Contact your nearest Branch
Office for additional rate information.
Rates are subject to change at any time.
APR = Annual Percentage Rate APY
= Annual Percentage Yield
| Deposit Rates |
|
 |
|
| Certificates |
| Account |
Term |
Minimum Balance |
APY |
| 6 Months |
6 Months |
$2500.00 |
0.50% |
| 1 Year |
1 Year |
$1000.00 |
0.75% |
| * 1 Year Youth |
1 Year |
$500.00 |
0.75% |
| *1 Year Youth Education |
1 Year |
$500.00 |
0.75% |
| 1 Year HSA |
1 Year |
$1000.00 |
0.75% |
| Easy Save |
1 Year |
$250.00 |
0.25% |
| 18 Month |
18 Month |
$2500.00 |
0.95% |
| 2 Year |
2 Years |
$1000.00 |
1.20% |
| 3 Year |
3 Years |
$1000.00 |
1.50% |
| 4 Year |
4 Years |
$1000.00 |
1.70% |
| 5 Year |
5 Years |
$1000.00 |
2.10% |
| 5 Year IRA (Traditional/Roth) |
5 Years |
$1000.00 |
2.10% |
*The Youth Certificate is for children 17 and under.
*All IRA share certificates have a minimum balance of 1000.00 and are available in terms 6 months thru 5 years.
|
|
| Savings |
| Minimum Balance |
APY |
| 0 - $9,999 |
.10% |
| $10,000 - $24,999.99 |
.20% |
| $25,000 - $49,999.99 |
.30% |
| $50,000 - $99,999.99 |
.40% |
| $100,000 & UP |
.50% |
| L&N is pleased to announce the offering of a new tiered Savings Account product. |
|
| Money Market |
| Minimum Balance |
APY |
| $0 - $4,999.99 |
0.15% |
| $5,000 - $14,999.99 |
0.20% |
| $15,000 - $24,999.99 |
0.25% |
| $25,000-$49,999.99 |
0.40% |
| $50,000-$99,999.99 |
0.60% |
| $100,000 & UP |
0.75% |
| L&N is pleased to announce the offering of a tiered Money Market product. Rates on the Money Market Accounts may change weekly. Dividends are earned daily and posted monthly. There is no minimum balance requirement.
|
|
| Premier Money Market |
| Minimum Balance |
APY |
| $25,000.00 |
0.75% |
| L&N is pleased to announce the offering of a Premier Money Market product. Rates on the Premier Money Market Account may change weekly. The Premier Money Market has a minimum balance of $25,000 to earn dividends and a minimum balance of $25,000.00 to open.
|
|
| Health Savings Accounts |
| Account |
Amount |
|
APY |
| HSA Checking |
$0 |
$4,999.99 |
0.15% |
| HSA Checking |
$5,000 |
$14,999.99 |
0.20% |
| HSA Checking |
$15,000 |
$24,999.99 |
0.25% |
| HSA Checking |
$25,000 |
$49,999.99 |
0.40% |
| HSA Checking |
$50,000 |
$99,999.99 |
0.60% |
| HSA Checking |
$100,000 |
& UP |
0.75% |
| H.S.A. Savings |
$0 |
$4999.99 |
0.25% |
| H.S.A. Savings |
$5000.00 |
& UP |
0.50% |
|
| Business Services Accounts |
| Account |
Amount |
|
APY |
| Preferred Business Checking |
$0 |
$24,999.99 |
0.15% |
| Preferred Business Checking |
$25,000 |
$99,999.99 |
0.50% |
| Preferred Business Checking |
$100,000 |
& UP |
1.00% |
|
| Loan Rates |
|
|
|
| Auto Loan |
| Model Year |
Month Term |
Fixed APR |
| 2013-2011 |
60 |
1.99% |
| 2013-2011 |
66 |
4.00% |
| 2013-2011 |
72 |
4.25% |
| 2010-2007 |
60 |
3.00% |
| 2006-2003 |
36 |
3.25% |
| 2006-2003 |
48 |
3.50% |
| |
|
|
| |
|
|
| * APR - Annual Percentage Rate. Annual Percentage Rate based on credit qualifications. Rate subject to
change.
