Effective Annual Percentage Rate (APR) listed are as of 5/14/2008
All interest rates are subject to change without notice.

 

Checking Accounts
ACCOUNT
TITLE
INTEREST
RATE
APYTERM
(Months)
ADDITIONAL INFORMATIONMIN BAL. TO OBTAIN APYCALC.
AMOUNT
CALC.
BUTTON
N.O.W. Checking0.7500.75-$5 monthly fee if balance goes below $100$100 Minimum balanceN/AN/A
Star Checking1.4701.50-Combined balance of $20,000+ (seniors 55 and over must have $10,000+) in Star Checking Account and any savings account.$500 Minimum deposit to openN/AN/A

 

Savings & Money Market Accounts
ACCOUNT
TITLE
INTEREST
RATE
APYTERM
(Months)
ADDITIONAL INFORMATIONMIN BAL. TO OBTAIN APYCALC.
AMOUNT
CALC.
BUTTON
Savings (Passbook or Statement)0.9801.00-$100 Minimum deposit to openN/AN/A
KFS Kid's Club Account0.9801.00-$10 Minimum deposit to openN/AN/A
Money Market Account1.0301.05-Rate lower if balance drops below $2,500$2,500 Minimum deposit to openN/AN/A
Tiered Money Market Account2.4402.50-Rate lower if balance drops below $50,000$50,000N/AN/A
-2.1902.25-Rate lower if balance drops below $25,000$25,000-$49,999N/AN/A
-1.4701.50-Rate lower if balance drops below $10,000$10,000-$24,999N/AN/A
-0.7400.75-Balances below $2,500 earn no interest$2,500-$9,999N/AN/A
Holiday Club0.9801.00-$5 Minimum deposit to openN/AN/A

 

Certificate Of Deposit Accounts

If you input the amount your initial deposit in the "Calculate Amount" box and click "calculate," the system will determine the amount of your deposit upon maturity.
ACCOUNT
TITLE
INTEREST
RATE
APYTERM
(Months)
ADDITIONAL INFORMATIONMIN BAL. TO OBTAIN APYCALC.
AMOUNT
CALC.
BUTTON
30 Day CD1.9502.001$25,000 Minimum deposit to open
91 Day CD2.4402.503$1,000 Minimum deposit to open
4 Month CD2.4502.504$1,000 Minimum deposit to open
6 Month CD2.7902.856$1,000 Minimum deposit to open
1 Year CD2.8202.9012$500 Minimum deposit to open
17 Month Step-Up CD2.8202.9017$1,000 Minimum deposit to open
2 Year CD3.0103.1024$500 Minimum deposit to open
29 Month Step-Up CD3.0103.1029$1,000 Minimum deposit to open
3 Year CD3.1103.2036$500 Minimum deposit to open
5 Year CD3.2003.3060$500 Minimum deposit to open
*Note: If any deposit is withdrawn before the maturity date, a penalty will be imposed which could result in the loss of principal.

 

Retirement Accounts
ACCOUNT
TITLE
INTEREST
RATE
APYTERM
(Months)
ADDITIONAL INFORMATIONMIN BAL. TO OBTAIN APYCALC.
AMOUNT
CALC.
BUTTON
Variable Rate Statement Savings0.9801.000$25 Minimum deposit to openN/AN/A
1 Year Variable Rate CD2.6302.7012$100 Minimum deposit to open
1 Year Fixed Rate CD2.8202.9012$500 Minimum deposit to open
17 Month Step-Up CD2.8202.9017$1,000 Minimum deposit to open
2 Year Fixed Rate CD3.0103.1024$500 Minimum deposit to open N/AN/A
29 Month Step-Up CD3.0103.1029$1,000 Minimum deposit to open
3 Year Fixed Rate CD3.1103.2036$500 Minimum deposit to open N/AN/A
5 Year Fixed Rate CD3.2003.3060$500 Minimum deposit to open N/AN/A
*Note: If any deposit is withdrawn before the maturity date, a penalty will be imposed which could result in the loss of principal.

