DEPOSIT AND LOAN RATES

We offer a variety of solutions with competitive rates for both your deposit and lending needs.

Rates are effective as of January 9, 2017.

Unsecured Personal Loan

Example shown based on minimum loan amount

AMOUNT TERM INTEREST RATE ANNUAL PERCENTAGE RATE PAYMENT / $1,000.00
$2,500 24 Months 12.25% 14.181% $48.36
New Auto & Recreation Vehicle

Based on a $10,000 Loan (2017 or previously untitled 2016)

TERM INTEREST RATE ANNUAL PERCENTAGE RATE PAYMENT / $1,000.00
36 Months 4.50% 4.825% $29.93
48 Months 4.75% 4.9993% $23.06
60 Months 5.00% 5.2029% $18.99
72 Months 5.25% 5.4219% $16.33
USED AUTO & RECREATIONAL VEHICLE

Based on a $10,000 Loan

TERM INTEREST RATE ANNUAL PERCENTAGE RATE PAYMENT / $1,000.00
36 Months 5.50% 5.827% $30.40
48 Months 5.75% 6.0011% $23.53
60 Months 6.00% 6.2049% $19.46

Credit subject to approval. A loan fee may be required. Rates and terms are subject to change without notice. Automatic payment option available. Consult a tax advisor regarding deductibility of interest.

CERTIFICATE OF DEPOSIT / INDIVIDUAL RETIREMENT ACCOUNT / COVERDELL SAVINGS ACCOUNT

*The advertised Annual Percentage Yield for the 9 Month Tax-Deferred CD is accurate as of May 23, 2017. Offer is subject to withdrawal at any time. $500 is required to obtain 1.10% APY. $500 new money is required to open this CD. 90 day penalty for early withdrawal. If the depositor chooses to receive a monthly or quarterly interest payment transferred to another West Milton State Bank account, interest will be reported in the year that it’s received. In this case, the tax deferred feature will not apply. Fees can reduce earnings. Upon maturity, the CD will convert to the terms and conditions of a regular 12 Month CD in effect at the time of maturity. Other terms and conditions can apply.

Annual Percentage Yields (APY) are effective as of December 9, 2016.
Balance Range: $500 to $99,999.99
(Minimum opening deposits: $100 for a 1-Year IRA • $25 for a CESA)

TERM INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
182 Days .25% .25%
1 Year .35% .35%
2 Years .50% .50%
3 Years 1.00% 1.00%
4 Years 1.35% 1.35%
5 Years 1.65% 1.66%

A penalty may be imposed for early withdrawals on Certificate of Deposit accounts and IRA accounts. Rates are subject to change without notice.

GOOD NEIGHBORS CLUB CHECKING

Annual Percentage Yields (APY) are effective as of January 1, 2015.
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$500.00 – $4,999.99 .10% .10%
$5,000.00 – $49,999.99 .15% .15%
$50,000.00 and Over .20% .20%
MONEY MARKET DEMAND ACCOUNT

Annual Percentage Yields (APY) are effective as of January 1, 2015.
(Minimum to open account is $2,500.00)
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$0.01 – $2,499.99 .05% .05%
$2,500.00 – $24,999.99 .20% .20%
$25,000.00 – $49,999.99 .25% .25%
$50,000.00 – $99,999.99 .30% .30%
$100,000.00 and Over .40% .40%
MARKET SHARE INVESTMENT ACCOUNT

Annual Percentage Yields (APY) are effective as of January 1, 2015.
(Minimum to open account is $25,000.00)
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$0.01 – $2,499.99 .05% .05%
$2,500.00 – $24,999.99 .25% .25%
$25,000.00 – $99,999.99 .35% .35%
$100,000.00 and OVER .45% .45%
STATEMENT SAVINGS

Annual Percentage Yields (APY) are effective as of January 1, 2015.
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$0.01 – $24,999.99 .15% .15%
$25,000.00 and Over .20% .20%
CLUB ACCOUNTS

Annual Percentage Yields (APY) are effective as of September 23, 2015.
To obtain the annual percentage yield disclosed, you must maintain the following balances:

BALANCE INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$0.01 and Over .15% .15%

Please contact us for further information about applicable fees and terms. Fees may reduce the earnings on these accounts. Rate may change after account is opened.

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