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Schuyler Rates
| Regular Savings | ||||
|---|---|---|---|---|
| Title | Compounding Method | Rate | APY** | Additional Information |
| Passbook Savings Account | Daily (365/365) | 0.35% | 0.35% | Initial deposit of $50 required. Rate subject to change. |
| Statement Savings Account w/ATM Card | Daily (365/365) | 0.35% | 0.35% | Initial deposit of $50 required. Rate subject to change. ATM Card available. |
| Kid Savers Account | Daily (365/365) | 0.40% | 0.40% | Initial deposit of $1 required. Rate subject to change. |
| Money Market Savings | ||||
|---|---|---|---|---|
| Title | Compounding Method | Rate | APY** | Additional Information |
| Money Market Passbook | Daily (365/365) | 0.30% | 0.30% | Initial deposit of $1000 required. Rate subject to change. |
| Premimum Tiered Money Market Account | Daily (365/365) | Tier1 0.40% | Tier1 0.40% | 1st Tier balance requirement is $10,000.00 to $49,999.99. Initial deposit to open is $10,000.00. |
| Tier2 0.50% | Tier2 0.50% | 2nd Tier balance requirement is $50,000.00 and over. Initial deposit to open is $50,000.00. | ||
| CDs | |||||
|---|---|---|---|---|---|
| Title | Compounding Method | Rate | APY** | Minimum to Open | Interest Credited |
| 91 Days | Daily (365/365) | 0.35% | 0.35% | $1,000 | End of Term |
| 99 Days | Daily (365/365) | 0.35% | 0.35% | $1,000 | End of Term |
| 5 Months | Daily (365/365) | 0.40% | 0.40% | $1,000 | End of Term |
| 6 Months | Daily (365/365) | 0.40% | 0.40% | $1,000 | Monthly or End of Term |
| 7 Months | Daily (365/365) | 0.40% | 0.40% | $1,000 | End of Term |
| 12 Months | Daily (365/365) | 0.60% | 0.60% | $1,000 | Monthly or Quarterly |
| 13 Months | Daily (365/365) | 0.60% | 0.60% | $1,000 | Quarterly |
| 18 Months | Daily (365/365) | 0.90% | 0.90% | $1,000 | Quarterly |
| 18 Month Flexible | Daily (365/365) | 0.90% | 0.90% | $1,000 | Monthly |
| 18 Month Variable | Daily (365/365) | 0.90% | 0.90% | $1,000 | Monthly |
| 24 Months | Daily (365/365) | 0.999% | 1.00% | $1,000 | Quarterly |
| 30 Months | Daily (365/365) | 1.04% | 1.05% | $1,000 | Quarterly |
| 36 Months | Daily (365/365) | 1.39% | 1.40% | $1,000 | Quarterly |
| 36 Month Flexible | Daily (365/365) | 1.39% | 1.40% | $1,000 | Monthly |
| 48 Month | Daily (365/365) | 1.44% | 1.45% | $1,000 | Quarterly |
| 60 Month | Daily (365/365) | 1.59% | 1.60% | $1,000 | Quarterly |
| Club Accounts | ||||
|---|---|---|---|---|
| Title | Compounding Method | Rate | APY** | Additional Information |
| Christmas Club | Interest not compounded. | 0.35% | 0.35% | The amount of Club Passbooks available are: $2 |
| Vacation Club | Interest not compounded. | 0.35% | 0.35% | The amount of Club Passbooks available are: $2 |
| Personal Checking | ||||||
|---|---|---|---|---|---|---|
| Title | Compounding Method | Rate | APY** | Interest Credited | Additional Information | Balance For No Fee |
| Senior Checking | Simple Interest | 0.25% | 0.25% | Montly | Initial deposit of $1 required to open. | No minimum required. |
| NOW Checking | Simple Interest | 0.25% | 0.25% | Monthly | Initial deposit of $100 required to open. | $100 minimum daily required. |
| Community Checking | N/A | N/A | N/A | N/A | Initial deposit of $50 required to open. There is a service charge of $3 per month. | N/A |
| Business Checking | ||||||
|---|---|---|---|---|---|---|
| Title | Compounding Method | Rate | APY** | Interest Credited | Additional Information | Balance For No Fee |
| Small Business Checking | Simple Interest | 0.25% | 0.25% | Monthly | Initial deposit of $100 required to open. | $100 balance required for no monthly fee. |
| Business | N/A | N/A | N/A | N/A | Initial deposit of $100 required to open. | $100 balance required for no monthly fee. |
| Fixed Rate Mortgages | |||||
|---|---|---|---|---|---|
