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   Interest Rates

The Product Rates - Effective: February 2, 2012

Please note: These rates are for informational purposes and are subject to change.



Certificate of Deposit (CD)

Checking Accounts

Savings and Club Accounts

Individual Retirement Accounts (IRA) Certificate of Deposit

Mortgage Loans

Home Equity Installment Loans

Home Equity Installment Loans-Non-owner Occupied

Home Equity Line of Credit

Unsecured Line of Credit

Auto Loans

Personal Unsecured Loans






Certificates of Deposit


Term Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield
7-31 Day $2,500.00 0.20% 0.20%
91 Day $2,500.00 0.25% 0.25%
6 Months $500.00 0.45% 0.45%
7 Months $500.00 0.45% 0.45%
9 Months $500.00 0.45% 0.45%
1 Year $500.00 0.55% 0.55%
12 Month Variable Rate $1,000.00 - $9,999.99 0.25% 0.25%
12 Month Variable Rate $10,000.00 - $24,999.99 0.40% 0.40%
12 Month Variable Rate $25,000.00 & Up 1.00% 1.00%
18 Months $500.00 0.60% 0.60%
2 Years $500.00 0.70% 0.70%
25 Months $500.00 0.75% 0.75%
30 Months $500.00 0.80% 0.80%
3 Years $500.00 1.10% 1.10%
4 Years $500.00 1.25% 1.25%
5 Years $500.00 1.85% 1.85%

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Checking Accounts


Account Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield
Basic Checking $25.00 No Interest No Interest
Money Market  Less Than $2,500.00 *0.05% *0.05%
Money Market $2,500.00 - $9,999.99 *0.15% *0.15%
Money Market $10,000.00 - $24,999.99 *0.30% *0.30%
Money Market $25,000.00 - $49,999.99 *0.40% *0.40%
Money Market $50,000.00 and Above *0.60% *0.60%
NOW Account $300.00 *0.05% *0.05%
Health Savings Less than $250.00 *0.40% *0.40%
Health Savings $250.00 - $1,999.99 *0.50 *0.50
Health Savings $2000.00 - $4,999.99 *0.50 *0.50
Health Savings $5,000.00 $24,999.99 *0.90 *0.90
Health Savings $25,000.00 and Above *0.90 *0.90

*Interest Rate & Annual Percentage Yield are variable, and may change at any time.


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Savings and Club Accounts


Account Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield
Passbook Savings $20.00 *0.25% *0.25%
Kidz Klub Savings $20.00 *0.25% *0.25%
Christmas Club $20.00 0.25% 0.25%
Vacation Club  $20.00 0.25% 0.25%

*Interest Rate & Annual Percentage Yield are variable, and may change at any time.


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Fixed Individual Retirement Account (IRA) Certificate of Deposit


Term Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield
1 Year $500.00 0.55% 0.55%
18 Months $500.00 0.60% 0.60%
2 Years $500.00 0.70% 0.70%
3 Years $500.00 1.10% 1.10%
4 Years $500.00 1.25% 1.25%
5 Years $500.00 1.85% 1.85%

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Floating Individual Retirement Account (IRA) Certificate of Deposit


Term Minimum Balance to Obtain APY Interest Rate Annual Percentage Yield
18 Months $100.00 1.00% 1.00%

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Mortgage Loan Rates


Term Interest Rate Annual Percentage Rate (1) Points Monthly Payment per $1000
30 Years Fixed 5.125% 5.156% (1)(2) 0 $5.45(3)
25 Years Fixed 4.875% 4.910% (1)(2) 0 $5.77(3)
20 Years Fixed 4.375% 4.416% (1)(2) 0 $6.26(3)
15 Years Fixed 3.750% 3.801% (1)(2) 0 $7.27(3)
10 Years Fixed 3.500% 3.573%(1)(2) 0 9.89(3)

***Special Rules and Restrictions Apply***


***Private Mortgage Insurance required if the loan-to-value exceeds 80%***


***Adjustable Rate Mortgages Available***


(1) APR based on $75,000 loan amount


(2) With 20% Down ( NOTE: Lower Down Payment Loan Programs Available)


(3) Stated payment does not include insurance and taxes.