 

Fixed Rate Balloon Mortgage

PRODUCTINTEREST
RATE
APRTERM
(Months)
ADDITIONAL INFORMATIONMNTHLY PMT PER $1000CALC.
AMOUNT
CALC.
BUTTON
10/30 Balloon Rate6.2506.370360$1,000,000.00 Max, 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less then 20% down, Call for Jumbo Rates6.16

Fixed Rate Mortgage

PRODUCTINTEREST
RATE
APRTERM
(Months)
ADDITIONAL INFORMATIONMNTHLY PMT PER $1000CALC.
AMOUNT
CALC.
BUTTON
10 Year Fixed Rate5.1255.280120$1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less then 20% down, Call for Jumbo Rates10.67
15 Year Fixed Rate5.2505.360180$1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less then 20% down, Call for Jumbo Rates8.04
20 Year Fixed Rate5.3755.460240$1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max. LTV, PMI Required with less then 20% down, Call for Jumbo Rates6.81
25 Year Fixed Rate6.0006.080300$1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less then 20% down, Call for Jumbo Rates6.44
30 Year Fixed Rate6.1256.200360$1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max. LTV, PMI Required with less then 20% down, Call for Jumbo Rates6.08

 

Home Equity Credit Line

PRODUCTINTEREST
RATE
APRTERM
(Months)
ADDITIONAL INFORMATIONMNTHLY PMT PER $1000CALC.
AMOUNT
CALC.
BUTTON
15 Year Revolving Credit Line6.0006.000180$500,000.00 Max., 75% LTV , 1-4 Family Owner Occupied, Prime Rate minus .50%; the maximum rate is 18.00% (ceiling rate) and the minimum rate is 6.00% (the floor rate). A full residential appraisal will be required for loan amounts over $250,000.Min Monthly Prin Install $100.00 N/AN/A
15 Year Fixed LOC7.2507.250180$500,000.00 Max., 80% Max. LTV, 1-2 Family Owner Occupied. A full residential appraisal will be required for loan amounts over $250,000.Min Monthly Prin Install $100.00 N/AN/A

 

Fixed Rate Home Equity

PRODUCTINTEREST
RATE
APRTERM
(Months)
ADDITIONAL INFORMATIONMNTHLY PMT PER $1000CALC.
AMOUNT
CALC.
BUTTON
5 Years Fixed Rate Equity5.6255.62560$500,000.00 Max, 80% Max LTV, 1-2 Family Owner Occupied, 70% Max LTV on Condos, *NO APPLICATION FEES. * A full residential appraisal will be required for loan amounts over $250,000.19.16
10 Years Fixed Rate Equity5.7505.750120$500,000.00 Max, 80% Max LTV, 1-2 Family Owner Occupied, 70% Max LTV on Condos, *NO APPLICATION FEE. *A full residential appraisal will be required for loan amounts over $250,000.10.98
15 Years Fixed Rate Equity5.8755.875180$500,000.00 Max., 80% Max. LTV, 1-2 Family Owner Occupied, 70% Max. LTV on Condos, *NO APPLICATION FEE *A full appraisal will be required for loan amounts over $250,000.8.37
20 Year Fixed Rate Equity6.0006.000240$500,000.00 Max., 80% Max. LTV, 1-2 Family Owner Occupied, 70% Max. LTV on Condos, *NO APPLICATION FEE *A full appraisal will be required for loan amounts over $250,000.7.16

 

Adjustable Rate Mortgage
ACCOUNT
TITLE
INTEREST
RATE
APRTERM
(Months)
ADDITIONAL INFORMATIONMNTHLY PMT PER $1000CALC.
AMOUNT
CALC.
BUTTON
1/1/30 Adjustable Rate5.0004.8263602.75% Margin - 2/6 Caps , $1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max. LTV, PMI Required with less then 20% down, Call for Jumbo Rates5.37N/AN/A
3/1/30 Adjustable Rate5.1254.8953602.75% Margin - 2/6Caps, $1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less then 20% down, Call for Jumbo Rates5.44N/AN/A
5/1/30 Adjustable Rate5.2504.9953602.75% Margin - 2/6 Caps, $1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less then 20% down, Call for Jumbo Rates5.52N/AN/A
7/1/30 Adjustable Rate5.3755.1183602.75% Margin - 2/6Caps, $1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less then 20% down, Call for Jumbo Rates5.60N/AN/A
10/1/30 Adjustable Rate5.6255.3773602.75% Margin - 2/6 Caps, $1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max LTV, PMI Required with less then 20% down, Call for Jumbo Rates5.76N/AN/A
5/5/30 Adjustable Rate6.0005.9913602.75% Margin - 2/6 Caps, $1,000,000.00 Max., 1-4 Family Owner Occupied, 95% Max. LTV, PMI Required with less then 20% down, Call for Jumbo Rates6.00N/AN/A

 

 


Effective Annual Percentage Yields (APY) listed are as of 5/14/2008
 All interest rates are subject to change without notice.