Rates
Checking & Savings
Rates effective as of 5-18-2022
** 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 5-18-2022
| Term | APY** | Interest Rate | Minimum Deposit |
|---|---|---|---|
| 90 Days | 0.05% | 0.05% | $1,000 |
| 5 Months | 0.05% | 0.05% | $1,000 |
| 6 Months | 0.05% | 0.05% | $1,000 |
| 8 Months | 0.05% | 0.05% | $1,000 |
| $$ 9 Months | 0.20% | 0.20% | $1,000 |
| 11 Months | 0.10% | 0.10% | $1,000 |
| 1 Year | 0.15% | 0.15% | $1,000 |
| 16 Months | 0.15% | 0.15% | $1,000 |
| 18 Months | 0.20% | 0.20% | $1,000 |
| 21 Months | 0.20% | 0.20% | $1,000 |
| 2 Years | 0.20% | 0.20% | $1,000 |
| 30 Months | 0.25% | 0.25% | $1,000 |
| 33 Months | 0.30% | 0.30% | $1,000 |
| 3 Years | 0.30% | 0.30% | $1,000 |
| 46 Months | 0.35% | 0.35% | $1,000 |
| 4 Years | 0.35% | 0.35% | $1,000 |
| 5 Years | 0.50% | 0.50% | $1,000 |
| 78 Months | 0.60% | 0.60% | $1,000 |
| $$ - 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 Loans
| Type | Interest Rate | Notes |
|---|---|---|
| Single payment notes/ fixed and variable rate Line of Credit | ||
| Daily Variable | 4.250% |
Prime + 0.250%
3.000% Floor Rate
|
| GNB Base Rate $5,000 + | ||
| 1 - 2 Year Fixed | 4.500% | |
| 25- 36 Month Fixed | 4.625% | |
| 37 - 48 Month Fixed | 4.875% | |
| GNB Base Rate $1,000 - $4,999 | ||
| 1 Year Fixed | 7.500% | |
| 2 Year Fixed | 7.250% | |
| Equipment/Farm Implement Loans | ||
| 48 Months | 4.375% | |
| 60 - 72 Months | 4.625% | |
Vehicle/Personal
| Year | Interest Rate | APR | Pmt/Mo | Term |
|---|---|---|---|---|
| Auto/Light Trucks | ||||
| Any Model Year | 3.89% | 5.273% | 231.53 | 48 Months Maximum |
| 4.29% | 5.200% | 156.46 | 75 Months Maximum | |
| Motorcycles & ATVS | ||||
| 2018 & Newer | 5.19% | 6.589% | 237.56 | 48 Months Maximum |
| 5.49% | 6.414% | 162.19 | 75 Months Maximum | |
| 2017 & Older | 5.39% | 6.792% | 238.50 | 48 Months Maximum |
| 5.69% | 6.611% | 163.16 | 75 Months Maximum | |
| RV/Boat/Travel Trailer/Trailers | ||||
| Any Model Year | 4.99% | 6.387% | 236.63 | 48 Months Maximum |
| 5.89% | 6.819% | 164.13 | 75 Months Maximum | |
| 7.39% | 8.152% | 142.14 | 96 Months Maximum | |
| 8.39% | 9.032% | 126.85 | 120 Months Maximum | |
| The above rates are based on purchase only and a credit score of 730+. | ||||
| All Other Loans | 7.99% | 9.160% | 208.36 | 60 Months Maximum |
| The above rates are based on a credit score of 730+. |
APR and payment amount calculated at maximum terms listed, loan amount of $10,000 with a $275 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 5-19-2022
| Term* | Rate | APR | Points |
|---|---|---|---|
| 15 Year Fixed Rate | 5.000% | 5.130% | 0.000% |
| 30 Year Fixed Rate | 5.250% | 5.327% | 0.000% |
| 3 Year Adjustable Rate | 4.000% | 5.587% | 0.000% |
| 5 Year Adjustable Rate | 4.250% | 5.490% | 0.000% |
| 10/1 Year Adjustable Rate | 5.000% | 5.166% | 0.000% |
*15 Year Fixed - 179 payments of $948.95 at an interest rate of 5.000%. 1 payment of $949.35 at an interest rate of 5.000%.
*30 Year Fixed - 359 payments of $662.64 at an interest rate of 5.250%. 1 payment of $664.29 at an interest rate of 5.250%.
*3 Year Adjustable Rate -36 payments of $572.90 at an interest rate of 4.000%. 323 payments of $707.59 at an interest rate of 6.000%. 1 payment of $707.48 at an interest rate of 6.000%.
*5 Year Adjustable Rate - 60 payments of $590.33 at an interest rate of 4.250%. 299 payments of $710.44 at an interest rate of 6.125%. 1 payment of $710.25 at an interest rate of 6.125%.
*10/1 Adjustable Rate -120 payments of $644.19 at an interest rate of 5.000%. 239 payments of $657.74 at an interest rate of 5.250%. 1 payment of $657.59 at an interest rate of 5.250%.
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.