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Rates as of 4/16/2024
Personal
*Annual Percentage Yield is accurate as of the date mentioned above. These rates may change at any time without prior notice. Fees could reduce earnings on the account. Certificate of Deposits earn interest at a fixed rate for the term and withdrawals made before maturity may result in an interest penalty. Member FDIC.
Health Savings Account Rates
Your interest rate and annual percentage yield may change
Determination of Rate- At our discretion, we may change the interest rate on your account.
Frequency of Rate Changes- We may change the interest rate on your account at any time.
Limitations on Rate Changes - There are no maximum or minimum interest rate limits for this account.
Compounding and Crediting - Interest will be compounded monthly and will be credited to your account monthly. If you close your account before interest is credited, you will receive the accrued interest.
Minimum Balance Requirements - No minimum balance requirements apply to this account.
Balance Computation Method. We use daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual on Non-Cash Deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
Transaction Limitations - No transaction limitations apply to this account
Health Savings Account - Health Savings Accounts (HSAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your HSA Agreement or your tax advisor for additional information.
Fees and Charges - Please refer to the separate Fee Schedule provided to you with this disclosure for information about fees and charges associated with this account. A Fee Schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request
Business Deposit Rates
*Annual Percentage Yield is accurate as of the date mentioned above. These rates may change at any time without prior notice. Fees could reduce earnings on the account. Member FDIC.
Mortgage Rates
Maximum loan amount of $766,550. The Bank reserves the right to change rates, terms, and conditions without notice. Subject to credit approval. Loans must be secured with a 1-4 family, owner-occupied dwelling. Proof of hazard insurance is required at closing.
(1) Per SSB policy. Loan-to-Value (LTV) is based on the lesser of the purchase price or appraised value.
(2) Fixed Rate.
(3) Example payment for a $200,000.00 loan amortized at the stated simple interest rate over the maximum term with a minimum credit score of 720, and 80% LTV. Payment does not include taxes and insurance and the actual payment obligation will be greater.
(4) Annual Percentage Rate (APR) for a $200,000.00 loan amortized at the stated simple interest rate over the maximum term. APR includes prepaid finance charges of $1,942.87. PMI (Private Mortgage Insurance) may be required for loans with LTV's in excess of 80%. Other customary closing costs apply.
The above rates are for illustrative purposes only. They are based on the Annual Percentage Rate (APR) indicated for principal and simple interest with a term of 180, 240, and 360-months. We offer a variety of mortgage plans.
Is Refinancing Right For You? Generally, it’s a good idea for you to consider refinancing whenever the interest rate for mortgages is more than two percentage points below your present mortgage. For more details, speak to one of our mortgage loan experts 330-878-5555.