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Millington Savings Bank
Rate Board
Effective Date May 9, 2008
Certificates
of Deposit |
Term |
Rates |
APY |
| |
6 Month |
2.75 |
2.77 |
| |
7 Month |
2.89 |
2.93 |
| |
9 Month |
2.65 |
2.69 |
| |
12 Month |
2.70 |
2.74 |
| |
15 Month |
2.75 |
2.79 |
| |
18 Month |
2.70 |
2.74 |
| |
24 Month |
2.50 |
2.53 |
| |
30 Month |
2.75 |
2.79 |
| |
36 Month |
2.90 |
2.94 |
| |
48 Month |
2.92 |
2.96 |
| |
60 Month |
3.00 |
3.05 |
| |
120 Month |
3.75 |
3.82 |
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| IRA's |
Term |
Rates |
APY |
| |
18 Month Fixed |
3.50 |
3.56 |
| |
18 Month Variable |
2.50 |
2.53 |
| |
* IRA's also available in all CD terms excluding 30 month. |
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Savings
Rates |
Type |
Rates |
APY |
| |
Passbook Savings |
0.95 |
0.95 |
| |
Statement Savings |
1.00 |
1.01 |
| |
Money Market Savings |
1.05 |
1.06 |
| |
Holiday Club |
0.95 |
0.95 |
| |
Opportunity Savings |
| |
Invest |
Rate |
APY |
| |
$1,000.00 |
1.05% |
1.06% |
| |
$10,000 |
2.30% |
2.33% |
| |
$25,000 |
3.02% |
3.07% |
| |
$50,000 |
3.22% |
3.27% |
| |
$75,000 |
3.37% |
3.43% |
| |
$100,000 |
3.42% |
3.48% |
| |
> $500,000 |
3.52% |
3.58% |
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Checking
Account |
Type |
Rates |
APY |
| |
NOW Checking |
0.70 |
0.70 |
| |
Super NOW Checking |
0.80 |
0.80 |
| |
Money Market Checking |
0.95 |
0.95 |
| |
NJ Consumer Checking |
0.00% |
0.00% |
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Mortgage
Loans |
Type |
Rate |
APR |
| |
*30 year fixed |
6.25 |
6.30 |
| |
*15 year fixed |
5.75 |
5.82 |
| |
5 year balloon |
5.625 |
5.74 |
| |
3 year balloon |
5.50 |
5.67 |
| |
**Adjustable Rate |
4.50 |
6.75 |
| |
* Bi-weekly Mortgages Available |
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** Caps 2/6 - Margin 2.50% - Index US Treasury's One Year Constant Maturity |
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Construction
Loans |
Term |
Rate |
APR |
| |
1 year term |
One point over prime |
One point over prime |
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Home Equity
Loans |
Type |
Rate |
APR |
| |
*30 year fixed |
6.75 |
6.75 |
| |
*20 year fixed |
6.50 |
6.50 |
| |
*15 year fixed |
6.25 |
6.25 |
| |
*10 year fixed |
6.00 |
6.00 |
| |
*5 year fixed |
5.75 |
5.75 |
| |
Line of Credit
(variable rate) |
Prime |
Prime |
| |
*Save .25% when you automatically deduct your payment from a new or existing Millington account |
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| Consumer / Auto Loans |
Term/Type |
Rate |
APR |
| |
*3 year fixed
(new car) |
6.500 |
6.500 |
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*4 year fixed
(new car) |
6.750 |
6.750 |
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*5 year fixed
(new car) |
7.000 |
7.000 |
| |
*6 year fixed
(new car) |
7.750 |
7.750 |
| |
*3 year fixed
(used car) |
7.250 |
7.250 |
| |
*4 year fixed
(used car) |
7.625 |
7.625 |
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Personal Loan
(max 4 years) |
14.000% |
14.000% |
| |
Overdraft Protection |
Prime+4.0% |
Prime+4.0% |
| |
*Save .25% when you automatically deduct your payment from a new or existing Millington account. |
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