National Grand Bank

Rates

Account Interest Rates APY*
Savings/NOW Account
Savings (Statement & Passbook)** 0.100% 0.100%
NOW** 0.049% 0.050%
 Minimum balance of $10 to open account
*APY = Annual Percentage Yield 
**You must maintain a minimum daily balance of $1 to obtain the disclosed APY.
Rates are subject to change without notice; fees and withdrawals could reduce earnings on accounts. Fees are subject to change. This is a variable interest rate account and the interest rate may change at any time. The minimum balance tiers to earn the APY stated above reflect the full tier balance ranges for each appropriate tier.. 
Money Market Deposit Account
$1 to $999 0.049% 0.050%
$1,000 to $24,999 0.100% 0.100%
$25,000 to $49,999 0.150% 0.150%
$50,000 to $99,999 0.200% 0.200%
$100,000 to $249,999 0.300% 0.300%
$250,000 & above 0.349% 0.350%
** Rates are subject to change without notice; fees and withdrawals could reduce earnings on accounts. Fees are subject to change. This is a variable interest rate account and the interest rate may change at any time. The minimum balance tiers to earn the APY stated above reflect the full tier balance ranges for each appropriate tier.
Certificate of Deposit*
3 Months 0.149% 0.150%
6 Months 0.199% 0.200%
1 Year 0.299% 0.300%
18 Months 0.449% 0.450%
2 Years 0.549% 0.550%
30 Months 0.598% 0.600%
3 Years 0.797% 0.800%
4 Years 0.995% 1.000%
5 Years 1.193% 1.200%
Individual Retirement Accounts**
Money Market See Money Market Rates
1 Year 0.299% 0.300%
18 Months 0.449% 0.450%
2 Years 0.549% 0.550%
30 Months 0.599% 0.600%
3 Years 0.798% 0.800%
4 Years 0.997% 1.000%
5 Years 1.196% 1.200%

* Rates are subject to change without notice; fees and withdrawals could reduce earnings on accounts. Fees are subject to change. This is a variable interest rate account and the interest rate may change at any time. The minimum balance tiers to earn the APY stated above reflect the full tier balance ranges for each appropriate tier. Minimum to open and earn APY is $1000.

**Rates are subject to change without notice; fees and withdrawals could reduce earnings on accounts. Fees are subject to change. This is a variable interest rate account and the interest rate may change at any time. Interest is compounded semi-annually. The minimum balance tiers to earn the APY stated above reflect the full tier balance ranges for each appropriate tier. A penalty may be imposed for early withdrawal from an individual retirement account. 
Minimum to open and earn APY is $500.
Term Rate Points APR* Payment/$1,000
Conforming Program (up to $417,000)
15 year fixed Call us for a quote
30 year fixed Call us for a quote
1 year adjustable** Call us for a quote
3/1 year adjustable** Call us for a quote
5/1 year adjustable** Call us for a quote
7/1 year adjustable** Call us for a quote
Jumbo Loans (over $417,000)
15 year fixed
Call
us
for a
quote
30 year fixed Call us for a quote
1 year adjustable** Call us for a quote
3/1 year adjustable** Call us for a quote
5/1 year adjustable** Call us for a quote
Home Equity Line of Credit ($100,000 limit) -- Currently Prime
* Annual Percentage Rate
** Annual Percentage Rate (APR) may increase after consummation
All rates subject to change without notice
Some restrictions may apply
All mortgage loan products assume 20% down
Loan Rates
Loan Rate APR* Rate with Auto Deduct from NGB Acct. APR* with Auto Deduct from NGB Acct Term (max)
Installment Loans

New Car (current & prior model year 20% down

4.50% 4.50% 4.00% 4.00% 36 months
4.50% 4.50% 4.00% 4.00% 48 months
4.50% 4.50% 4.00% 4.00% 60 months
Used Car (25% down) 5.00% 5.00% 4.50% 4.50% 36 months
5.00% 5.00% 4.50% 4.50% 48 months
5.00% 5.00% 4.50% 4.50% 60 months
User Car (5+ Years 25% down) 7.50% 7.49% 7.00% 6.99% 36 months
Home Improvements ($7,500 max) 10.00% 9.99% N/A N/A 60 months
Personal Loans Unsecured 12.50% 12-36 months
13.50% 48-60 months
Time Loans
Unsecured
Under $10,000 9.50% 9.50%
Over $10,000 8.00% 8.00%
Secured
Under $10,000 8.50% 8.50%
Over $10,000 7.50% 7.50%
*Annual Percentage Rate (APR)
Annual Percentage Rate (APR) may increase after consummation
All rates subject to change without notice
Some restrictions may apply
Marine Financing** New Boat New Boat Used Boat Used Boat Term
Up to $10,000 7.50% 7.48% 8.50% 8.49% up to 60 months
$10,000 to $24,999 7.50% 7.50% 8.50% 8.50% up to 10 years
$25,000 and above 7.50% 7.50% 8.50% 8.50% up to 15 years
*Annual Percentage Rate
**Not eligible for Auto deduct