FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Current Rates
Deposit Rates
Rates Effective: October 1, 2024
APY = Annual Percentage Yield.
Rates subject to change without notice.
|
Certificates of Deposit | |||
|---|---|---|---|
|
Term |
Minimum Balance to Open |
Interest Rate (%) |
APY (%) |
|
91 Day |
$2,500 |
1.00 |
1.00 |
|
6 Month |
$2,500 |
3.00 |
3.00 |
|
1 Year |
$500 |
4.00 |
4.00 |
|
2 Year |
$500 |
2.75 |
2.75 |
|
3 Year |
$500 |
3.00 |
3.00 |
|
4 Year |
$500 |
1.00 |
1.00 |
|
5 Year |
$500 |
1.00 |
1.00 |
|
6 Year |
$500 |
1.00 |
1.00 |
|
7 Year |
$500 |
1.00 |
1.00 |
|
8 Year |
$500 |
1.00 |
1.00 |
|
9 Year |
$500 |
1.00 |
1.00 |
|
10 Year |
$500 |
1.00 |
1.00 |
|
In Branch Specials | |||
|
Term |
Minimum Balance to Open |
Interest Rate (%) |
APY (%) |
|
6 Month |
$5,000 |
4.00 |
4.00 |
|
9 Month |
$5,000 |
4.00 |
4.00 |
|
|
|
|
|
|
A penalty may be imposed for early withdrawal |
|||
|
Balance Tier |
Balance to Earn Interest |
Interest Rate (%) |
APY (%) |
|
$1,000 - $9,999.99 |
$1,000 |
0.05 |
0.05 |
|
$10,000 - $24,999.99 |
$10,000 |
0.10 |
0.10 |
|
$25,000 - $49,999.99 |
$25,000 |
0.15 |
0.15 |
|
$50,000 + |
$50,000 |
0.20 |
0.20 |
|
Christmas Club Account | |||
|
Minimum to Open |
Minimum to Earn Interest |
Interest Rate (%) |
APY (%) |
|
$20 |
$100 |
0.05 |
0.05 |
|
*Minimum deposit to open an account is $2,500 Other Savings & Checking Programs Available |
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Loan Rates
Rates Effective: November 12, 2024
APR = Annual Percentage Rate.
Rates subject to change without notice.
|
Term |
Loan Amount |
Interest Rate(%) |
Points (%) |
APR(%) |
Payment/$1,000 |
|---|---|---|---|---|---|
|
10 Yr Conforming |
$0 - $766,550 |
5.875 |
0 |
6.305 |
$11.04 |
|
15 Yr Conforming |
$0 - $766,550 |
5.990 |
0 |
6.296 |
$8.43 |
|
20 Yr Conforming |
$0 - $766,550 |
6.375 |
0 |
6.627 |
$7.38 |
|
30 Yr Conforming |
$0 - $766,550 |
6.625 |
0 |
6.821 |
$6.40 |
|
1/1 ARM |
$0 - $766,550 |
Not Currently Offered |
See Our Fixed Rate Offerings |
|
|
|
3/1 ARM |
$0 - $766,550 |
Not Currently Offered |
See Our Fixed Rate Offerings |
|
|
|
5/1 ARM |
$0 - $766,550 |
Not Currently Offered |
See Our Fixed Rate Offerings |
|
|
|
7/1 ARM |
$0 - $766,550 |
Not Currently Offered |
See Our Fixed Rate Offerings |
|
|
|
10/1 ARM |
$0 - $766,550 |
Not Currently Offered |
See Our Fixed Rate Offerings |
|
|
|
Jumbo Loan Rates | |||||
|
10 Yr Jumbo |
$766,551 - $1,000,000 |
5.875 |
0 |
6.246 |
$11.04 |
|
15 Yr Jumbo |
$766,551 - $1,000,000 |
5.990 |
0 |
6.254 |
$8.43 |
|
20 Yr Jumbo |
$766,551 - $1,000,000 |
6.375 |
0 |
6.592 |
$7.38 |
|
30 Yr Jumbo |
$766,551 - $1,000,000 |
6.625 |
0 |
6.794 |
$6.40 |
|
1/1 ARM |
$766,551 - $1,000,000 |
Not Currently Offered |
See Our Fixed Rate Offerings |
|
|
|
3/1 ARM |
$766,551 - $1,000,000 |
Not Currently Offered |
See Our Fixed Rate Offerings |
|
|
|
5/1 ARM |
$766,551 - $1,000,000 |
Not Currently Offered |
See Our Fixed Rate Offerings |
|
|
|
7/1 ARM |
$766,551 - $1,000,000 |
Not Currently Offered |
See Our Fixed Rate Offerings |
|
|
|
10/1 ARM |
$766,551-$1,000,000 |
Not Currently Offered |
See Our Fixed Rate Offerings |
|
|
|
