A $20,000 10-Year Fixed Rate
Home Equity Loan for
$185.59* Per Month!
We want to provide you some certainty in an economically uncertain time. Consolidate your bills or refinance your current loan at a locked-in rate! Our Bankers will help you find the right loan for your needs, budget and situation.
*Payment of $185.59 based on a $20,000 Home Equity Balloon Loan with 15-year amortization with an annual percentage rate of 7.59% effective 7/21/08. Customer to pay $185.59 per month for 119 months with $9,441.96 due the 120th month. The $9,441.96 balloon payment may be reviewed for refinance at rates in effect at time of maturity. Maximum combined loan to value amount is 80% or below. Rate assumes a relationship with Town & Country Bank which includes a deposit account with one of the following: Direct Deposit, Auto Pay, ATM/Check Card, or Online Banking. Loan subject to approval. This offer not available for investment properties; property must be owner occupied. Limited time offer. Call a Relationship Banker for additional details.
CD Specials
3.03% APY* for 9 months
*Annual Percentage Rate effective August 4, 2008. $5,000 minimum deposit. Penalty for early withdrawal. Limited time offer.
3.65% APY* for 29 months
*Annual Percentage Rate effective August 18, 2008. $5,000 minimum deposit. Penalty for early withdrawal. Limited time offer.
A Home Equity Line of Credit
3.99% APR*
for the first 6 months. Then the rate will be Prime Rate minus 0.01%
*Annual Percentage Rate. The APR assumes you have a Town & Country Bank checking account with Auto Pay. The APR also assumes a minimum line amount of $10,000 with maximum loan to value of 90%. Different APRs apply to line amounts less than $10,000 and loan to values over 90%. No application fee. $99 closing fee. $199 early termination fee if closed within 24 months. $20 annual fee. Minimum monthly payments are interest only. EXAMPLE: Current Prime Rate = 5.00% as of 6/25/08. After 6 months the APR may be 4.99% (not to fall below 4.50%). Limited time offer. Other restrictions may apply. Offer not available for investment properties. Call a Relationship Banker today.
WE ALSO HAVE FIXED RATE LOAN SPECIALS TOO!
Supreme Checking – A low-balance, high-interest checking account with Direct Deposit!
3.00% APY* for the first 6 months, then interest rate will vary based on the 1-Year Treasury Constant Maturity Rate**.
- 3.00% APY* for the first 6 months and then adjusting to a variable interest rate based on the 1-Year Treasury Constant Maturity Rate less 2.50%. For example, the interest rate would be 1.88% when based on the 1-Year Treasury Constant Maturity Rate of 4.38% published January 3, 2006 less 2.50%.
- Free Telephone Banking; 800-505-5124
- Free Online Banking and Online Bill Pay;
- Unlimited ATM withdrawals at our branches
- Free Basic Checks
- Free Visa® Check Card
- Unlimited check writing
- $100 minimum to open
- Bounce Protection or Savings Link
* Annual Percentage Yield. **After the first 6 months, interest will vary based on the weekly average yield of the 1-Year Treasury Constant Maturity Rate, as made available by the Federal Reserve Board. There is a $100 minimum balance requirement to receive the APY. On the first business day of each month, the Bank will calculate the new interest rate by subtracting 2.50 percentage points from the Current Index - with a guarantee of at least 0.50% APY. To qualify for this account, you must sign-up for Direct Deposit at account opening. Fees could reduce earnings on the account. No monthly maintenance fee is assessed when a minimum daily balance of $100 is maintained in the account during the statement period. If the balance falls below $100, then a $10 service charge is assessed.
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