Rates
Effective Date
DEPOSIT RATE CHART
This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.
Account/Product
Name |
Minimum
Opening
Deposit |
Minimum Balance
to Obtain Annual
Percentage Yield |
Interest
Rate |
Annual
Percentage
Yield |
| FunTimers b |
$0.01c |
Daily Balances of:
Up to $2,500.00
$2,500.01-9,999.99
$10,000.00-24,999.99
$25,000.00-$49,999.99
$50,000.00 and up |
0.36%
0.46%
0.56%
0.64%
0.71% |
0.36%
0.46%
0.56%
0.64%
0.71% |
| Income Plus b |
$1,000.00
$2,499.99c |
Daily Balances of:
$1,000-2,499.99
$2,500.01-9,999.99
$10,000.00-24,999.99
$25,000.00-$49,999.99
$50,000.00 and up |
0.36%
0.46%
0.56%
0.64%
0.71% |
0.36%
0.46%
0.56%
0.64%
0.71% |
Executive
Platinum Plus
Account b |
$100.00 |
Daily Balances of:
Up to $2,500.00
$2,500.01-9,999.99
$10,000.00-24,999.99
$25,000.00-$49,999.99
$50,000.00 and up |
0.36%
0.46%
0.56%
0.64%
0.71% |
0.36%
0.46%
0.56%
0.64%
0.71% |
| Corporate Direct b |
$250.00c |
Daily Balances of:
$250.00-999.99
$1,000-2,499.99
$2,500.01-9,999.99
$10,000.00-24,999.99
$25,000.00-$49,999.99
$50,000.00 and up |
0.36%
0.46%
0.56%
0.66%
0.71%
0.86% |
0.36%
0.46%
0.56%
0.66%
0.71%
0.86% |
Money Market
Account b |
$2,500.00
$2,500.00c |
Daily Balances of:
Up to $9,999.99
$10,000.00-24,999.99
$25,000.00-49,999.99
$50,000.00-99,999.99
$100,000.00 and up |
0.51%
0.51%
0.74%
0.99%
1.24% |
0.51%
0.51%
0.74%
0.99%
1.25% |
High Yield
Money Market b |
$2,500.00
$2,500.00c |
Daily Balances of:
Up to $9,999.99
$10,000.00-24,999.99
$25,000.00-49,999.99
$50,000.00-99,999.99
$100,000.00 and up |
0.61%
1.21%
1.41%
1.58%
1.74% |
0.61%
1.22%
1.42%
1.59%
1.75% |
| FlexSaver b |
$100.00
$25.00 |
Daily Balances of:
$25.00-9,999.99
$10,000.00-24,999.99
$25,000.00-$49,999.99
$50,000.00 and up |
0.36%
0.61%
0.81%
0.91% |
0.36%
0.61%
0.81%
0.91% |
| Platinum Plus b |
$100.00 |
$0.01 |
1.95% |
1.97% |
b) The interest rate and annual percentage yield may change after account opening.
c) Daily balance; the amount of principal in the account each day.
CERTIFICATE OF DEPOSIT RATE CHART
This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.
Account/Product
Name |
Minimum
Opening
Deposit |
Minimum Balance
to Obtain Annual
Percentage Yield |
Interest
Rate |
Annual
Percentage
Yield |
| 7 - 31 Day CD a |
$20,000.00 |
$20,000.00c |
1.30% |
1.30% |
| 32 - 90 Day CD a |
$2,500.00 |
$2,500.00c |
1.30% |
1.31% |
| 91 Day CD a |
$2,500.00 |
$2,500.00c |
1.46% |
1.47% |
| 182 Day CD a |
$2,500.00 |
$2,500.00c |
1.56% |
1.57% |
|
12 Month CD a |
$2,500.00 |
$2,500.00c |
1.59% |
1.60% |
| 18 Month CD a |
$2,500.00 |
$2,500.00c |
1.89% |
1.90% |
| 24 Month CD a |
$2,500.00 |
$2,500.00c |
2.19% |
2.21% |
| 30 Month CD a |
$2,500.00 |
$2,500.00c |
2.49% |
2.51% |
| 36 Month CD a |
$2,500.00 |
$2,500.00c |
2.69% |
2.72% |
| 48 Month CD a |
$2,500.00 |
$2,500.00c |
3.14% |
3.18% |
| 60 Month CD a |
$2,500.00 |
$2,500.00c |
3.39% |
3.43% |
| 36 Month Step a,b |
$2,500.00 |
$2,500.00c |
First 12 months 1.31%
Next 12 months 2.50%
Thereafter 3.60% |
2.49% Composite |
| 45 Month Step a,b |
$2,500.00 |
$2,500.00c |
First 15 months 1.75%
Next 15 months 2.95%
Thereafter 4.00% |
2.93% Composite |
a) A penalty will be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily balance; the amount of principal in the account each day.
PERSONAL AUTOMOBILE RATES
AUTOMOBILE LOANS
|
2002
60
Mths.
7.00
7.50
8.00
8.50 |
2001
60 Mths.
7.00
7.50
8.00
8.50 |
2000
60 Mths.
7.25
7.75
8.25
8.75 |
1999
48 Mths.
8.00
8.50
9.00
9.50 |
1998
48 Mths.
8.50
9.00
9.50
10.00 |
1997
36 Mths.
9.00
9.50
10.00
10.50 |
1996
36 Mths.
9.50
10.00
10.50
11.00 |
1995
24 Mths.
10.00
10.50
11.00
11.50 |
1994
24 Mths.
11.00
11.50
12.00
12.50 |
- Loan amount not to exceed 110% of invoice and is not to exceed 100% of NADA trade-in value.
