Rates
Checking & Savings
Rates effective as of 9-11-19
** APY = Annual Percentage Yield. Reflects the total amount of interest earned based on interest rate and daily compounding for a year. Fees could reduce earnings. Rates are subject to change at any time without notice.
Certificates & IRAs
Rates effective as of 9-11-19
| Term | APY** | Interest Rate | Minimum Deposit |
|---|---|---|---|
| 90 Days | 0.20% | 0.20% | $1,000 |
| 5 Months | 0.20% | 0.20% | $1,000 |
| 6 Months | 0.20% | 0.20% | $1,000 |
| 8 Months | 0.20% | 0.20% | $1,000 |
| $$ 9 Months | 1.85% | 1.83% | $1,000 |
| 11 Months | 0.25% | 0.25% | $1,000 |
| 1 Year | 0.30% | 0.30% | $1,000 |
| $$ 16 Months | 2.10% | 2.08% | $1,000 |
| 18 Months | 0.40% | 0.40% | $1,000 |
| 21 Months | 0.45% | 0.45% | $1,000 |
| 2 Years | 0.55% | 0.55% | $1,000 |
| 30 Months | 0.60% | 0.60% | $1,000 |
| $$ 33 Months | 2.30% | 2.27% | $1,000 |
| 3 Years | 0.80% | 0.80% | $1,000 |
| 4 Years | 0.85% | 0.85% | $1,000 |
| 5 Years | 0.95% | 0.95% | $1,000 |
| 78 Months | 1.00% | 1.00% | $1,000 |
| $$ - GNB Special |
**APY = Annual Percentage Yield. Reflects the total amount of interest earned based on interest rate and daily compounding for a year. Penalty for early withdrawal.
$500 minimum deposit for IRA Certificates.
Rates are subject to change at any time without notice.
Commercial/Ag
| Type | Interest Rate | Notes |
|---|---|---|
| Single payment notes/ fixed and variable rate Line of Credit | ||
| Daily Variable | 5.750% | Prime + 0.500% 4.375% Floor Rate |
| GNB Base Rate $5,000 + | ||
| 1 - 2 Year Fixed | 6.000% | |
| 25- 36 Month Fixed | 6.250% | |
| 37 - 48 Month Fixed | 6.500% | |
| GNB Base Rate $1,000 - $4,999 | ||
| 1 Year Fixed | 8.500% | |
| 2 Year Fixed | 8.750% | |
| Equipment/Farm Implement Loans | ||
| 48 Months | 5.750% | |
| 60 - 72 Months | 6.500% |
Vehicle/Personal
Rates effective as of 9-10-19
APR and payment amount calculated at maximum terms listed, loan amount of $10,000 with a $215 loan processing fee, first payment in 30 days. Rates may be higher based on credit scores or vehicle mileage.
| Year | Interest Rate | APR | Pmt/Mo | Term |
|---|---|---|---|---|
| SPECIAL - New Only | 4.69% | 5.326 | $141.49 | 85 Months |
| SPECIAL - Any Model Year | 3.99% | 5.070 | $230.61 | 48 Months or Less |
| SPECIAL - Any Model Year | 4.15% | 4.859 | $154.87 | 49 - 75 Months |
| SPECIAL - RVs, Travel Trailers, Boats | 5.09% | 5.807 | $159.31 | 75 Months Maximum |
| (Based on credit score of 760 & higher) | ||||
| Auto, Small Trucks, Boats, Motor Homes, Travel Trailers | ||||
| Any Model Year | 4.99% | 5.708 | 158.84 | 75 Months Maximum |
| RV's, Travel Trailers, Boats | 7.49% | 8.085 | 141.80 | 96 Months Maximum |
| Motorcycles, Snowmobiles, ATV's, Jet Skis | ||||
| 2014 & Newer | 5.69% | 6.414 | 162.19 | 75 Months Maximum |
| 2014 & Newer | 5.19% | 6.281 | 236.14 | 48 Months Maximum |
| 2013 & Older | 6.09% | 6.983 | 197.93 | 60 Months Maximum |
| The above rates are based on purchase only. | ||||
| Home Improvement | 6.59% | 7.487 | $200.32 | 60 Months Maximum |
| All Other Loans | 8.39% | 9.304 | $209.06 | 60 Months Maximum |
APR and payment amount calculated at maximum terms listed, loan amount of $10,000 with a $215 loan processing fee, first payment in 30 days.
Rates may be higher based on credit scores or vehicle mileage
Mortgage Loans
Rates effective as of 9-16-19
| Term* | Rate | APR | Points |
|---|---|---|---|
| 15 Year Fixed Rate | 3.500% | 3.591% | 0.000% |
| 30 Year Fixed Rate | 3.750% | 3.801% | 0.000% |
| 3 Year Adjustable Rate | 3.875% | 4.502% | 0.000% |
| 5 Year Adjustable Rate | 4.000% | 4.351% | 0.000% |
| 7/1 Year Adjustable Rate | 4.875% | 4.994% | 0.000% |
*15 Year Fixed - 179 payments of $857.86 at an interest rate of 3.500%. 1 payment of $857.69 at an interest rate of 3.500%.
*30 Year Fixed - 359 payments of $555.74 at an interest rate of 3.750%. 1 payment of $555.25 at an interest rate of 3.750%.
*3 Year Adjustable Rate - 36 payments of $880.13 at an interest rate of 3.875%. 144 payments of $923.58 at an interest rate 4.750%. Rate & payment may change every 3 years based on an index plus 3.25% margin.
*5 Year Adjustable Rate - 60 Payments of $887.63 at an interest rate of 4.000%. 119 payments of $913.90 at an interest rate of 4.625%. 1 payment of $913.52 at a interest rate of 4.625%. Rate & payment may change every 5 years based on an index plus 3.25% margin.
*7/1 Year Adjustable Rate - 84 payments of $635.05 at an interest rate of 4.875%. 275 payments of $642.54 at an interest rate of 5.000%. 1 payment of $641.49 at an interest rate of 5.000%. After the first 7 years, rate & payment may change every year based on an index plus 3.25% margin
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $120,000 and an estimated property value of $150,000. The property is located in Ohio and is within Darke County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 45 days and the assumed credit score is 720.
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Rate and margins may be higher based on credit scores or LTV.