Rate monitor
Sat., Jan. 29, 2005
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 | 0.35 0.35 | 1.54 1.55 | 2.37 2.40 | 5.793 | NA | NA | 10.134 | 11.138 |
| Banner Bank | 0.85 0.85 | 2.47 2.50 | 2.47 2.50 | 5.477 | 4.74 | 6.74 | 7.162 | 8.919 |
| State Farm Bank | 1.04 1.05 | 2.86 2.90 | 2.86 2.90 | 5.945 | 5.054 | 6.24 | 5.74 | 5.99 |
| US Bank | 0.20 0.20 | 1.98 | 1.98 | 5.661 | 4.571 | NA | NA | NA |
| Washington Mutual | 0.25 0.25 | 2.91 2.95 | 2.91 2.95 | 5.661 | 4.398 | 6.865 | 9.625 | 9.75 |
| Wells Fargo | NA | NA | NA | 5.787 | 5.721 | 8.713 | 7.211 | 7.211 |
| State Average | 0.79 0.79 | 1.35 1.36 | 1.31 1.32 | 5.631 | 4.828 | 6.906 | 6.114 | 6.604 |
Rates effective Friday. *Offered through a subsidiary mortgage company or correspondent. INA: Information not available. NO: Not offered. | Source: Informa Research Services Calbasas, Calif. | |||||||
Local journalism is essential.
Give directly to The Spokesman-Review's Northwest Passages community forums series -- which helps to offset the costs of several reporter and editor positions at the newspaper -- by using the easy options below. Gifts processed in this system are not tax deductible, but are predominately used to help meet the local financial requirements needed to receive national matching-grant funds.
Subscribe now to get breaking news alerts in your email inbox
Get breaking news delivered to your inbox as it happens.
