|
|
All rates effective as of May 22, 2008
Checking Rates
| Account |
Minimum Balance |
Interest Rate |
Annual Percentage
Yield |
| Negotiable Order of Withdrawal (NOW) |
$1,000 |
.40% |
.40% |
| Money Market Accounts |
|
.80% |
.80% |
Savings Rates
| Account |
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
| Statement Savings |
|
.80% |
.80% |
| Passbook Savings |
|
.80% |
.80% |
| Christmas Club (Coupon) |
|
1.00% |
1.00% |
| Christmas Club (Automatic) |
|
1.10% |
1.10% |
Certificates of Deposit
| Term |
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
Interest
Compounded |
| 06 Month(s) |
$1,000.00 |
2.48% |
2.50% |
Quarterly |
| 07 Month(s) |
$1,000.00 |
2.48% |
2.50% |
Quarterly |
| 12 Month(s) |
$1,000.00 |
2.72% |
2.75% |
Quarterly |
| 18 Month(s) |
$1,000.00 |
2.72% |
2.75% |
Quarterly |
| 24 Month(s) |
$1,000.00 |
2.97% |
3.00% |
Quarterly |
| 36 Month(s) |
$1,000.00 |
3.21% |
3.25% |
Quarterly |
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IRA Rates
| Account |
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
| IRA / Roth Rates |
|
3.00% |
3.03% |
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Loan Rates
| Installment Rates |
|
Term (Months) |
Unsecured Annual Percentage Rate |
Unsecured Preferred Annual Percentage Rate |
New Auto Annual Percentage Rate |
New Boat/Motorcycle Annual Percentage Rate |
New RV's** Annual Percentage Rate |
Other *** |
| 12 |
9.75% |
9.50% |
5.50% |
8.25% |
9.25% |
7.00% |
| 13-24 |
10.25% |
10.00% |
5.50% |
8.25% |
9.25% |
7.00% |
| 25-36 |
10.75% |
10.50% |
5.50% |
8.25% |
9.25% |
7.00% |
| 37-48 |
11.75% |
11.50% |
5.50% |
8.50% |
9.50% |
7.25% |
| 49-60 |
13.00% |
12.75% |
6.00% |
8.75% |
10.50% |
7.25% |
|
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|
|
|
|
|
| Model Year |
Used Auto
48 Months |
Used Auto
60 Months |
Used Boat or Motorcycle
48 Months |
Used Boat or
Motorcycle
60 Months |
|
|
| 2007-2004 |
6.50% |
7.00% |
9.50% |
10.25% |
|
|
| 2003 or older |
7.00% |
n/a |
10.25% |
n/a |
|
|
| Mortgage Rates
- Primary Residence |
| Term |
Down Payment |
Balloon |
Annual Percentage
Rate |
Preferred Annual
Percentage Rate |
| 30 Years |
20% |
n/a |
7.125% |
6.875% |
| 30 Years |
20% |
5 Years |
7.750% |
7.500% |
| 20 Years |
20% |
n/a |
6.375% |
6.125% |
| 15 Years |
20% |
n/a |
6.240% |
5.990% |
| 10 Years |
20% |
n/a |
6.125% |
5.875% |
| |
|
|
|
|
| Home Equity Rates |
| Term |
Annual
Percentage Rate |
Preferred Annual Percentage Rate |
| 1-60 Months |
7.25% |
7.00% |
| 61-120 Months |
7.75% |
7.50% |
| 121-180 Months |
8.25% |
8.00% |
| Overdraft Protection Rates |
Annual Percentage Rate |
|
| Overdraft Checking Account Loans |
15.00% |
| |
|
| Commercial Prime Rate |
Annual Percentage Rate |
|
|
5.00% |
|
The above mentioned account descriptions are not all encompassing.
To request more information by mail contact :
National Bank of Coxsackie
3-7 Reed Street
Coxsackie, NY 12051-0400
Attention: New Account Opening
(518) 731-6161 Voice or Email at: Natbankcox@aol.com
Disclosures |
*National Bank of Coxsackie reserves the right to change interest rates at any time.
Please call for specific rate information.
* 1,500 minimum loan amount.
* $100.00 minimum monthly payment.
* 1/4% discount from these rates for auto-charge to National Bank of Coxsackie account.
This preferred rate is shown in the preferred
annual percentage rate column.
** RV's = snowmobile, ATV, Personal Watercraft, any off-road vehicle.
* 49 thru 60 month financing is available only for loan proceeds over $10,000
* Down payment, tem and rate to be determined on a case-to-case basis.
*** Other= Stocks, Bonds, Deposit Accounts at other New York banks. |
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