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EARTHSTAR BANK

DEPOSIT RATES

Effective Date: Thursday, May 01, 2008

 

Product

Rate

APY*

Minimum
to Open

Minimum to
obtain APY

Star Strata Checking (b)

 

 

$50

$500 (d)

$500 - $2,499.99

.50%

.50%

 

 

$2.500 - $7,499.99

1.49%

1.50%

 

 

$7,500 and up

1.73%

1.75%

 

 

 

StarLight Money Market (b)

 

 

$100

$1 (d)

up to $2,499.99

1.44%

1.45%

 

 

$2,500 to $24,999.99

2.43%

2.46%

 

 

$25,000 to $74,999.99

2.56%

2.59%

 

.

$75,000-$99,999

3.00%

3.04%

 

 

$100,000 and up

3.11%

3.16%

 

 

 

Star Strata Money Market (b)

 

 

$100

$1 (d)

up to $999

1.29%

1.30%

 

 

$1,000 - $4,999

1.29%

1.30%

 

 

$5,000 - $14,999

1.29%

1.30%

 

 

$15,000 and up

1.29%

1.30%

 

 

 

Statement Savings (b)

0.95%

0.95%

$50

$1 (d)

 

IRA Savings (b)

0.95%

0.95%

$1,000

$1 (d)

 

Business Star Strata Checking (b)

 

 

$100

$500 (d)

$500 - $2,499

.50%

.50%

 

 

$2,500 - $7,499

1.49%

1.50%

 

 

$7,500 and up

1.73%

1.75%

 

 

 

Business StarLight Money Market (b)

 

 

$100

$1 (d)

up to $2,499

1.44%

1.45%

 

 

$2,500 - $24,999

2.43%

2.46%

 

 

$25,000 - $74,999

2.56%

2.59%

 

 

$75,000 - $99,999

3.00%

3.04%

 

 

$100,000 and up

3.11%

3.16%

 

 

 

Certificates of Deposit

Rate

APY*

Minimum to Open

Minimum to obtain APY

 

90 Day CD

(a,f) 

3.17%

3.22%

$500

$500 (c)

5 Month CD

(a, f) SPECIAL

3.20%

3.25%

$500

$500 (c)

6 Month CD

(a,f)

2.88%

2.92%

$500

$500 (c)

7 Month CD

(a,f)

3.07%

3.12%

$500

$500 (c)

9 Month CD

(a,f)

2.91%

2.95%

$500

$500 (c)

11 Month CD

(a,f)

2.76%

2.80%

$500

$500 (c)

12 Month CD

(a,f) 

2.66%

2.70%

$500

$500 (c)

13 Month CD

(a,f) 

2.59%

2.62%

$500

$500 (c)

18 Month CD

(a,f)

2.66%

2.70%

$500

$500 (c)

19 Month CD

(a,f) 

2.91%

2.95%

$500

$500 (c)

2 Year CD

(a,f) 

2.71%

2.75%

$500

$500 (c)

3 Year CD

(a,f)

2.62%

2.65%

$500

$500 (c)

5 Year CD

(a,f)

2.91%

2.95%

$500

$500 (c)

Jumbo CD

(a,f)

Same Rates as above

$100,000

$100,000 (c)

 

a) A penalty may imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily Balance. The amount of the principal in the account each day.
d) Average Daily Balance. The average daily balance is calculated by adding the principal in the account for each day of the period by dividing that figure by the number of days in the period.
e) Jumbo CD terms from 30 days to 2 years.
f) Minimums for mailed interest checks: Monthly- $20,000;  Quarterly- $10,000. Automatic credit of interest to an Earthstar deposit account available for monthly or quarterly for certificates of $1,000 or more.

 

* Interest rates and annual percentage yields (APY) current as of Thursday, May 01, 2008 Rates subject to change without notice.  Fees may reduce earnings.

LOAN RATES

Effective Date: Thursday, May 01, 2008

 

HOME EQUITY TERM FIXED RATE*

 

Term

APR

up to 80% Loan to Value

1-60 months**

6.99%

 

61-84 months

7.24%

 

85-120 months

7.74%

 

121-180 months

8.24%

 

**Payment Examples: For every $1,000 borrowed on a fixed rate home equity loan at 6.99% APR, payments would be: 36 Months - $30.87 / 60 Months - $19.80. Rates apply to owner-occupied residences only.

 

HOME EQUITY LINES OF CREDIT*

 

Term

APR

80% Loan to Value

Revolving

Prime plus .00%***

 

Max APR Cap 18.00%

*$150 Loan fee on all approved Home Equity Loans & Lines of Credit.  Fee may be financed.  Rates apply to owner-occupied residences only. ***Rates are subject to monthly adjustment based on the WSJ published Prime Rate as of the first day of the month. Current rate based on WSJ Prime Rate of 5.00% as of 05/01/08.

 

AUTOMOBILE LOANS

    New Auto (untitled)
    (2007-2008 model years)
    New Auto Maximum Amt Financed: 90% of purchase price, less tax, tags & extended warranty

 

TERM

APR

 

1-60 months

7.49%

 

    Used Auto
    (2007-2003 model years)
    Used Auto Maximum Amt Financed: Wholesale value as stated by the NADA Used Car Guide, including any options

 

YEAR

TERM

APR

 

2007

1-54 months

7.99%

 

2006

1-48 months

7.99%

 

2005

1-36 months

7.99%

 

2004

1-30 months

7.99%

 

2003

1-24 months

7.99%

 

 

 

 

 

Deposit Secured Loans

 

TERM

APR

    Maximum Loan Amount: 98% of the collected balance in a Certificate of Deposit Account.  No variable rate type accounts or IRA’s

1-60 months

2% over deposit account Annual Percentage Yield (APY)

 

Personal Unsecured Loans

 

TERM

APR

    Maximum Loan Amount:
    up to $5,000; 60 months maximum term

1-36 months

13.99%

 

37-60 months

14.49%

 

Overdraft Line of Protection

 

TERM

APR

 

Revolving

Prime plus 4.00%

 

INVESTMENT PROPERTIES: Max LTV: 70%; Interest Rate: add 1% to above rates

EQUAL HOUSING LENDER /  EQUAL OPPORTUNITY LENDER
ehl02

Member FDIC