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| Click "More" to view the current interest rates for our Personal Savings Accounts. | Personal Savings Accounts
Rates last updated on November 12, 2008 | | | Minimum Deposit to Open | Minimum Daily Balance to Earn APY | Interest Rate (Variable) | Annual Percentage Yield | | High Performance Savings | $25 | $100 | 0.75% | 0.75% | | Minor Savings | $25 | $25 | 0.75% | 0.75% |
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Variable interest rates subject to change without notice. Please call 505-424-2888 for current rates. Interest calculated on collected daily balance, compounded daily and credited monthly. $2 monthly fee waived with a $100 or more collected daily balance. Fees could reduce earnings. Federal Regulations limit third party payments to 6 per monthly statement cycle (including Online Banking transfers), of which three may be check, debit card or similar order. Excessive third party payments could result in the Bank reclassifying the account as non-interest bearing. Unlimited withdrawals by ATM or at Century Bank branches are allowed. Excess activity fee is $2 per item.
| | Click "More" to view the current interest rates for our Personal High Performance Money Market Accounts. | Personal High Performance Money Market Account
Rates last updated on November 12, 2008 | | | Minimum Deposit to Open | Minimum Daily Balance to Earn APY | Interest Rate | Annual Percentage Yield | | Tier 1 $1,000 - $9,999 | $5,000 | $1,000 | 0.50% | 0.50% | | Tier 2 $10,000 - $24,999 | $5,000 | $10,000 | 0.75% | 0.75% | | Tier 3 $25,000 - $49,999 | $5,000 | $25,000 | 0.99% | 1.00% | | Tier 4 $50,000 - $99,999 | $5,000 | $50,000 | 1.49% | 1.50% | | Tier 5 $100,000 and over | $5,000 | $100,000 | 1.73% | 1.75% |
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Variable interest rates subject to change without notice. Please call 505-424-2888 for current rates. Interest calculated on collected daily balance, compounded daily and credited monthly. $12 monthly fee waived with a $5,000 or more collected daily balance. Fees could reduce earnings. Federal Regulations limit third party payments to 6 per monthly statement cycle (including Online Banking transfers), of which three may be check, debit card or similar order. Excessive third party payments could result in the Bank reclassifying the account as non-interest bearing. Unlimited withdrawals by ATM or at Century Bank branches are allowed. Excess activity fee is $5 per item. A Century Bank checking account (minimum opening deposit $50) is required to open a High Performance Money Market Account.
| | Click "More" to view the current interest rates for our Certificates of Deposit. | Certificates of Deposit
Rates last updated as of November 12, 2008 | | | Minimum Deposit to Open | Minimum Daily Balance to Earn APY | Interest Rate (Fixed) | Annual Percentage Yield | | 90 Day Classic Certificate | $1,000 | $1,000 | 1.24% | 1.25% | | 182 Day Classic Certificate | $1,000 | $1,000 | 1.74% | 1.75% | | 275 Day Special Certificate | $10,000 | $10,000 | 1.50% | 1.50% | | 1 Year Classic Certificate | $1,000 | $1,000 | 2.50% | 2.50% | | 2 Year Classic Certificate | $1,000 | $1,000 | 2.50% | 2.50% | | 3 Year Classic Certificate | $1,000 | $1,000 | 2.75% | 2.75% | | 4 Year Classic Certificate | $1,000 | $1,000 | 3.00% | 3.00% | | 5 Year Classic Certificate | $1,000 | $1,000 | 3.00% | 3.00% |
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Our normal practice is to compound interest at maturity if the term is one year or less. If the term is greater than one year, interest is compounded annually. Customers may elect to receive an interest check or interest transfer quarterly or more frequently. When the customer elects to receive an interest check or interest transfer, interest is not compounded. Certificates of Deposit automatically renew. Contact us at 505-424-2888 for current rates. A penalty will be imposed for early withdrawal. The grace period for withdrawal without a penalty is 10 calendar days.
| | Click "More" to view the current interest rates for our Retirement Accounts. | Retirement Accounts
Rates last updated as of November 12, 2008 | | | Minimum Deposit to Open Minimum | Daily Balance to Earn APY | Interest Rate | Annual Percentage Yield | | 1 Year Fixed Term Retirement | $1,000 | $1,000 | 2.50% | 2.52% | | 2 Year Fixed Term Retirement | $1,000 | $1,000 | 2.50% | 2.52% | | 3 Year Fixed Term Retirement | $1,000 | $1,000 | 2.75% | 2.78% | | Market Rate IRA (variable) | $100 | $100 | 0.67% | 0.67% |
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Interest is compounded quarterly and credited quarterly. Variable rates may be changed at the Bank's discretion, at any time without limitation or notice. Please call 505-424-2888 for current rates. - Substantial penalty for early withdrawal from Certificate of Deposit accounts.
- Substantial tax penalites may apply for withdrawals from Savings or Certificate of Deposit accounts before reaching the age of 59 1/2.
