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Rates

 
Rates effective as of 11-13-19
 
 
Term APY** Interest Rate Minimum To Open Minimum Balance To Obtain APY
Investment Checking 0.05% 0.05% $750 $750
Prestige Checking 0.05% 0.05% $100 $750
More Interest 1.50% 1.49% $50

1.50% to 0.30% 0.25%
Portion of balance over $10,000
Sweep Accounts 0.05% 0.05%

Savings 0.05% 0.05% $100





Premier Gold - Personal



Tier 1 0.90% 0.90%
$200,000
Tier 2 0.65% 0.65%
$100,000
Tier 3 0.40% 0.40%
$50,000
Tier 4 0.30% 0.30%
$25,000
Tier 5 0.20% 0.20% $5,000 $5,000





Premier Gold - Business



Tier 1 0.90% 0.90%
$250,000
Tier 2 0.65% 0.65%
$100,000
Tier 3 0.40% 0.40%
$50,000
Tier 4 0.20% 0.20% $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 11-13-19
 
 
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
$$ 9 Months 1.65% 1.64% $1,000
11 Months 0.25% 0.25% $1,000
1 Year 0.30% 0.30% $1,000
$$ 16 Months 1.75% 1.73% $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
$$ 33 Months 1.90% 1.88% $1,000
3 Years 0.80% 0.80% $1,000
4 Years 0.85% 0.85% $1,000
5 Years 0.95% 0.95% $1,000
78 Months 1.00% 1.00% $1,000
$$ - 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.
Rates effective 11-13-19
 
 
Type Interest Rate Notes
Single payment notes/ fixed and variable rate Line of Credit




Daily Variable 5.375%
Prime + 0.375%   
 4.375% Floor Rate



GNB Base Rate $5,000 +

1 - 2 Year Fixed 5.625%
25- 36 Month Fixed 5.875%
37 - 48 Month Fixed 6.125%



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

1 Year Fixed 8.000%
2 Year Fixed 8.250%



Equipment/Farm Implement Loans




48 Months 5.250%
60 - 72 Months 5.625%

Rates effective as of 11-13-19
 
 
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
Rates effective as of 11-14-19
 
 
Term* Rate APR Points
15 Year Fixed Rate 3.625% 3.717% 0.000%




30 Year Fixed Rate 3.625% 3.676% 0.000%




3 Year Adjustable Rate 3.500% 4.509% 0.000%




5 Year Adjustable Rate 3.625% 4.286% 0.000%




7/1 Year Adjustable Rate 4.500% 4.747% 0.000%
 
*15 Year Fixed - 179 payments of $865.24 at an interest rate of 3.625%.  1 payment of $866.04 at an interest rate of 3.625%.
*30 Year Fixed -  359 payments of $547.26 at an interest rate of 3.625%.  1 payment of $547.87 at an interest rate of 3.625%.
*3 Year Adjustable Rate -  36 payments of $857.86 at an interest rate of 3.500%.  143 payments of $931.85 at an interest rate 5.000%.  1 payment of $931.55  at an interest rate of 5.000%.  Rate & payment may change every 3 years based on an index plus 3.25% margin.
*5 Year Adjustable Rate - 60 Payments of $865.24 at an interest rate of 3.625%. 119 payments of $922.60 at an interest rate of 5.000%.  1 payment of $922.01 at a interest rate of 5.000%.  Rate & payment may change every 5 years based on an index plus 3.25% margin.
*7/1 Year Adjustable Rate - 84 payments of $608.02 at an interest rate of 4.500%. 275 payments of $630.03 at an interest rate of 4.875%.  1 payment of $630.12 at an interest rate of 4.875%. 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.