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Rates

 
Rates effective as of 9-11-19
 
 
TermAPY**Interest RateMinimum To OpenMinimum Balance To Obtain APY
Investment Checking0.05%0.05%$750$750
Prestige Checking0.05%0.05%$100$750
More Interest1.50%1.49%$50

1.50% to 0.30%0.25%
Portion of balance over $10,000
Sweep Accounts0.36%0.36%

Savings0.05%0.05%$100





Premier Gold - Personal



Tier 10.90%0.90%
$200,000
Tier 20.65%0.65%
$100,000
Tier 30.40%0.40%
$50,000
Tier 40.30%0.30%
$25,000
Tier 50.20%0.20%$5,000$5,000





Premier Gold - Business



Tier 10.90%0.90%
$250,000
Tier 20.65%0.65%
$100,000
Tier 30.40%0.40%
$50,000
Tier 40.20%0.20%$25,000$25,000





Christmas Club1.25%1.24%$1.00
** 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.
Rates effective as of 9-11-19
 
 
TermAPY**Interest RateMinimum Deposit
90 Days0.20%0.20%$1,000
5 Months0.20%0.20%$1,000
6 Months0.20%0.20%$1,000
8 Months0.20%0.20%$1,000
$$ 9 Months1.85%1.83%$1,000
11 Months0.25%0.25%$1,000
1 Year0.30%0.30%$1,000
$$ 16 Months2.10%2.08%$1,000
18 Months0.40%0.40%$1,000
21 Months0.45%0.45%$1,000
2 Years0.55%0.55%$1,000
30 Months0.60%0.60%$1,000
$$ 33 Months2.30%2.27%$1,000
3 Years0.80%0.80%$1,000
4 Years0.85%0.85%$1,000
5 Years0.95%0.95%$1,000
78 Months1.00%1.00%$1,000
$$ - 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.
Rates effective 9-10-19
 
 
TypeInterest RateNotes
Single payment notes/ fixed and variable rate Line of Credit




Daily Variable5.750%
Prime + 0.500%   
 4.375% Floor Rate



GNB Base Rate $5,000 +

1 - 2 Year Fixed6.000%
25- 36 Month Fixed6.250%
37 - 48 Month Fixed6.500%



GNB Base Rate $1,000 - $4,999

1 Year Fixed8.500%
2 Year Fixed8.750%



Equipment/Farm Implement Loans




48 Months5.750%
60 - 72 Months6.500%

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.
 
 
YearInterest RateAPRPmt/MoTerm
SPECIAL - New Only 4.69%5.326$141.4985 Months
SPECIAL - Any Model Year3.99%5.070
$230.61
48 Months or Less
SPECIAL - Any Model Year4.15%4.859$154.8749 - 75 Months
SPECIAL - RVs, Travel Trailers, Boats5.09%5.807$159.3175 Months Maximum
(Based on credit score of 760 & higher)








Auto, Small Trucks, Boats, Motor Homes, Travel Trailers



Any Model Year4.99%5.708158.8475 Months Maximum
RV's, Travel Trailers, Boats7.49%8.085141.8096 Months Maximum
Motorcycles, Snowmobiles, ATV's, Jet Skis



2014 & Newer5.69%6.414162.1975 Months Maximum
2014 & Newer5.19%6.281236.1448 Months Maximum
2013 & Older6.09%6.983197.9360 Months Maximum





The above rates are based on purchase only.








Home Improvement6.59%7.487$200.3260 Months Maximum
All Other Loans8.39%9.304$209.0660 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
Rates effective as of 9-16-19
 
 
Term*RateAPRPoints
15 Year Fixed Rate3.500%3.591%0.000%




30 Year Fixed Rate3.750%3.801%0.000%




3 Year Adjustable Rate3.875%4.502%0.000%




5 Year Adjustable Rate4.000%4.351%0.000%




7/1 Year Adjustable Rate4.875%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.