- The tier is based upon the rating score provided by the credit-reporting agency. For more information concerning how to obtain a credit report, E-mail admin@ntouchbank.com. Tier I. = a score of 710+, Tier II. = a score of 675-709, Tier III. = a score of 661-674, Tier IV = a score of 620-660.
- There is a $50.00 loan origination fee on all loans ($15 for VSI Fee and $35.00 Documentation Fee).
- Corporate Direct and Funtimer customers receive a .25% reduction on above rates.
- Premier Checking Account Customers receive a .25% reduction on consumer loans in excess of $5,000 (based upon credit approval).
NEW BOAT LOANS
Maximum Term
144 Months
120 Months
72 Months
60 Months
48 Months
36 Months |
New Boat Rate
10.50%
10.50%
10.25%
9.75%
9.75%
9.75% |
Loan Amounts
over $25,000
over $15,000
$12,000 -14,999
$10,000 -11,999
$6,000 - 9,999
$6,000 |
Down Payment
10% Down
10% Down
10% Down
10% Down
10% Down
10% Down |
USED BOAT LOANS
Maximum Term
72 Months
60 Months
48 Months
36 Months |
Used Boat Rate
11.00%
11.00%
11.25%
11.75% |
Age
under 2 yrs old
2 - 3 yrs old
3 - 4 yrs old
5 - 7 yrs old |
Down Payment
20% Down
20% Down
20% Down
20% Down |
- Loan amount not to exceed 110% of invoice and is not to exceed 110% if NADA trade-in value.
- There is a $50.00 loan origination fee on all loans ($15 for VSI Fee and $35.00 Documentation Fee).
- Corporate Direct and Funtimer customers receive a .25% reduction on above rates.
- Premier Checking Account Customers receive a .25% reduction on consumer loans in excess of $5,000 (based upon credit approval).
MOTORCYCLE
| Tier |
2002-2001 |
2000-1999 |
1998-1996 |
| I |
10.00% |
10.75% |
11.75% |
| II |
10.50% |
11.25% |
12.25% |
| III |
11.00% |
11.75% |
12.75% |
| IV |
11.50% |
12.25% |
13.25% |
| Terms |
48 Mos |
36 Mos |
32 Mos |
- There is a $50.00 loan origination fee on all loans ($15 for VSI Fee and $35.00 Documentation Fee).
- Corporate Direct and Funtimer customers receive a .25% reduction on above rates.
- Premier Checking Account Customers receive a .25% reduction on consumer loans in excess of $5,000 (based upon credit approval).
HARLEY DAVIDSON MOTORCYCLE
| Tier |
2002-2001 |
2000-1998 |
1997-1995 |
1994-1993 |
| I |
9.50% |
10.75% |
11.75% |
12.50% |
| II |
10.75% |
11.50% |
12.00% |
13.00% |
| III |
11.75% |
12.25% |
13.00% |
13.50% |
| IV |
12.50% |
13.00% |
13.50% |
14.00% |
| Terms |
60 Mos |
48 Mos |
36 Mos |
36 Mos |
MISCELLANEOUS FEES AND CHARGES 7/31/00
| Check Printing Fee |
Prices May Vary |
| Replacement ATM Cards |
$5.00 per card |
| Foreign ATM Charge |
$1.00 per transaction |
| Cash Advance Visa/MasterCard |
$ 2.00 |
| Caution Fee |
$20.00 |
| Stop Payment |
$20.00 |
| Telephone Transfers |
$ 2.00 |
| Research |
$20.00 per hour
$10.00 minimum |
| Special Statement -Text Page |
$ 2.00 - up to 4 pages
$ 5.00 -5 or more pages |
| Special Statement - Image Page |
$ 1.00 per page |
| NSF or Overdraft |
$20.00 no maximum
$ 5.00 if NSF for 5 or more
consecutive days |
| Account Reconciliation |
$20.00 per hour
$10.00 minimum |
| Levies |
$25.00 |
| Garnishments |
$25.00 |
| Photocopies |
$ .25 each |
| Fax Copies |
$ 2.00 first page
$1.00 each additional page |
| Signature Guarantee |
$ 5.00 per document |
| Night Deposit Bag (lock) |
$25.00 |
| Night Deposit Bag (zipper) |
$10.00 (no charge for first bag) |
| Collection Item |
$5.00 per check or coupon |
| Check Cashing |
$5.00 non customer |
| Change Orders |
$15.00 non customer |
| Coin Counting |
$5.00 non customer |
| Notary Fee |
$2.00 |
| License Plate Sticker |
$2.00 where applicable |
| Bank Money Orders |
$ 3.00 customer
$ 5.00 non customer |
| Cashier's Checks |
$5.00 |
| Certified Checks |
$5.00 |
| Traveler's Checks |
$1.00 per $100.00, single signature,
$2.00 per $100, Double Signature |
| Incoming Wire Transfers |
$15.00 non customer |
| Outgoing Wire Transfers |
$15.00 Bank customer |
| Outgoing Wire Transfer |
$30.00 non customer |
| International Transfers |
$45.00 Bank customer |
| Online Bill Payment |
$5.25 per month, unlimited |
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