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These rates are current as of unless otherwise stated:
Certificate of Deposit
CD Special
90-179 Days 2.25
% APY
180-269 Days 2.40
% APY
1 Year CD 4.00% APY
Call for other rates
The Community National Bank offers CD terms from 7 days to 4 Years. For current rates and terms, please call 1-877-746-1520. Rates and terms are subject change without notice.
Minimum balance to open and obtain Annual Percentage Yield is $1,000.00. The APY assumes interest and principle remain on account until maturity. The APY is not valid with any other offers. This is a limited time promotional CD. Interest rates and APY's shown are effective beginning 10/24/08 and are available at all of The Community National Bank's Branches until 10/31/08. Other yields available, depending on maturity, terms, and amount of initial deposit. Rates are subject to change without notice. Substantial penalty for early withdrawal. Member FDIC, each depositor insured up to $250,000.00.
CNB's Interest-Bearing Accounts
| Term |
Rate |
APY |
| Savings Acct |
.40% |
.40% |
| Money Market Dep. Acct, Personal |
.75% |
.75% |
| Money Market Dep. Acct, Business |
.75% |
.75% |
| Personal NOW Acct |
.50% |
.50% |
| Super NOW Acct |
.75% |
.75% |
| Business NOW Acct |
.50% |
.50% |
| Community First Account (Minimum Deposit $10.00) |
.50% |
.50% |
Deposits are fully insured up to $250,000 by the Federal Deposit Insurance Corporation, an agency of the Federal Government. Rates subject to change without notice. Services fees, if any, can reduce earnings.
The Ultimate Savings Account
Are you tired of your money being held hostage in long-term CD's? CNB has the solution to your dilemma. Now you can earn higher rates for your large deposits without being penalized for early withdrawal. The Ultimate Account rewards you with higher yielding rates than a typical savings account and gives you the comfort of easy accessibility. Open an Ultimate Account and watch your money grow!
| Savings Balance |
Rate |
APY |
| $100,000 - Over |
1.33% |
1.35% |
| $50,000 - $99,999.99 |
1.24% |
1.25% |
| $25,000 - $49,999.99 |
0.99% |
1.00% |
| $10,000 - $24,999.99 |
0.95% |
0.95% |
| $5,000 - $9,999.99 |
0.85% |
0.85% |
| $.01 - $4999.99.99 |
0.60% |
0.60% |
Deposits are fully insured up to $250,000 by the Federal Deposit Insurance Corporation, an agency of the Federal Government. Rates subject to change without notice. Services fees, if any, can reduce earnings. |
Community Preferred Checking
Higher rate interest-bearing checking account for customers that maintain higher checking balances. Customer must have recurring direct deposit to this account or active Internet Banking bill payment account. Active internet bill payment account is defined as at least one payment from your account each account cycle by internet bill pay.
| Savings Balance |
Rate |
APY |
| $25,000 - Over |
1.98% |
2.00% |
| $10,000 - $24,999.99 |
1.49% |
1.50% |
| $.01 - $9,999.99 |
0.75% |
0.75% |
Deposits are fully insured up to $250,000 by the Federal Deposit Insurance Corporation, an agency of the Federal Government. Rates subject to change without notice. Services fees, if any, can reduce earnings. |
From here down: Loan Rates effective
Installment Loan Rates
Installment Loan Rates |
Maximum
Terms |
Rate(%) |
APR* |
*Annual Percentage Rate [APR] is based on a $10,000 loan amount using the current term on each program ssumning best credit standards |
| New Auto, Trucks, Vans (Current Model Year) |
|
|
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| Balance of purchase on dealer's contract not |
66 |
7.40% |
8.23% |
| to exceed value of car. |
60 |
6.90% |
7.89% |
|
48 |
6.40% |
7.45% |
|
36 |
5.90% |
7.24% |
Motor Homes - add 12 months to Maximum term and 3% to applicable rate
Boats, RVs and Campers - add 12 months to Maximum term and 4% to applicable rate
Motorcycles - add 3% to applicable rate
PROCESSING FEE ON ALL INSTALLMENT LOANS - $175.00 -- COUPON BOOK - $15.00 -- VSI INSURANCE - $30.00 -- G.A.P. INSURANCE OPTIONAL - $195.00 |
| Rates listed are base rates - actual rate determined based on applicants credit qualifications. Other rates, terms and Add on's may apply. Call to get a quote today.
Call 1-877-746-1520 for other model years, terms, and rates |
Residential Real Estate Loan Rates
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- Fixed-rate/adjustable rate mortgages
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Residential mortgage loan rates are based on a credit-graded scale. For rates, fees, or a FREE mortgage analysis, please call one of our qualified Loan Officers at (937) 746-1520 X4023 in Franklin, (937) 746-1520 X4020 in Springboro, (937) 746-1520 X4021 in Carlisle, or (937) 746-1520 X4024 in Centerville. Or Toll free 1-877-746-1520.
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Home Equity Line of Credit
CNB offers a wide variety of flexible home equity products. Call today to see if you qualify for a low introductory rate!
- FREE home equity analysis
- FREE pre-qualifications
- No application fees
HOME EQUITY SPECIAL GOING ON NOW CALL FOR SPECIAL OFFERS
Home Equity loan rates are based on a credit-graded scale. For rates, fees, or a FREE mortgage analysis, please call one of our qualified Loan Officers at (937) 746-1520 X4023 in Franklin, (937) 746-1520 X4020 in Springboro, (937) 746-1520 X4021 in Carlisle, or (937) 746-1520 X4024 in Centerville. Or Toll free 1-877-746-1520. |
Commercial Loan Rates
New York Prime Rate - 4.50%
PROCESSING FEE FOR COMMERCIAL LOANS AND RENEWALS - 1% of Loan Amount-Max. $700.00
UNDERWRITING FEES
Loan Amount up to $100K - $300.00
Loan Amount up to $249K - $500.00
Loan Amount up to $249K - $1,000.00
|
| Unsecured |
Prime + 2.00% to 25% maximum |
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| Secured |
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Accounts Receivable (65%, 90 days), Inventory, Equipment, etc. |
Prime + 1.50% to 25% maximum |
|
CNB Savings Account |
4.75% |
|
CNB Certificates of Deposit (loan cannot extend beyond maturity of CD) |
CD yield + 2.00% |
|
Assignment of a Savings Account from another Financial Institution |
Prime |
|
Assignment of a Certificate of Deposit from another Financial Institution |
Prime |
|
U.S. Government Securities and Bonds |
Prime |
|
Listed Stocks ( 50% of Value) |
Prime + 1.00% |
| Commercial Mortgages (Floor Rate 6.50%) |
|
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25-40% down |
up to 25 years |
variable with Prime |
0-2 pts |
|
25-40% down |
25 year 5/1 ARM |
Prime + 1.50% |
0-2 pts |
|
25-40% down |
25 year 10/1 ARM |
Prime + 3.00% |
0-2 pts |
(Variable with Prime may have no prepayment penalty or floor rate, all others have up to a 3% prepayment penalty on outstanding balance if refinanced outside of CNB) |
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Other Installment Loans
|
Maximum Terms |
Rate |
APR* |
| *(Annual Percentage Rate [APR] is based on a $10,000 loan amount using the current term on each program) |
| CNB Savings Account |
60 |
3.25% over interest yield |
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| CNB Certificates of Deposit (Maturity of loans not to exceed maturity date of CD's) |
2.5% over interest yield |
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| Listed Stock (50% of listed value) |
60 |
WSJP + 2% Variable |
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