|
|
| Deposit Secured Loan |
| Rate |
Term |
Minimum Monthly Payment |
| 3.00% |
10 Year Maximum |
$25.00 |
| Signature Loan |
| Term |
Fixed APR |
| 12 Month |
12.00% - 18.00% |
| 24 Month |
12.00% - 18.00% |
| 36 Month |
12.00% - 18.00% |
| Mortgage Rates |
|
|
|
| Adjustable Rate Mortgages (ARMS) |
| Term |
Rate |
APR * |
| 1 Year Arm |
3.000% |
4.740% |
| 3 Year Arm |
3.125% |
4.666% |
| 3 Year Arm** |
5.375% |
5.592% |
| 5 Year Arm |
3.250% |
4.509% |
| |
|
|
| |
|
|
| Rates are based on individual credit scores. APR disclosed is for "A" credit and may not be applicable to all.
*APR is based on a loan amount of $50,000.00*
** Minimum loan amount of $20,000.00, maximum of $417,000.00.
** Minimum loan term is 15 years, maximum loan term is 30 years
* This APR is subject to change based on the mortgage plan selected.
* 1,3,and 5 Year ARMS have an annual cap of 2.00%, with a 6% lifetime cap.
** 3 Year ARMS have 2.00% cap every 3 years,with a 6% lifetime cap.
* Maximum Purchase Transaction - 95% Loan to Value. PMI is required on loans over 80% Loan to Value.
* Maximum Cash-Out Refinance - 85% Loan to Value.
* Adjustable Rate Loans are assumable under certain conditions.
*The 1,3, and 5 year ARMs are based on the 1 yr LIBOR index which can be located in the Wall Street Journal.
**The 3 year arm is based on the 3 yr treasury yield. |
|
| Fixed Rate Mortgages (FRMS) |
| Term |
Rate |
APR * |
| 10 Year Fixed |
3.125% |
3.382% |
| 15 Year Fixed |
3.250% |
3.426% |
| 20 Year Fixed |
3.750% |
4.077% |
| 30 Year Fixed |
3.875% |
4.073% |
| 40 Year Fixed |
4.25% |
4.335% |
| Rates are based on individual credit scores. APR disclosed is for "A" credit and may not be applicable to all.
*APR is based on a loan amount of $50,000.00*
** Maximum Purchase Transaction - 95% Loan to Value. Private Mortgage Insurance. (PMI) is required on loans over 80% Loan to Value.
** Maximum Cash-Out Refinance - 85% Loan to Value.
** Maximum loan amount is $417,000.00.
* This APR is subject to change based on the mortgage plan selected.
* Fixed rate loans are fully amortized and the Principle and Interest payment will remain the same during the life of the loan;escrowing for property taxes and/or homeowners insurance, may cause an increase or decrease in your monthly payment.
* Fixed rate loans are not assumable.
|
|
| Fixed Rate Second Mortgages |
| Term |
Rate |
APR * |
| Up to 60 Months up to 80% |
4.500% |
4.500% |
| Up to 180 Months up to 70% |
4.750% |
4.750% |
| Up to 180 Months over 70% and up to 90% |
5.500% |
5.500% |
| * Maximum loan amount of $150,000.00
* All fixed rate second mortgages are fully amortized. The Principle and Interest payment will never change throughout the life of the loan.
|
|
| First Time Home Buyer (FTHB) |
| Term |
Rate |
APR * |
| 10 Year Fixed |
4.125% |
4.228% |
| 15 Year Fixed |
4.250% |
4.431% |
| 20 Year Fixed |
4.750% |
5.013% |
| 30 Year Fixed |
4.875% |
5.085% |
| |
|
|
| 1 Year Arm |
4.000% |
5.294% |
| 3 Year Arm |
4.125% |
5.225% |
| **3 Year Arm |
6.375% |
6.605% |
| 5 Year Arm |
4.250% |
5.181% |
| |
|
|
| |
|
|
| Rates are based on individual credit scores. APR disclosed is for "A" credit and may not be applicable to all.