| Title | Rate | APR* | Terms | Additional Information | Monthly Payment Per $1000 |
| 30 Years | 4.625% | 4.707% | 360 | Mortgage will amortize over 30 years Apply Online | $5.14 |
| 30 Year 1st Time Homebuyer | 4.625% | 4.676% | 360 | Mortgage will amortize over 30 years Apply Online | $5.14 |
| 25 Years | 4.625% | 4.684% | 300 | Mortgage will amortize over 25 years Apply Online | $5.63 |
| 20 Years | 4.365% | 4.433% | 240 | Mortgage will amortize over 20 years Apply Online | $6.25 |
| 15 Years | 3.750% | 3.832% | 180 | Mortgage will amortize over 15 years Apply Online | $7.27 |
| 10 Years | 3.625% | 3.868% | 120 | Mortgage will amortize over 10 years Apply Online | $9.95 |
| Balloon Mortgages | |||||
|---|---|---|---|---|---|
| Title | Rate | APR* | Terms | Additional Information | Monthly Payment Per $1000 |
| 15/30 Balloon | 4.365% | 4.311% | 360 | Balloon loans offer a conditional right to renew and extend the loan at maturity for the remaining 15-year term. Apply Online | $4.92 |
| 10/30 Balloon | 4.275% | 4.353% | 360 | Balloon loans offer a conditional right to renew and extend the loan at maturity for the another 10-year term. Apply Online | $4.93 |
| Adjustable Rate Mortgages | |||||
|---|---|---|---|---|---|
| Title | Rate | APR* | Terms | Additional Information | Monthly Payment Per $1000 |
| 10/1/30 | 4.250% | 3.803% | 360 | Reprices annually after 10 years. Apply Online | $4.92 |
| 7/1/30 | 3.950% | 3.450% | 360 | Reprices annually after 7 years. Apply Online | $4.75 |
| 5/5/30 | 3.750% | 3.744% | 360 | Reprices annually after 5 years. Apply Online | $4.63 |
| 3/3/30 | 3.650% | 3.313% | 360 | Reprices annually after 3 years. Apply Online | $4.57 |
| 1/1/30 | 2.750% | 2.933% | 360 | Reprices annually after 1 year. Apply Online | $4.08 |
| Equity Loan | |||||
|---|---|---|---|---|---|
| Title | Rate | APR* | Terms | Additional Information | Monthly Payment Per $1000 |
| 20 Years | 5.250% | 5.250% | 240 | Mortgage will amortize over 20 years. Apply Online | $6.74 |
| 15 Years | 4.875% | 4.875% | 180 | Mortgage will amortize over 15 years. Apply Online | $7.84 |
| 10 Years | 4.625% | 4.625% | 120 | Mortgage will amortize over 10 years. Apply Online | $10.42 |
| 5 Years | 3.950% | 3.950% | 60 | Mortgage will amortize over 5 years. Apply Online | $18.39 |
| Home Equity Line of Credit | ||||
|---|---|---|---|---|
| Title | Rate | APR* | Terms | Additional Information |
| 15-Year (Variable Rate) | 5.500% | 5.500% | 180 | Introductory Rate - During the first 6-month period following the closing date, the interest rate and APR will be fixed at 3.99%. Thereafter the interest rate and APR will be variable. The interest rate will never exceed 16.00% ( |
| Auto Loan | ||||
|---|---|---|---|---|
| Title | APR* | Terms | Additional Information | Monthly Payment Per $1000 |
| New Auto | 6.50% | 48 | Maximum Loan Amount $30,000. 10% Down Payment Required. | $23.72 |
| New Auto | 6.75% | 60 | Maximum Loan Amount $30,000. 10% Down Payment Required. | $19.69 |
| Used Auto | 7.00% | 60 | Maximum Loan Amount $30,000. 20% Down Payment Required. (2 Years Old or Newer). | $19.81 |
| Used Auto | 7.50% | 48 | Maximum Loan Amount $30,000. 20% Down Payment Required. (3-4 Years Old or Newer). | $24.18 |
| Used Auto | 8.00% | 24 | Maximum Loan Amount $30,000. 20% Down Payment Required. (Maximum 5 Years Old). | $45.23 |
| Community Reinvestment Act Low/Moderate Income Borrowers Loan Program | |||||
|---|---|---|---|---|---|
| Title | Rate | APR* | Terms | Additional Information | Monthly Payment Per $1000 |
| 5 Years | 2.99% | 2.99% | 60 | Mortgage will amortize over 5 years. | $17.96 |
| 10 Years | 2.99% | 2.99% | 120 | Mortgage will amortize over 10 years. | $9.65 |
| 15 Years | 2.99% | 2.99% | 180 | Mortgage will amortize over 15 years. | $6.90 |
Interest rates and APR's are effective as of 2/2/2012
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