.00

1.00

1.00

TAX CLUB

B

$10.00

 

1.00

1.00

CHRISTMAS CLUB
(Auto-Transfer)

 

$1.00

$1.00

2.00

2.00

CHRISTMAS CLUB
(Coupon Book)

 

$1.00

$1.00

2.00

2.00

HEALTH SAVINGS ACCOUNT

B

$25.00

 

1.00

1.00

91 DAY CD

A

$100.00

 

1.05

1.05

182 DAY CD

A

$100.00

 

1.10

1.10

1 YEAR CD

A

$100.00

 

1.25

1.26

18 MONTH CD

A

$100.00

 

1.65

1.66

2 YEAR CD

A

$100.00

 

1.80

1.81

30 MONTH CD

A

$100.00

 

2.00

2.02

3 YEAR CD

A

$100.00

 

2.30

2.32

4 YEAR CD

A

$100.00

 

2.70

2.73

5 YEAR CD

A

$100.00

 

3.00

3.04

91 DAY REGULAR IRA

A

$100.00

 

1.05

1.05

182 DAY REGULAR IRA

A

$100.00

 

1.10

1.10

1 YEAR REGULAR/ROTH IRA

A

$100.00

 

1.25

1.26

18 MONTH REGULAR/ROTH IRA

A

$100.00

 

1.65

1.66

2 YEAR REGULAR/ROTH IRA

A

$100.00

 

1.80

1.81

2 YEAR VARIABLE  REGULAR/ROTH/
EDUCATIONAL IRA

A,B

$100.00

 

2.15

2.17

30 MONTH REGULAR/ROTH IRA

A

$100.00

 

2.00

2.02

3 YEAR REGULAR/ROTH IRA

A

$100.00

 

2.30

2.32

4 YEAR REGULAR/ROTH IRA

A

$100.00

 

2.70

2.73

5 YEAR REGULAR/ROTH IRA

A

$100.00

 

3.00

3.04

 Codes:

  1. A penalty may be imposed for early withdrawal.
  2. The interest rate and annual percentage yield may change after account opening.
  3. Fees may reduce earnings on the account.

 

  Deposit Rates
Loan Rates
   

Loan Type

Term

Annual Percentage 
 Rate

Estimated Monthly Payment Example
(computed for a $10,000.00 loan at current rate and specified term)

1 YEAR
 ADJUSTABLE RATE MORTGAGE

UP TO 30 YEARS

4.50**

$63.26
(computed for 20 year loan)

3 YEAR 
ADJUSTABLE RATE MORTGAGE

UP TO 30 YEARS

6.00**

$71.64
(computed for 20 year loan)

5 YEAR 
ADJUSTABLE RATE MORTGAGE

UP TO 30 YEARS

6.50**

$74.56
(computed for 20 year loan)

FIXED RATE MORTGAGE

Rate shown is with 0.25% reduction for automatic payments from a DNB Account.

UP TO 10 YEARS

6.75**

$114.82
(computed for 10 year loan)

11 - 20 YEAR

7.00**

$77.53
(computed for 20 year loan)

21 - 30 YEAR

7.50**

$69.92
(computed for 30 year loan)

HOME IMPROVEMENT

UP TO 5 YEARS

9.00

$207.58
(computed for 5 year loan)

HOME IMPROVEMENT
(Mortgage Customer Only)

UP TO 5 YEARS

7.50

$200.38
(computed for 5 year loan)

AUTO LOAN - NEW CAR

5 YEAR

7.25***

$199.19

4 YEAR

6.75***

$238.30

3 YEAR

6.50***

$306.49

2 YEAR

5.75***

$442.08

AUTO LOAN - USED CAR

5 YEAR

8.25***

$203.96

4 YEAR

7.75

$242.96

3 YEAR

7.25

$309.92

2 YEAR

6.50

$445.46

** No Points
***Certain Conditions Apply