Loan rates
Effective Dates: July 23, 2008 through July 29, 2008
- Interest on COD's is compounded at maturity on terms less than 12 months.
- Interest on COD's is compounded quarterly on terms of 12 months or greater.
- Minimum deposit is $1,000.00.
- Substantial penalty for early withdrawal.
- The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity.
- A withdrawal of interest will reduce earnings.
- Call Iowa-Nebraska State Bank for effective rates after the quoted date.
|
| Certificates of Deposit |
| Term |
Interest Rate |
APY |
JUMBO
($50,000 AND ABOVE)
INTEREST RATE |
APY |
| 91 Day |
1.80% |
1.81% |
2.10% |
2.12% |
| 182 Day |
2.30% |
2.31% |
2.40% |
2.41% |
| 12 MO |
2.45% |
2.47% |
2.50% |
2.52% |
| 18 MO |
2.65% |
2.68% |
2.75% |
2.78% |
| 24 MO |
2.80% |
2.83% |
2.90% |
2.93% |
| 36 MO |
3.30% |
3.34% |
3.45% |
3.49% |
| 48 MO |
3.50% |
3.55% |
3.65% |
3.70% |
| 60 MO |
3.70% |
3.75% |
3.85% |
3.91% |
|
- $1,000.00 minimum required to open an Ultimate Money Market Account.
- Rates may change and fees may reduce earnings.
- Interest is compounded and credited monthly.
- Daily Access to your money by check, draft, debit card, or automatic transfer.
- Allows 6 withdrawals, three by check, per statement cycle.
- Annual Percentage Yield (APY) effective as of 07/23/2008.
- Call Iowa-Nebraska State Bank for details.
|
| Ultimate Money Market Account |
| Balance Range |
Interest Rate |
APY |
| $0 - $0999.99 |
0.00% |
0.00% |
| $1,000 - $9,999.99 |
0.60% |
0.60% |
| $10,000 - $24,9999.99 |
0.85% |
0.85% |
| $25,000 - $49,999.99 |
1.14% |
1.15% |
| $50,000 - $99,999.99 |
1.50% |
1.51% |
| $100,000.00 - $249,999.99 |
1.85% |
1.87% |
| $250,000.00 and Over |
2.20% |
2.22% |
|
- Long term fixed rate mortgages are available.
- Loans are subject to qualifications and rates may vary according to loan terms.
- Call our loan officers at Iowa-Nebraska State Bank for additional details, including current rates on commercial and ag loans.
|
Vehicle Loan Rates
as of July 23, 2008 |
| Loan Description |
Annual Percentage Rate |
| New 2007 & 2008 |
6.78% - 11.50% |
| Used 2006 & 2007 |
7.08% - 11.50% |
| Used 2005 & 2004 |
7.48% - 11.75% |
| Used 2003 & 2002 |
7.68% - 12.00% |
| Used 2001 & Older |
7.88% - 12.25% |
Above rates are for direct debit to DDA or Savings Loans! Add .25% for non-debit loans.
Above rates are also for Boats & Motorhomes - Add 1% to rates for Motorcycles.
|
