Spokane7
41°June 25, 2005 in Business
Rate monitor
Deposits All yields are annual. Top number is rate, bottom number is yield. MMA: Money market account (personal) — rates for $2,500 balance. CD: One-year certificate of deposit — rates for deposits of $5,000. IRA: Individual retirement account — one-year rates for deposits of $2,000. | Loans All loans rates are given as “annual percentage rates” (APR), which take variations in loan fees into consideration. Actual rates may vary, depending on loan fees, other costs paid when the loan is initiated and deviations from the following assumptions. All SPRs are based on 80-percent financing (LTV), or 20-percent down, and … | |||||||
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Deposits All yields are annual. Top number is rate, bottom number is yield. MMA: Money market account (personal) — rates for $2,500 balance. CD: One-year certificate of deposit — rates for deposits of $5,000. IRA: Individual retirement account — one-year rates for deposits of $2,000. | Loans All loans rates are given as “annual percentage rates” (APR), which take variations in loan fees into consideration. Actual rates may vary, depending on loan fees, other costs paid when the loan is initiated and deviations from the following assumptions. All SPRs are based on 80-percent financing (LTV), or 20-percent down, and include loan fees, if any. Mortgage: 30-year fixed and one-year adjustable rates for $100,000. Home improvement: 10-year, fixed-rate for $20,000, secured by equity. New auto loan: 60-month, fixed-rate for $10,000. Used auto loan: 48-month, fixed-rate for $7,000, on 1- to 3-year-old model. | |||||||
| DEPOSITS | LOANS | |||||||
| INSTITUTION | MMA | CD | IRAs | Fixed Mtg. | Adj. Mtg. | Home Imp. | New Auto | Used Auto |
| Bank of America | 0.55 0.55 | 1.54 1.55 | 2.37 2.40 | 5.552 | NA | 7.15 | 10.485 | 11.489 |
| Banner Bank | 0.85 0.85 | 3.10 3.15 | 3.10 3.15 | 5.431 | 5.017 | 7.31 | 7.413 | 9.17 |
| State Farm Bank | 1.49 1.50 | 3.20 3.25 | 3.20 3.25 | 5.945 | 5.346 | 6.99 | 5.24 | 5.49 |
| US Bank | 0.20 0.20 | 1.98 | 1.98 | 5.408 | 4.617 | NA | NA | NA |
| Washington Mutual | 0.25 0.25 | 3.20 3.25 | 3.20 3.25 | 5.557 | 4.617 | 7.155 | 9.625 | 9.75 |
| Wells Fargo | NA | NA | NA | 5.661 | 5.719 | 8.713 | 9.455 | 9.455 |
| State Average | 0.79 0.79 | 1.35 1.36 | 1.31 1.32 | 5.637 | 5.003 | 7.194 | 6.486 | 6.907 |
Rates effective Friday. *Offered through a subsidiary mortgage company or correspondent. INA: Information not available. NO: Not offered. | Source: Informa Research Services Calbasas, Calif. | |||||||
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