|
Current Rates
| CheckingTop |
Type of Account |
Interest Rate |
Annual Percentage Yield |
Min. Balance to Earn APY |
|
| Just Checking |
Non-Int. Bearing |
Non-Int. Bearing |
$0.00 |
|
| Student Checking |
0.10% |
0.10% |
$50.00 |
|
| Senior Partner Checking |
0.25% |
0.25% |
$10.00 - 1499.99
|
| |
2.20% |
2.25% |
$1,500.00 -4,999.99 |
| |
2.23% |
2.25% |
$5,000.00 and above |
|
| Flexible Checking |
0.10% |
0.10% |
$100.00 |
|
| Flex Gold Checking |
0.10% |
0.10% |
$100.00 - 9,999.99 $10,000.00 - 24,999.99
$25,000.00 and above |
| |
0.15% |
0.15% |
| |
0.25% |
0.25% |
|
| Flex Platinum |
0.20% |
0.20% |
$100.00 - 9,999.99 $10,000.00 - 24,999.99 $25,000 and above |
| |
0.30% |
0.30% |
| |
0.40% |
0.40% |
|
Business Flex
Checking |
0.25% |
0.25% |
$1,000 - 9,999.99
|
| |
0.50% |
0.50% |
$10,000.00 - 24,999.99 |
| |
0.75% |
0.75% |
$25,000.00 - 49,999.99 |
| |
1.00% |
1.00% |
$50,000.00 - 99,999.99 |
| |
1.24% |
1.25% |
$100,000.00 - 249,999.99 |
| |
1.48% |
1.50% |
$250,000.00 - 1,499,999.99 |
| |
1.00% |
1.00% |
$1,500,000 and above |
| Non Profit Flex Checking |
0.25% |
0.25% |
$100.00 - 999.99 |
| |
0.50% |
0.50% |
$1,000.00 - 9,999.99 |
| |
0.75% |
.075% |
$10,000.00 - 24,999.99 |
| |
0.90% |
0.90% |
$25,000.00 - 49,999.99 |
| |
1.24% |
1.25% |
$50,000.00 - 99,999.99 |
| |
1.48% |
1.50% |
$100,000.00 - 1,499,999.99 |
| |
1.00% |
1.00% |
$1,500,000.00 and above |
|
| Just Business Checking |
Non-Int. Bearing |
Non-Int. Bearing |
$0.00 |
|
| Just Business Checking Plus |
Non-Int. Bearing |
Non-Int. Bearing |
$0.00 |
|
|
|
|
|
| SavingsTop |
Type of Account |
Interest Rate |
Annual Percentage Yield |
Min. Balance to Earn APY |
|
|
| Passbook |
0.75% |
0.75% |
$10.00 |
|
| Statement Savings |
0.75% |
0.75% |
$10.00 |
|
| Youth Savings |
0.75% |
0.75% |
$10.00 |
|
| Senior Partner Savings |
0.75% |
0.75% |
$10.00 - 499.99 |
|
2.96% |
3.00% |
$500.00 - $9999.99
|
| |
2.96% |
3.00% |
$10,000.00 and above |
|
| Business Savings |
1.00% |
1.00% |
$1,000.00 - 9999.99 |
| |
1.24% |
1.25% |
$10,000.00 - 24,999.99 |
| |
1.48% |
1.50% |
$25,000.00 - 49,999.99 |
| |
1.73% |
1.75% |
$50,000.00 - 99,999.99 |
| |
1.98% |
2.00% |
$100,000.00 - 249,999.99 |
| |
2.22% |
2.25% |
$250,000.00 - 2,499,999.99 |
| |
1.00% |
1.00% |
$2,500,000.00 and above |
| Vacation Club |
1.00% |
1.00% |
$10.00 |
|
| Holiday Club |
1.00% |
1.00% |
$10.00 |
|
| Escrow Management |
0.50% |
0.50% |
$1,000.00 |
|
| Money MarketTop |
Type of Account |
Interest Rate |
Annual Percentage Yield |
Min. Balance to Earn APY |
|
|
| Personal Money Market |
1.24% |
1.25% |
$1,000.00 - 9,999.99 |
| |
1.49% |
1.50% |
$10,000.00 - 24,999.99 |
| |
1.73% |
1.75% |
$25,000.00 - 49,999.99 |
| |
1.98% |
2.00% |
$50,000.00 - 99,999.99 |
| |
2.47% |
2.50% |
$100,000.00 - 249,999.99 |
| |
2.71% |
2.75% |
$250,000.00 - 2,499,999.99 |
| |
1.00% |
1.00% |
$2,500,000.00 and above |
|
| Business Money Market |
1.24% |
1.25% |
$1,000.00 - 9,999.99 |
| |
1.49% |
1.50% |
$10,000.00 - 24,999.99 |
| |
1.73% |
1.75% |
$25,000.00 - 49,999.99 |
| |
1.98% |
2.00% |
$50,000.00 - 99,999.99 |
| |
2.47% |
2.50% |
$100,000.00 - 249,000.00 |
| |
2.71% |
2.75% |
$250,000.00 - 2,499,999.99 |
| |
1.00% |
1.00% |
$2,500,000.00 - above |
|
| Certificates of DepositTop |
Type of Account |
Interest Rate |
Annual Percentage Yield |
Min. Balance to Earn APY |
|
|
| 91 Day Fixed Rate |
2.22% |
2.25% |
$10,000.00 |
|
|
| 6 Month Fixed Rate |
2.96% |
3.00% |
$500.00 - 9999.99 |
|
| |
3.11% |
3.15% |
$10,000.00 and above |
|
|
| 12 Month Fixed Rate |
3.06%
|
3.10% |
$500.00 - 9999.99 |
|
| |
3.21% |
3.25% |
$10,000.00 and above |
|
|
| 18 Month Fixed Rate |
3.11% |
3.15% |
$500.00 - $9999.99 |
|
| |
3.26% |
3.30% |
$10,000.00 and above |
|
|
| 24 Month Fixed Rate |
2.97% |
3.00% |
$500.00 - 9999.99 |
|
| |
3.21% |
3.25% |
$10,000.00 and above |
|
|
| 30 Month Fixed Rate |