Call one of our Mortgage Loan Officers for additional rates and programs.
Altoona: 814-944-0843
Hollidaysburg: 814-695-7551



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Home Equity Installment Loan


Term in Months Annual Percentage Rate Monthly Payments per $1,000
36 Months *3.50% $29.30
60 Months *3.74% $18.30
120 Months *4.50% $10.36
180 Months *4.99% $7.90
240 Months **5.99% $7.16

Loans up to 85% of appraised value.

*Rate based  on monthly payment being automatically drafted from any checking or savings account.

**Rate based on Bi-weekly payment being automatically drafted from any checking or savings account.


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Home Equity Installment Loan-Non-owner Occupied


Term in Months Annual Percentage Rate Monthly Payments per $1,000
36 Months *4.74% $29.86
60 Months *5.74% $19.21
120 Months *6.25% $11.23
180 Months *6.50% $8.71

*Rate based  on monthly payment being automatically drafted from any checking or savings account.

Loans up to 60% of appraised value.

 

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Home Equity Line of Credit


Introductory Annual Percentage Rate*/** Current Fully Indexed Annual Percentage Rate* Amount
3.24% APR 3.75% Up to 80% of appraised value

*Annual Percentage Rate is variable, and may change at any time.


**Introductory Rate applicable for a period of six months from disbursement date.


Fees to open the plan generally total $0.00 to $450.00.


You must carry insurance on the property that secures this plan.


$15.00 Inactivity fee is due when account has not had any principal draws for 12 months.


Maximum Annual Percentage Rate that can apply during this plan is 15.00%.



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Unsecured Line of Credit


Current Fully Indexed Annual Percentage Rate*
10.00%

*Annual Percentage Rate is variable, and may change at any time.


This account has an overdraft protection feature when used with your Investment Savings Bank checking account.


No Floor. No Ceiling.



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New Auto Loans 2012


Term in Months Annual Percentage Rate Monthly Payments per $1,000
36 Months *4.74% $29.86
48 Months *5.24% $23.14
60 Months *5.74% $19.22
72 Months *6.24% $16.69

*Rate based  on monthly payment being automatically drafted from any checking or savings account.

***72 month term available for amounts of $15,000.00 and over.***


***10% down payment required.***



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Used Auto Loans 11, 10 and 09


Term in Months Annual Percentage Rate Monthly Payments per $1,000
36 Months *4.74% $29.86
48 Months *5.24% $23.14
60 Months *5.74% $19.22

*Rate based  on monthly payment being automatically drafted from any checking or savings account.

***10% to 30% down payment required.***



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Used Auto Loans 08 and 07


Term in Months Annual Percentage Rate Monthly Payments per $1,000
60 Months *6.74% $19.68

*Rate based  on monthly payment being automatically drafted from any checking or savings account.

***10% to 30% down payment required.***



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Used Auto Loans 06, 05 and 04


Term in Months Annual Percentage Rate Monthly Payments per $1,000
36 Months *8.24% $31.46
48 Months *9.24% $25.01
60 Months *9.74% $21.13

*Rate based  on monthly payment being automatically drafted from any checking or savings account.


***10% to 30% down payment required.***



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Used Auto Loans 03 and Older


Term in Months Annual Percentage Rate Monthly Payments per $1,000
36 Months *9.74% $32.16
48 Months *10.74% $25.73
60 Months *11.50% $22.00

*Rate based  on monthly payment being automatically drafted from any checking or savings account.


***10% to 30% down payment required.***



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Personal Unsecured Loans


Term in Months Annual Percentage Rate Monthly Payments per $1,000
36 Months *10.74% $32.63
48 Months *11.74% $26.22
60 Months *12.24% $22.38

*Rate based  on monthly payment being automatically drafted from any checking or savings account.



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***Rates and points are subject to change without notice***



***Boat and Motorcycle Loans - same as Personal - Unsecured rate***



***RV's - same as Auto Loan Rates***