Residential Mortgage Rates
The following rates are updated weekly, but subject to change at any time. Indexes and Annual Percentage Rates (APR*) are effective June 5, 2013.
| LOAN TYPE |
RATE |
APR* |
INDEX
CAP |
INDEX |
MARGIN |
PERIODIC/LIFE
CAP |
MONTHLY
PMNT PER
$1,000.00 |
| 10 Yr Fixed - no points |
3.00% |
3.02% |
n/a |
n/a |
n/a |
n/a |
$9.66 |
| 15 Yr Fixed - no points |
3.25% |
3.26% |
n/a |
n/a |
n/a |
n/a |
$7.03 |
| 20 Yr Fixed - no points |
3.875% |
3.88% |
n/a |
n/a |
n/a |
n/a |
$5.99 |
| 25 Yr Fixed - no points |
4.125% |
4.13% |
n/a |
n/a |
n/a |
n/a |
$5.35 |
| 30 Yr Fixed - no points |
4.375% |
4.38% |
n/a |
n/a |
n/a |
n/a |
$4.99 |
*APR is defined as ANNUAL PERCENTAGE RATE.
**Payment based upon initial rate amortized over 30 years.
Payment does not include insurance and taxes and may be greater if the loan is a first lien.
Rates and APR based on loan amounts of up to $100,000.00 and Loan-to-Value (LTV) of up to 80%. 97% financing available. LTV in excess of 80% is subject to Private Mortgage Insurance (PMI). Flood Determination Fee of $15.00 required. A Tax Service Fee is applicable on all originated loans. Appraisal fee of $300.00 (estimated) is required on all mortgage loans. Appraisal fee may be higher on multi-family dwellings. 65% financing on Land Loans with rate equal to 1% over 10 or 15 year fixed rate or 1% over any adjustable rate mortgage. Jumbo rates apply on all loans in excess of $417,500.00.
Add 0.25% to rate for Jumbo Mortgage and 0.25% for a non-proimary residence (second home).
Title Insurance is required on all fixed rate, commercial and investment loans. No Application Fee. No Credit Report Fee. All Mortgages Serviced by Adams Community Bank.
Rates Subject to change without notice
For further information or to request an application, please contact our Loan Dept. at (413) 743-0001 or one of our nine Mortgage Loan Originators.
Personal Loan Rates
PERSONAL
LOAN TYPE |
TERM
|
RATE
|
APR*
|
MAXIMUM
%
FINANCED
|
PMT
PER
$1,000
|
| New Auto |
36 Months
|
3.99%***
|
3.99%***
|
100%
|
$29.50
|
| New Auto |
48 Months
|
3.99%***
|
3.99%***
|
100%
|
$22.55
|
| New Auto |
60 Months
|
3.99%***
|
3.99%***
|
100%
|
$18.39
|
| New Auto |
72 Months**
|
4.99%***
|
4.99%***
|
90%
|
$16.07
|
| 2009-2012 Used Auto |
60 Months
|
3.99%***
|
3.99%***
|
95%
|
$18.39
|
| 2005-2008 Used Auto |
48 Months
|
5.99%***
|
5.99%***
|
95%
|
$23.44
|
| 2004 + Used Auto |
36 Months
|
8.99%***
|
8.99%***
|
95%
|
$31.81
|
| |
|
|
|
|
|
| Boats, Motorcycles (dirt) |
|
|
|
|
|
| Snowmobiles, RVs, ATVs |
|
|
|
|
|
| 2009-2012 Used or New |
60 months
|
8.00%
|
8.00%
|
95%
|
$20.29
|
| 2005-2008 Used |
48 months
|
9.00%
|
9.00%
|
90%
|
$24.89
|
| 2004 and older |
36 months
|
10.00%
|
10.00%
|
95%
|
$32.28
|
| |
|
|
|
|
|
| Home Equity Loan^ |
60 Months
|
4.50%
|
4.50%
|
$100,000
|
$18.62
|
| |
120 Months
|
4.50%
|
4.50%
|
$100,000
|
$10.33
|
| |
180 Months
|
4.50%
|
4.50%
|
$100,000
|
$7.62
|
| |
|
|
|
|
|
| Unsecured |
36 Months
|
14.00%
|
14.00%
|
$5,000.00
|
$34.18
|
| Home Equity Line of Credit^ |
Credit Line
|
3.75%
|
3.75%
|
80%
|
N/A
|
| Overdraft Protection |
Credit Line
|
15.00%
|
15.00%
|
$2,000.00
|
N/A
|
| COLLATERAL LOANS |
|
| Passbooks and Certificates of Deposit |
2.50% over the base rate of the collateral, rounding up to the nearest eighth, subject to a minimum of 3.00%. Payments of quarterly interest. |
| Fixed Rate (P&I Collateral Loans) |
Equal to the 5 Year New Auto Loan Rate. |
| Stock Loans - written on a demand basis |
Up to 3.00% over Wall Street Journal Prime Rate. Financing up to 70% of collateral value. |
EFFECTIVE June 5, 2013
Maximum APR On Home Equity Line of Credit (HELOC) is 18%. Rate and APR on HELOC may change after consummation, and may increase as often as monthly. Rate is tied to the Wall Street Journal Prime Rate + 0.50%.
