|
|
ACCOUNT
TYPE
|
MINIMUM
DEPOSIT
TO OPEN
ACCOUNT
|
MINIMUM BALANCE
TO OBTAIN ANNUAL
PERCENTAGE
YIELD
|
INTEREST RATE
|
Annual Percentage Yield
|
COMPOUNDING
|
|
|
|
|
|
|
|
|
Completely
Free Checking
|
$50
|
N/A
|
None
|
None
|
N/A
|
|
50+
Free Interest Checking
|
$50
|
N/A
|
1.00%
|
1.00%
|
Monthly
|
|
VIP Free Interest Checking
|
$50
|
N/A
|
1.00%
|
1.00%
|
Monthly
|
|
Low
Minimum Interest Checking
|
$50
|
N/A
|
1.00%
|
1.00%
|
Monthly
|
|
No
Minimum Interest Checking
|
$50
|
N/A
|
1.00%
|
1.00%
|
Monthly
|
|
Economy
Interest Checking
|
$50
|
.01-$9,999
|
1.00%
|
1.00%
|
Monthly
|
|
Statement
Savings
|
$50
|
$1 - $499
$500 - $4999
$5000 - $24,999
$25,000 and over
|
0.10%
0.40%
0.60%
1.15%
|
0.10%
0.40%
0.60%
1.16%
|
Quarterly
Quarterly
Quarterly
Quarterly
|
|
Salin
Account
|
$10,000
|
$1 - $9,999
$10,000 or more
|
0.30%
2.18%
|
0.30%
2.20%
|
Monthly
Monthly
|
* Fees may reduce earnings
RATES ARE EFFECTIVE AS OF November 23, 2007. AND ARE SUBJECT
TO CHANGE.
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|
|
|
|
|
Product
|
Compounding
|
Rate Tier
|
Rate
|
APY
|
|
|
Premier
Personal Savings
|
Monthly
|
$0 - $9,999
|
1.00%
|
1.00%
|
|
|
Premier
Personal Savings
|
Monthly
|
> $10,000
|
3.75%
|
3.82%
|
|
|
|
Premier
Business Savings
|
Monthly
|
$0 - $9,999
|
1.00%
|
1.00%
|
|
|
|
Premier
Business Savings
|
Monthly
|
> $10,000
|
3.95%
|
4.02%
|
|
|
|
Premier
Personal Checking
|
Monthly
|
$0 - $9,999
|
1.00%
|
1.00%
|
|
|
|
Premier
Personal Checking
|
Monthly
|
> $10,000
|
2.00%
|
2.02%
|
|
|
|
Premier
Business Checking
|
Monthly
|
$0 - $9,999
|
1.00%
|
1.00%
|
|
|
|
Premier
Business Checking
|
Monthly
|
> $10,000
|
2.00%
|
2.02%
|
|
RATES ARE EFFECTIVE AS OF November 23, 2007 AND ARE SUBJECT TO CHANGE.
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|
|
|
|
|
|
ACCOUNT TYPE
|
MINIMUM
DEPOSIT
TO OPEN
ACCOUNT
|
MINIMUM BALANCE TO OBTAIN
ANNUAL PERCENTAGE YIELD
|
INTEREST
RATE
|
ANNUAL PERCENTAGE YIELD
|
|
|
|
|
|
|
|
|
Business
Analysis Checking
|
$50
|
N/A
|
Earnings credit offset fees
|
None
|
|
Basic
Business Checking
|
$50
|
N/A
|
None
|
None
|
|
Business
Interest Checking
|
$50
|
N/A
|
Earnings credit offset fees
|
Interest earned on average
available balance
|
RATES ARE EFFECTIVE AS OF November 23, 2007 AND ARE SUBJECT TO CHANGE.
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|
ACCOUNT
TYPE
|
MINIMUM DEPOSIT TO OPEN
ACCOUNT
|
ANNUAL PERCENTAGE YIELD
|
INTEREST RATE
|
COMPOUNDING
|
|
|
|
|
|
|
|
3 month CD
|
$1,500.00
|
2.85%
|
2.82%
|
Maturity
|
|
6 month CD
|
$1,500.00
|
3.42%
|
3.39%
|
Maturity
|
|
12
month CD
|
$1,500.00
|
3.79%
|
3.79%
|
Annually
|
|
18
month CD
|
$1,500.00
|
3.89%
|
3.89%
|
Annually
|
|
24
month CD
|
$1,500.00
|
3.96%
|
3.96%
|
Annually
|
|
30
month CD
|
$1,500.00
|
4.05%
|
4.05%
|
Annually
|
|
36
month CD
|
$1,500.00
|
4.09%
|
4.09%
|
Annually
|
|
48
month CD
|
$1,500.00
|
4.19%
|
4.19%
|
Annually
|
|
60
month CD
|
$1,500.00
|
4.29%
|
4.29%
|
Annually
|
Substantial
penalty for early withdrawal. Rates are subject to change on variable
accounts.