*APR is based on a loan amount of $50,000.00*
* Minimum loan amount of $30,000.00 maximum of $175,000.00.
* Maximum Purchase Transaction - 95% Loan to Value. PMI is not required.
* Fixed rate loans are fully amortized and the Principle and Interest payment will remain the same during the life of the loan; escrowing for property taxes and homeowners insurance, may increase or decrease your monthly payments.
* This APR is subject to change based on the mortgage plan selected.
* FTHB loans are not assumable.
* FTHB ARM loans have a minimum term of 15 years.
* 1,3,and 5 Year ARMs have an annual cap of 2.00%, with a 6% lifetime cap.
** 3 Year ARMS have a 2.00% cap every 3 years,with a 6% lifetime cap.
|
|
| Home Equity |
| Term |
Rate |
APR * |
| Adjustable-Rate HELOC |
A Credit Score |
|
| 90% LTV max for qualified borrowers |
4.00% |
4.00% |
| Adjustable-Rate HELOC |
B Credit Score |
|
| 90% LTV max for qualified borrowers |
5.00% |
5.00% |
| |
|
|
| Adjustable-Rate HELOC |
C Credit Score |
|
| 80% LTV MAX |
7.00% |
7.00% |
| |
|
|
| |
|
|
| Adjustable-Rate HELOC |
D Credit Score |
|
| 70% LTV MAX |
7.50% |
7.50% |
| |
|
|
| |
|
|
| |
|
|
| Fixed-Rate Mini HELOC |
A Credit Score |
|
| 90% LTV max for qualified borrowers |
5.00% |
5.00% |
| Fixed-Rate Mini HELOC |
B Credit Score |
|
| 90% LTV max for qualified borrowres |
5.25% |
5.25% |
| |
|
|
| Fixed-Rate Mini HELOC |
C Credit Score |
|
| 80% LTV MAX |
7.50% |
7.50% |
| |
|
|
| |
|
|
| Fixed-Rate Mini HELOC |
D Credit Score |
|
| 70% LTV MAX |
8.00% |
8.00% |
| |
|
|
| |
|
|
| |
|
|
| Fixed-Rate Standard HELOC |
A Credit Score |
|
| 90% LTV max for qualified borrowers |
5.25% |
5.25% |
| Fixed-Rate Standard HELOC |
B Credit Score |
|
| 90% LTV max for qualified borrowers |
5.50% |
5.50% |
| |
|
|
| |
|
|
| Fixed-Rate Standard HELOC |
C Credit Score |
|
| 80% LTV MAX |
8.50% |
8.50% |
| |
|
|
| |
|
|
| |
|
|
| Fixed-Rate Standard HELOC |
D Credit Score |
|
| 70% LTV MAX |
9.00% |
9.00% |
| |
|
|
| |
|
|
| |
|
|
| Fixed-Rate Jumbo HELOC |
A Credit Score |
|
| 90% LTV max for qualified borrowers |
5.75% |
5.75% |
| Fixed-Rate Jumbo HELOC |
B Credit Score |
|
| 90% LTV max for qualified borrowers |
6.25% |
6.25% |
| |
|
|
| |
|
|
| Fixed-Rate Jumbo HELOC |
C Credit Score |
|
| 80% LTV MAX |
10.00% |
10.00% |
| |
|
|
| |
|
|
| |
|
|
| Fixed-Rate Jumbo HELOC |
D Credit Score |
|
| 70% LTV MAX |
10.50% |
10.50% |
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| *NOTE: RATES ARE BASED ON YOUR INDIVIDUAL CREDIT SCORE. *THE MINIMUM RATE ON THE ADJUSTABLE RATE HOME EQUITIES IS 4.00%. *THE MAXIMUM RATE ON THE ADJUSTABLE RATE HOME EQUITIES IS 18.00%. |
|
|
Internet Banking