Early termination fee may be applied if line is closed within first three years. HELOC has a 10 year draw period followed by a 10 year repayment period.
*APR is defined as ANNUAL PERCENTAGE RATE
**Minimum financing of $20,000.00
***50bp reduction from advertised rate for auto payment from Adams Community Bank checking acct and 50bp reduction from advertised rate for direct deposit to Adams Community Bank checking. Auto payment/Direct deposit must remain in effect for the entire term of the loan for the discount to apply for the entire term of the loan.
^Payment does not include insurance and taxes and may be greater if the loan is a first lien.
^Recording Fees - $175.00
Synergy Checking
With our Synergy Checking, you will earn high interest and receive domestic ATM fee refunds while having immediate access to your money. Our Synergy Checking currently pays 2.25% APY*. To qualify for Synergy Checking rates and receive reimbursements on your domestic ATM surcharges, you must perform the following during the monthly “qualification cycle:”
- Have at least 10 debit card purchases* post and settle
- Have at least 1 automatic payment (ACH), 1 direct deposit or 1 Online Bill Payment post and settle
- Be enrolled and receive eStatements via Online Banking.
| Synergy Checking Account (1) |
Minimum to Obtain APY |
Interest Rate |
APY* |
| On balances up to $15,000.00 |
$0.01 |
2.23% |
2.25% |
| (if you qualify)(2) |
| On portion of balance exceeding $15,000.00 |
$15,000.01 |
0.50% |
0.76% to 2.25%(1) |
| (if you qualify)(2) |
| Base Rate on full balance |
$0.01 |
0.05% |
0.05% |
| (if you do not qualify)(2) |
| Effective June 15, 2013 |
| The rate on Checking Accounts are variable and may change after the account is opened. |
*APY is defined as the Annual Percentage Yield.
(1)(2) Annual Percentage Yield (APY) is effective as of June 15, 2013 and may change after that date. Available for personal accounts only. For balances up to $15,000, the APY is 2.25%. The minimum balance to earn this APY is $.01. For the portion of your balance above $15,000, the interest rate is 0.50% with an APY varying from 2.25% for a balance of $15,000.01 to .76% assuming a maximum deposit of $100,000. The minimum balance to earn the APY in this range is $15,000.01. The minimum balance to open the account is $25. If you do not meet the three requirements delineated above during a “qualification cycle,” your account will still be free; however, you will earn the base APY of .05% for the statement period and you will not receive domestic ATM fee refunds for the statement period. The minimum balance to earn this APY is $0.01. Fees could reduce earnings on the account.
Enrollment in online banking and/or in electronic statements is required to meet certain qualifiers. Please contact us for details on how to enroll.
Please note that transactions MUST post to and settle your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post to and settle an account.
ATM fee reimbursements -
If you meet the requirements associated with a qualification cycle period for Synergy Checking, we will reimburse you for domestic ATM fees. ATM fee reimbursement will be credited to your account on the last day of your statement cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable.
*Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account.
“Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.
Restrictions – Only one account per tax owner, with a limit of two accounts per household.
Synergy Checking Statement “Qualification Cycles”
|
Qualification Cycle†
(Must Meet all Requirements during this timeframe) |
| Month |
Statement Cut Date |
Begin Date |
End Date |
| July 2013 |
7/15/2013 |
6/14/2013 |
7/12/2013 |
| August 2013 |
8/15/2013 |
7/15/2013 |
8/14/2013 |
| September 2013 |
9/13/2013 |
8/15/2013 |
9/12/2013 |
| October 2013 |
10/15/2013 |
9/13/2013 |
10/14/2013 |
| November 2013 |
11/15/2013 |
10/15/2013 |
11/14/2013 |
| December 2013 |
12/13/2013 |
11/15/2013 |
12/12/2013 |
| January 2014 |
1/15/2014 |
12/13/2013 |
1/14/2014 |
| February 2014 |
2/14/2014 |
1/15/2014 |
2/13/2014 |
| March 2014 |
3/14/2014 |
2/14/2014 |
3/13/2014 |
| April 2014 |
4/15/2014 |
3/14/2014 |
4/14/2014 |
| May 2014 |
5/15/2014 |
4/15/2014 |
5/14/2014 |
| June 2014 |
6/13/2014 |
5/15/2014 |
6/12/2014 |
†"Qualification Cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. "Qualification Cycle" is the time in which a customer must have 10 or more debit purchases post to and settle their account and one direct deposit, one automatic payment or one Online Bill Pay post to and settle their account and be enrolled and receive eStatements via Online Banking. This must occur on or after the Begin Date and finish no later than the End Date.