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|
|
|
|
|
ACCOUNT
TYPE
|
MINIMUM
DEPOSIT
TO OPEN
ACCOUNT
|
COMPOUNDING
|
ANNUAL
PERCENTAGE
YIELD
|
INTEREST
RATE
|
|
|
|
|
|
|
|
|
12
MONTH FIXED IRA
|
$1,500.00
|
QUARTERLY
|
3.84%
|
3.79%
|
|
36
MONTH FIXED IRA
|
$1,500.00
|
QUARTERLY
|
4.15%
|
4.09%
|
|
48
MONTH FIXED IRA
|
$1,500.00
|
QUARTERLY
|
4.26%
|
4.19%
|
|
60
MONTH FIXED IRA
|
$1,500.00
|
QUARTERLY
|
4.36%
|
4.29%
|
|
|
12
MONTH FIXED ROTH IRA
|
$1,500.00
|
QUARTERLY
|
3.84%
|
3.79%
|
|
|
36
MONTH FIXED ROTH IRA
|
$1,500.00
|
QUARTERLY
|
4.15%
|
4.09%
|
|
60
MONTH FIXED ROTH IRA
|
$1,500.00
|
QUARTERLY
|
4.36%
|
4.29%
|
|
18
MONTH VARIABLE ROTH IRA
|
$1,500.00
|
QUARTERLY
|
3.14%
|
3.10%
|
|
12
MONTH FIXED EDUCATION IRA
|
$500.00
|
QUARTERLY
|
3.84%
|
3.79%
|
|
60
MONTH FIXED EDUCATION IRA
|
$500.00
|
QUARTERLY
|
4.36%
|
4.29%
|
Substantial
penalty for early withdrawal. Rates are subject to change on variable
accounts.
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Salin Bank and Trust offers
competitive rates and terms for your auto finance needs. We offer:
- Up to 72 month terms on new
vehicles with loan amounts greater than $20,000
- Rate discounts for larger
down payments
- Automatic payment deduction
discount
- Payment protection to
protect payments in the event of death or disability
- GAP insurance available to
protect you in the event your vehicle is lost or stolen and the
insurance settlement is less than the outstanding balance on your auto
loan
Please call 1-800-320-7536 for
rates!
Salin Bank & Trust Company
is an Indiana community bank lending to residents of Indiana and contiguous
states only.
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|
UNSECURED
|
|
AMOUNT
|
MAX TERM
|
RATE
|
APR
|
PAYMENT PER
$1,000
|
|
$2,500 AND OVER
|
36 MONTHS
|
14.49%
|
15.05%
|
$34.70
|
APR is based on a $10,000 unsecured loan for 36 months.
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|
Regular
Rates
- Monthly
payment based on 1% of monthly balance, interest only payment option
available
- $10,000
minimum loan amount
- 100%
Maximum LTV
- $49
annual fee waived for the first year
- Closing
costs paid by Salin Bank&Trust
- Interest
may be tax deductible. Consult your tax advisor.
- Primary
residence only
|
Rate/APR
|
LTV
|
PAYMENT PER
$1,000
|
|
Prime -.25%
|
Less than 80%
|
1% of balance
|
|
Prime +.25%
|
80%-90%
|
1% of balance
|
|
Prime +1.00%
|
91%-100%
|
1% of balance
|
Rates subject to change without notice. Actual rate is based on loan-to-value
and credit qualifications. Rate may increase after consummation. All accounts
subject to application, credit approval, and acceptable appraisal, flood, and
title searches.
HELOC Fixed Rate Lock Option Feature
A new
feature has been added to our existing Home Equity Line of Credit product
where you now have the capability to lock a portion of their total credit
line with a fixed interest rate and a fixed term. This new feature can now help take the
guesswork out of applying for either a home equity line of credit or a fixed
rate / fixed term second mortgage.
Here’s how it works:
It’s
like splitting one loan into two, three, or even four different loans. One loan (the original line of credit) has
a variable interest rate; the other loans have a fixed interest rate.
EXAMPLE SALIN BANK HOME EQUITY
LINE OF CREDIT=$50,000
- Up to three (3) locks can be used on one line
- As the lock(s) are paid down,
the available high credit to draw on the overall line is replenished
- Minimum lock amount is $2,500
- Can lock a rate immediately
after closing of the HELOC (after right of rescission)
- $50 one-time lock fee for
each rate lock. This fee is
charged to the line.
- Locks are to be done in 12
month term increments
- Rates for fixed rate locks
are based on the term of the lock and will correspond with our current
fixed rate / fixed term second mortgage rates.
- Interest only payment option
is available on locks for terms up to 7 years
- One complete monthly
statement will be sent to you detailing the overall line and each rate
lock. You are billed only one
payment for the total overall line of credit including any rate
lock(s). The due dates for each
rate lock will coincide with their current credit line due date.
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|
FIXED RATE SECOND
MORTGAGES
|
- $10,000
minimum loan amount
- 100%
LTV maximum
- Closing
costs paid by Salin Bank&Trust
- No
annual fee
- Interest
may be tax deductible. Consult your tax advisor.
- Primary
residence only.
- $150
loan fee on terms greater than 10 years.
- All
HMDA information is required at time of application
CALL 1-800-320-7536 FOR RATES!
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Please
call 1-800-320-7536 for rate information.
IMPORTANT
INFORMATION
Minimum
Finance charge is $39.00. Documentation fee is $80.00 on all consumer
installment loans without automatic payment deduction from a Salin Bank&Trust deposit account. On all fixed rate second
mortgages that have terms greater than 120 months, there is a $150
documentation fee.
|