- Additional deposits into a Certificate of Deposit are not allowed before maturity.
- Market Rate IRA Savings account contributions may be made throughout the year ($50 minimum deposit). Fees could reduce earnings.
- Contributions may be tax deductible. Interest earned is tax deferred
| Business Checking
and Savings
Accounts | |
| Click "More" to view the current interest rates for our Business Checking and Savings Accounts. | Business Checking & Savings Accounts
Rates last updated on November 12, 2008 | | | Minimum Deposit to Open Minimum | Daily Balance to Earn APY | Interest Rate (Variable) | Annual Percentage Yield | | Business Interest Checking | $100 | $500 | 0.05% | 0.05% | | Analysis Checking Earnings Credit | | | 0.67% | N/A | | IOLTA/LIHTF Interest | $100 | $100 | 0.25% | 0.25% | | Business Savings | $100 | $100 | 0.75% | 0.75% |
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- Variable rates may be changed at the Bank's discretion, at any time without limitation or notice. Please call 505-424-2888 for current rates.
- Fees could reduce the earnings on the account.
- Interest is calculated on collected daily balance, compounded daily and credited monthly. $10 monthly fee plus per item charges apply to Business Interest Checking accounts. Fees and per item charges may be offset by earnings credit.
- $2 monthly fee for Business Savings account waived with $100 collected daily balance.
| Business Money
Market Accounts | |
| Click "More" to view the current interest rates for our Business High Performance Money Market Accounts. | Business High Performance Money Market Account
Rates last updated on November 12, 2008 | | | Minimum Deposit to Open | Minimum Daily Balance to Earn APY | Interest Rate | Annual Percentage Yield | | Tier 1 $1,000 - $9,999 | $5,000 | $1,000 | 0.50% | 0.50% | | Tier 2 $10,000 - $24,999 | $5,000 | $10,000 | 0.75% | 0.75% | | Tier 3 $25,000 - $49,999 | $5,000 | $25,000 | 0.99% | 1.00% | | Tier 4 $50,000 - $99,999 | $5,000 | $50,000 | 1.49% | 1.50% | | Tier 5 $100,000 and over | $5,000 | $100,000 | 1.73% | 1.75% |
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- Variable interest rates subject to change without notice. Please call 505-424-2888 for current rates. Interest calculated on collected daily balance, compounded daily and credited monthly. $12 monthly fee waived with a $5,000 or more collected daily balance. Fees could reduce earnings.
- Federal Regulations limit third party payments to 6 per monthly statement cycle (including Online Banking transfers), of which three may be check, debit card or similar order. Excessive third party payments could result in the Bank reclassifying the account as non-interest bearing. Unlimited withdrawals by ATM or at Century Bank branches are allowed. Excess activity fee is $5 per item.
- A Century Bank checking account (minimum opening deposit $50) is required to open a High Performance Money Market Account.
| | Click "More" to view the current interest rates for Mortgage Loans. | Mortgage Loan Rates
Rates last updated on November 19, 2008 | | Program | Rate | Annual Percentage Rate | | 30 Year Fixed | 5.875% | 6.016% | | 15 Year Fixed | 5.750% | 5.986% | | Investment Property Rates | Call 995-1274 | |
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*APR ASSUMPTIONS
Interest rates are subject to change at any time and without notice due to changes in the market. Interest rates may also adjust according to credit and property approval based on secondary market guidelines. The rates shown are based on average interest rates for customers with a minimum 680 Credit Score. Individual rates may vary.
The APR calculation is based on a loan amount of $150,000 for the purchase of a primary residence with 80% Loan-to-Value (down payment requirements can vary based on borrower qualifications), $450 Underwriting fee, $18 flood certification, $300 Title Company closing fees, approximately 15 days prepaid interest, plus points shown for a 40 day lock if applicable.
| | Click "More" to view the current interest rates for Consumer Loans. | Consumer Loan Rates
Rates last updated on November 6, 2008 | | | Term | Interest Rate | Annual Percentage Rate | APR Based on Loan of | LTV | | Automobile - New | 60 months | 5.000% | 5.203% | $15,000 | 100% | | Automobile - Used | 60 months | 5.000% | 5.306% | $10,000 | Varies depending on age of vehicle | | Personal "Unsecured" Loan | 12 - 36 months | 9.500% | 12.015% | $3,000 | n/a | | Motorcycle Loan - New | 54 months | 7.000% | 7.694% | $5,000 | 80% | | Motorcycle Loan - Used | 36 months | 7.125% | 8.263% | $5,000 | 80% | | Travel Trailer - New | 84 months | 7.000% | 7.090% | $25,000 | 80% | | Travel Trailer - Used | 84 months | 7.250% | 7.340% | $25,000 | 80% |
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- Must have automatic loan payment from a Century Bank account to receive this rate. If not, add .25% to interest rate.
- Rates are subject to change without prior notice. For current rates please call 505-424-2888.
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