Savings Account Rates
| SAVINGS ACCOUNT TYPE |
APY*
|
MINIMUM DEPOSIT TO OPEN
|
MINIMUM BALANCE TO OBTAIN APY
|
| Statement Savings |
0.20%
|
$10.00
|
$10.00
|
| Passbook Savings |
0.20%
|
$10.00
|
$10.00
|
| Christmas Club |
0.20%
|
$10.00
|
$10.00
|
| Optimum Personal Account** |
0.20%
|
$0.01
|
$10 to $74,999.99
|
| Optimum Personal Account** |
0.45%
|
$0.01
|
$75,000 to $149,999.99
|
| Optimum Personal Account** |
0.60%
|
$0.01
|
$150,000 and Over
|
EFFECTIVE June 5, 2013
*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. Fees may reduce earnings on an account. A substantial penalty may be imposed for early withdrawal of term accounts. Certificates of Deposit accounts and Individual Retirement Accounts earn a fixed rate of interest until maturity. The rate on all other accounts is variable and may change after the account is opened.
** A monthly fee of $40.00 will be imposed every statement cycle if the balance in the account falls below $25,000.00 any day of the cycle.
The Federal Deposit Insurance Corporation (FDIC) federally insures deposits of up to $250,000. The Depositors Insurance Fund (DIF) insures deposit amounts in excess of FDIC limits.
Individual Retirement Account Rates
| Account Type |
Annual Percentage Yield* |
Minimum Deposit to Open |
Minimum Balance to Obtain APY |
| 3 Months |
0.15% |
$2,500.00 |
$10.00 |
| 6 Months |
0.25% |
$2,500.00 |
$10.00 |
| 9 Months |
0.30% |
$2,500.00 |
$10.00 |
| 12 Months |
0.40% |
$1,000.00 |
$10.00 |
| 18 Months |
0.55% |
$1,000.00 |
$10.00 |
| 24 Months |
0.70% |
$1,000.00 |
$10.00 |
| 30 Months |
0.85% |
$1,000.00 |
$10.00 |
| 36 Months |
0.90% |
$1,000.00 |
$10.00 |
| 48 Months |
1.05% |
$1,000.00 |
$10.00 |
| 60 Months |
1.20% |
$1,000.00 |
$10.00 |
EFFECTIVE June 5, 2013
*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. Fees may reduce earnings on an account. A substantial penalty may be imposed for early withdrawal of term accounts. Certificates of Deposit accounts and Individual Retirement Accounts earn a fixed rate of interest until maturity. The rate on all other accounts is variable and may change after the account is opened.
The Federal Deposit Insurance Corporation (FDIC) federally insures deposits of up to $250,000. The Depositors Insurance Fund (DIF) insures deposit amounts in excess of FDIC limits.
Certificate of Deposit Rates
| Account Type |
Annual Percentage Yield* |
Minimum Deposit to Open |
Minimum Balance to Obtain APY |
| 3 Months |
0.15% |
$2,500.00 |
$10.00 |
| 6 Months |
0.25% |
$2,500.00 |
$10.00 |
| 9 Months |
0.30% |
$2,500.00 |
$10.00 |
| 12 Months |
0.40% |
$1,000.00 |
$10.00 |
| 18 Months |
0.55% |
$1,000.00 |
$10.00 |
| 24 Months |
0.70% |
$1,000.00 |
$10.00 |
| 30 Months |
0.85% |
$1,000.00 |
$10.00 |
| 36 Months |
0.90% |
$1,000.00 |
$10.00 |
| 48 Months |
1.05% |
$1,000.00 |
$10.00 |
| 60 Months |
1.20% |
$1,000.00 |
$10.00 |
EFFECTIVE June 5, 2013
*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. Fees may reduce earnings on an account. A substantial penalty may be imposed for early withdrawal of term accounts. Certificates of Deposit accounts and Individual Retirement Accounts earn a fixed rate of interest until maturity. The rate on all other accounts is variable and may change after the account is opened.
The Federal Deposit Insurance Corporation (FDIC) federally insures deposits of up to $250,000. The Depositors Insurance Fund (DIF) insures deposit amounts in excess of FDIC limits.
Financial Calculators
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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS
By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Accounts) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all nontinterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.
For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit www.fdic.gov/deposit/deposits/unlimited/html.
However, your deposits at Adams Community Bank remain insured in full under The Depositors Insurance Fund.
ADAMS COMMUNITY BANK
ADAMSCOMMUNITY.COM
(413) 743-0001
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COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
However, your deposits at Adams Community Bank remain insured in full under The Depositors Insurance Fund.
ADAMS COMMUNITY BANK
ADAMSCOMMUNITY.COM
(413) 743-0001 Business Lending Team
| William Wheelock |
SVP, Credit Administration |
Email Bill |
(413) 749-1125 |
| Pamela Duval |
VP, Underwriting & Analysis |
Email Pam |
(413) 749-1135 |
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| Maureen Baran |
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Email Maureen * |
(413) 749-1171 |
| Pamela Duval |
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Email Pam * |
(413) 749-1135 |
| Laurie Pelczynski |
Business Development Officer |
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