2.97% |
3.00% |
$500.00 - 9999.99 |
|
| |
3.21% |
3.25% |
10,000.00 and above |
|
|
| 36 Month Fixed Rate |
2.97% |
3.00% |
$500.00 - 9999.99 |
|
| |
3.21% |
3.25% |
10,000.00 and above |
|
|
| 48 Month Fixed Rate |
3.21% |
3.25% |
$500.00 - 9999.99 |
|
| |
3.45% |
3.50% |
$10,000.00 and above |
|
| 60 Month Fixed Rate |
3.21% |
3.25% |
$500.00 - 9999.99 |
|
| |
3.45% |
3.50% |
$10,000.00 and above |
|
|
| |
| Special OffersTop |
Type of Account |
Interest Rate |
Annual Percentage Yield |
Min. Balance to Earn APY |
Features |
|
10 Month Fixed Rate
Certificate |
3.45% |
3.50% |
$2000.00 an above |
|
14 Month Fixed Rate
Certificate |
3.45% |
3.50% |
$2000.00 an above |
|
20 Month Fixed Rate
Certificate |
3.45% |
3.50% |
$2000.00 an above |
|
| |
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| |
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|
Loans/Lines of Credit
Top
|
Home Equity Term Loans |
Annual Percentage Rate |
Annual Percentage Rate |
Term |
Regular |
Auto Deduct |
12-60 Months |
6.24% |
5.99% |
61-120 Months |
6.49% |
6.24% |
121-180 Months |
6.74% |
6.49% |
181-240 Months |
7.49% |
7.24% |
* Annual percentage rate (APR) on new home equity loans of $5,000 or more with payment automatically deducted from an East River Bank Flex Gold or Flex Platinum account. If automatic payment deduction is not elected, APR increases 0.50%. For example, the monthly payment for a five-year loan with a fixed rate of 5.99% APR would be $19.33 for each $1,000 borrowed. Rates are subject to change. Home Equity Rates reflect an 80% or less loan-to-value. Interest may be tax-deductible; consult your tax advisor. Offer subject to credit approvals. Other costs and fees may apply.
Property Insurance is required. |
|
| Home Equity Line of Credit |
|
Annual Percentage Rate |
| |
Interest Rates |
Current Interest Rate |
| |
WSJ Prime - 0.75% |
6.00% |
| *** 6.00% annual percentage rate (APR) (as of 11/1/07) varies based on the Prime Rate (minus 0.75%) as published in The Wall Street Journal (WSJ) on the last business day of the calendar month preceding the first day of the billing cycle. This rate reflects an 80% or less, loan-to-value with an $80,000 minimum loan amount. Maximum APR is 18%. Interest may be tax-deductible; consult your tax advisor. Offer subject to credit approvals. Call us for terms and rates on loans under $80,000 or above 80% loan -to-value, . Other costs and fees may apply. Property Insurance is Required. |
|
|
Annual Percentage Rate |
Annual Percentage Rate |
Term |
Regular |
Auto Deduct |
12-36 Months |
7.24% |
6.99% |
37-72 Months |
7.49% |
7.24% |
| Used Automobiles |
Annual Percentage Rate |
Annual Percentage Rate |
Term |
Regular |
Auto Deduct |
12-48 Months |
8.49% |
8.24% |
|
Annual Percentage Rate |
Annual Percentage Rate |
Amount of Loan |
Regular |
Auto Deduct |
$2000 to $10,000.00 |
11.74% |
11.49% |
under $2000.00 |
14.99% |
14.74% |
| Ready Reserve Line of Credit |
Annual Percentage Rate |
Annual Percentage Rate |
Amount of Loan |
Rate |
Current Rate |
|
WSJ Prime + 3.5% |
9.50% |
| **All rates listed are Annual Percentage Rates. The Auto deduction discount rate will be given to anyone who has their loan payment automatically deducted from an East River Bank Flex Gold or Flex Platinum account. Automatic deduction discount from other East River Bank accounts availabile. |
|
| All rates are subject to change |
Other rates and terms available, contact us |
|
|
| |
Member FDIC.
Rates are subject to change at any time.
A Penalty may be imposed on Certificates of Deposit for withdrawals prior to maturity. Fees could reduce the earnings on the accounts.
Please call 267-295-6420 or see a Personal Banker with any questions and for terms and conditions on your account.
Call 866-774-3280 for 24 Hour Account Access |
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