We have rates available for loans greater than $900,000. Please contact our Loan Division at (724) 935-7400 for more information. Jumbo Rates available with a maximum 80% LTV. All mortgage loans require at least 20% equity. Interest rates for Variable and ARM products may increase after loan origination. Please contact the Loan Division for terms and conditions. APR's and monthly payments shown above assume a transaction with a $300,000 loan at the fee and term identified for a Conforming loan and $766,551 for a Jumbo loan. All loan terms and conditions are subject to underwriting approval. If the term is not identified, a 30 year term is assumed. For loan amounts below $75,000 please contact the Loan Division. |
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|
Home Equity rates quoted are for loan amounts $50,000 and up. Contact our Loan Division at 724-935-7400 for rates on loan amounts from $5,000-$49,999. | |||||
|---|---|---|---|---|---|
|
Type |
LTV Ratio |
Term |
Interest Rate(%) |
APR(%) |
Payment/$1,000 |
|
Fixed Home Equity |
Up to 80% LTV - 1ST LIEN |
36 mos |
5.800 |
6.978 |
$30.33 |
|
60 mos |
5.950 |
6.685 |
$19.31 |
||
|
84 mos |
6.050 |
6.592 |
$14.63 |
||
|
120 mos |
6.090 |
6.484 |
$11.15 |
||
|
180 mos |
6.190 |
6.471 |
$8.54 |
||
|
240 mos |
6.490 |
6.720 |
$7.45 |
||
|
Up to 80% LTV - 2ND LIEN |
36 mos |
5.800 |
6.978 |
$30.33 |
|
|
60 mos |
5.950 |
6.685 |
$19.31 |
||
|
84 mos |
6.050 |
6.592 |
$14.63 |
||
|
120 mos |
6.090 |
6.484 |
$11.15 |
||
|
180 mos |
6.190 |
6.471 |
$8.54 |
||
|
240 mos |
6.490 |
6.720 |
$7.45 |
||
|
APR's shown above assume a transaction with a $50,000 loan for the term shown. All loan terms and conditions are subject to underwriting approval. Interest rates can be lowered by one-eighth percent (1/8%) if you have automatic payment set up from your West View Savings Bank checking account or you are a member of our Select Service Club (SSC). Call us for details!! Please contact the Loan Division at (724)935-7400 for open end and closed-end Home Equity Loan document preparation fees. |
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|
Type |
LTV Ratio |
Intro Interest Rate (%) |
Reg. Interest Rate (%) |
|
|---|---|---|---|---|
|
Equity Line of Credit |
Up to 75% |
6.95 |
6.95 |
|
|
Minimum monthly payment is the greater of $50.00 or 0.2% of the loan's outstanding principal balance, plus interest. *Payments shown based on Introductory Interest Rate. INTRODUCTORY INTEREST RATE IS GOOD FOR FIRST 12 MONTHS. Interest rates may be lowered by one-eighth percent (1/8%) if you have automatic payment set up from your West View Savings Bank checking account or you are a member of our Select Service Club (SSC). Call us for details!! Index used is the prime rate as displayed in the Wall Street Journal. Loans will have a semi-annual adjustment with a lifetime cap of up to 18%. No fixed rate conversion option. Annual maintenance fee is $25.00. Interest rates for Variable and ARM products may increase after loan origination. All loan terms and conditions are subject to underwriting approval. All Loans subject to credit approval. Additional terms and conditions may apply. Interest rates on variable rate and ARM products may increase after loan origination. West View Savings Bank - NMLS #662375 |
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