100 dollar bills

Rates


Rates effective as of 7-2-2025
 
 
Term APY** Interest Rate Minimum To Open Minimum Balance To Obtain APY
Performance Checking 0.05% 0.05% $1,000 $1,000
Checking + 0.05% 0.05% $50 $750
More Interest 1.50% 1.49% $50

1.50% to 0.30% 0.25%
Portion of balance over $10,000

0.03% 0.03%
If requirements
not met
Savings 0.05% 0.05% $100





Premier Money Market - Personal



Tier 1 1.25% 1.24%
$200,000
Tier 2 1.00% 1.00%
$100,000
Tier 3 0.75% 0.75%
$50,000
Tier 4 0.50% 0.50%
$25,000
Tier 5 0.30% 0.30% $5,000 $5,000





Premier Money Market - Business



Tier 1 1.25% 1.24%
$250,000
Tier 2 1.00% 1.00%
$100,000
Tier 3 0.75% 0.75%
$50,000
Tier 4 0.50% 0.50% $25,000 $25,000





Christmas Club 1.00% 1.00% $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 7-2-2025


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 0.10% 0.10% $1,000
11 Months 0.15% 0.15% $1,000
$$1 Year 3.75% 3.68% $1,000
16 Months 0.20% 0.20% $1,000
18 Months 0.20% 0.20% $1,000
21 Months 0.20% 0.20% $1,000
$$2 Years 2.75% 2.71% $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.
Rates effective 7-1-2025

 
Type Interest Rate Notes
Single payment notes/ fixed and variable rate Line of Credit




Daily Variable 7.750%
Prime + 0.250%   
 4.000% Floor Rate



4-Year Annual Variable Line of Credit 6.750%
3-Year Treasury + 2.75% Margin   
 4.000% Floor Rate



4-Year Fixed Line of Credit 7.250%




GNB Base Rate $5,000 +

1 - 2 Year Fixed 8.750%
25- 36 Month Fixed 8.875%
37 - 48 Month Fixed 9.000%



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

1 Year Fixed 11.500%
2 Year Fixed 11.750%



Equipment/Farm Implement Loans

$100,000 and up
 RATE
48 Months 6.250%
60 - 84 Months 6.500%



Less than $100,000
 RATE
48 Months 6.750%
60 - 72 Months 7.000%

Rates effective as of  7-1-2025


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.

 
Year Interest Rate APR Pmt/Mo Term
Auto/Light Trucks



2022 & Newer 6.49% 7.894% 243.63 48 Months Maximum

6.99% 7.925% 169.50 75 Months Maximum

7.79% 8.635% 157.68 85 Months Maximum
2021 & Older 6.49% 7.894% 243.63 48 Months Maximum

6.99% 8.137% 203.42 60 Months Maximum

6.99% 7.925% 169.50 75 Months Maximum





Motorcycles & ATVS



2022 & Newer 8.19% 9.629% 251.85 48 Months Maximum

8.69% 9.658% 178.12 75 Months Maximum
2021 & Older 8.99% 10.441% 255.75 48 Months Maximum

9.49% 10.469% 182.24 75 Months Maximum





RV/Boat/Travel Trailer/Trailers



Any Model Year 9.29% 10.745% 257.22 48 Months Maximum

10.19% 11.177% 185.88 75 Months Maximum

11.69% 12.513% 165.36 96 Months Maximum

12.69% 13.397% 151.66 120 Months Maximum





All Other Loans 13.59% 14.813% 236.92 60 Months Maximum





Rates are based on purchase money only.
The above rates for Auto/Light Trucks are based on a credit score of 760+.

 All other 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
Rates effective as of  7-2-2025

Term* Rate APR Points
15 Year Fixed Rate
5.750%
 5.883% 0.000%




30 Year Fixed Rate
6.500%
6.583%
 0.000%


 
3 Year Adjustable Rate 6.000% 6.080% 0.000%

   
5 Year Adjustable Rate 6.250%
6.255%
 0.000%

   
10/1 Year Adjustable Rate 6.500% 6.498% 0.000%
*15 Year Fixed  -  179 payments of $996.49 at an interest rate of 5.750%.  1 payment of $996.87 at an interest rate of 5.750%.
*30 Year Fixed  - 359 payments of $758.48 at an interest rate of 6.500%.  1 payment of $759.09 at an interest rate of 6.500%.
*3 Year Adjustable Rate - 359 payments of $719.46 at an interest rate of 6.000%.  1 payment of $719.70 at an interest rate of 6.000%.
*5 Year Adjustable Rate - 60 payments of $738.86 at an interest rate of 6.250%.  299 payments of $730.23 at an interest rate of 6.125%.  1 payment of $730.39 at an interest rate of 6.125%.
*10/1 Adjustable Rate - 120 payments of $758.48 at an interest rate of 6.500%.  239 payments of $743.58 at an interest rate of 6.250%.  1 payment of $744.70 at an interest rate of 6.250%.
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.-