Personal Interest Rates
Listed below are the interest rates as of Saturday, February 4, 2012.
Click the categories below to expand for more details.
Checking and Savings
|
Account Type |
Minimum Balance to Open Account and Obtain APY* |
Interest Rate |
APY* |
|
Rewards Checking |
|
|
|
|
Gold Club Checking |
$100 |
0.10% |
0.10% |
|
Statement Savings |
$200 |
0.25% |
0.25% |
|
Beginning Savings |
No Minimum Balance |
0.25% |
0.25% |
*APY=Annual Percentage Yield. Rates subject to change. Fees may reduce earnings of the account daily balance.
Money Market
Individual Retirement Accounts (IRAs)
Health Savings
Certificates of Deposit (CDs)
Mortgage Rates
Based on owner-occupied $150,000 loan with 20% down payment. Normal underwriting guidelines apply. Borrower pays all closing costs.
|
Product |
Interest Rate |
APR* |
|
30 Year Fixed Rate |
3.875% |
3.948% |
|
20 Year Fixed Rate |
3.750% |
3.851% |
|
15 Year Fixed Rate |
3.125% |
3.216% |
*APR=Annual Percentage Rate subject to change. Actual interest rates and APR's may vary based on your personal credit history and will be provided upon receipt of a completed loan application approved by Coulee Bank.
Home Construction Rates
Land Purchase Rates
Home Improvement / Home Equity Rates
|
Product |
Interest Rate |
APR* |
|
Home Equity Loan <80% Loan-to-Value Ratio (LTV) |
As low as 4.750% |
4.933% |
|
Home Equity Loan 80-90% LTV |
As low as 5.000% |
5.183% |
*APR=Annual Percentage Rate subject to change. Actual interest rates and APR's may vary based on your personal credit history and will be provided upon receipt of a completed loan application approved by Coulee Bank.
Home Equity Line of Credit Rates
|
Product |
Interest Rate |
APR* |
|
Home Equity Line of Credit (HELOC) <80% |
5.00% variable |
5.00% variable |
|
HELOC <90% LTV |
5.00% variable |
5.00% variable |
*APR=Annual Percentage Rate subject to change. Actual interest rates and APR's may vary based on your personal credit history and will be provided upon receipt of a completed loan application approved by Coulee Bank.
Vehicle Rates
|
Product |
Interest Rate |
APR* |
|
Vehicle New |
As low as 4.630% |
4.648% |
|
Vehicle 2008-2010 |
As low as 5.250% |
5.278% |
|
Vehicle 2005-2007 |
As low as 5.630% |
5.658% |
|
Vehicle 2002-2004 |
As low as 6.000% |
6.028% |
|
All Other Vehicles |
As low as 6.250% |
6.277% |
*APR=Annual Percentage Rate subject to change. Actual interest rates and APR'’s may vary based on your personal credit history and will be provided upon receipt of a completed loan application approved by Coulee Bank.
Credit Card Rates
|
Plan Options |
Retail Purchase |
Cash Advance |
|
Introductory Rate (6 months) |
7.90% |
18.90% |
|
Annual Percentage Rate |
14.90% |
18.90% |
|
Grace Period for Repayment of the balances for purchases |
25 days |
None |
|
Minimum Monthly Payment |
3% of the average daily balance or $10.00 |
3% of the average daily balance or $10.00 |
|
Method for Computing |
Average daily balance |
Actual daily balance |
|
Annual Fee |
None |
None |
|
Late Payment Fee |
$25.00 |
$25.00 |
|
Cash Advance Fee |
N/A |
$5.00 |
|
Return Check Fee |
$25.00 |
$25.00 |
Actual interest rates and APR's may vary based on your personal credit history and will be provided upon receipt of a completed loan application approved by Coulee Bank.
Personal Unsecured Rates
|
Product |
Interest Rate |
APR* |
|
Personal Unsecured Loan |
As low as 8.50% |
9.18% |
|
Overdraft Line of Credit |
18% |
18% |
*APR=Annual Percentage Rate subject to change. Actual interest rates and APR's may vary, are based on your personal credit history and will be provided upon receipt of a completed loan application approved by Coulee Bank.
