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Rates

Home Mortgage Rates

Residential Real Estate Loans for 1-4 Family Dwellings.

All rates and terms are subject to change at any time. 

Fixed Rates

Owner occupied or Second Home (First Mortgages up to $453,100) Loans over this amount are Jumbos
Product Interest Rate Points Annual Percentage Rate (APR) Minimum Down Payment per $1,000 Borrowed Number of Payments
15 Year Fixed 4.375% 0.000 4.493% 5% $7.58  180
20 Year Fixed 4.625% 0.000 4.720% 5% $6.39  240
30 Year Fixed 4.875% 0.000 4.946% 5% $5.29  360
Payments shown do not include taxes or home owner's insurance. Your payment may be greater. Payments and rates based on 20% down payment and no mortgage insurance.
Non-Owner occupied (First Mortgages up to $500,000)
15 Year Fixed 4.750% 0.000 4.872% 25% $7.77 180

Adjustable Rates

Product Interest Rate Term Points Annual Percentage Rate (APR) Payment per $1,000 borrowed Fully Indexed Rate Term Payment per $1,000 borrowed Minimum Down
Owner occupied First Mortgage
5/1 Adjustable 3.990% 5 years 0.000 4.928% $4.76 5.375% 25 years $5.48 5%
7/1 Adjustable 4.125% 7 years 0.000 4.835% $4.84
5.375%
23 years $5.45 5%
10/1 Adjustable 4.25% 10 years 0.000 4.733% $4.91 5.375% 20 years $5.40 5%
Payments shown do not include taxes or home owner's insurance.  Your payment may be greater. Payments and rates based on 20% down payment and no mortgage insurance. Rate may change after the account is opened.
Non-Owner occupied
5/1 Adjustable 4.750% 5 years 0.000 5.211% $5.21 5.375% 25 years $5.55 25%
10/1 Adjustable 5.000% 10 years 0.000 5.207% $5.36 5.375% 20 years $5.53 25%
Rate may change after the account is opened.

First Time Home Buyer Program

Owner occupied First Mortgages up to $453,100 including Borrower with less than 20% downpayment
Product Interest Rate Term Points Annual Percentage Rate (APR) Payment per $1,000 Borrowed Fully Indexed Rate Term Payment per $1,000 borrowed Minimum Down
15/1 adjustable 4.250% 15 years 0.000 4.776% $5.23 5.375% 15 years $5.29 3%
Your payment may be greater. Payments and rates for loans with mortgage insurance are based on a 3% down payment and include estimated mortgage insurance payment. Available for 1-Unit Single-Family, Condominium or 2-Unit properties. Payments shown do not include taxes or home owner's insurance. Rate may change after the account is opened.

Jumbo Fixed Rates

Owner Occupied Loans are between $453,100 - $1,000,000
Product Interest Rate Points Annual Percentage Rate (APR) Minimum Down Payment per $1,000 borrowed Number of Payments
15 Year Fixed 4.375% 0.000 4.424% 25% $7.58  180
20 Year Fixed 4.625% 0.000 4.665% 25% $6.39  240
30 Year Fixed 4.875% 0.000 4.905% 25% $5.29  360
Payments shown do not include taxes or home owner's insurance. Your payment may be greater. Payment and rates based on a 25% down payment and no mortgage insurance.

Jumbo Adjustable Rates

Owner Occupied Loans are between $453,100 - $1,000,000
Product Interest Rate Term  Points Annual Percentage Rate (APR) Payment per $1,000 borrowed Fully Indexed Rate Term Payment per $1,000 borrowed Minimum Down
7/1 Adjustable 4.125% 7 years 0.000 4.796% $4.84 5.375% 23 years $5.45 25%
10/1 Adjustable 4.25% 10 years 0.000 4.694% $4.91 5.375% 20 years $5.40 25%
Your payment may be greater. Payment and rates based on a 25% down payment and no mortgage insurance. Payments shown do not include taxes or home owner's insurance. Rate may change after the account is opened.

Home Equity Rates

Residential Real Estate Loans for 1-4 Family Dwellings. 

All rates and terms are subject to change at any time.
Prime Rate: 5.25%
Home Equity Loans (Owner Occupied/Second Home) (Fixed Rate)
Product Interest Rate Points Annual Percentage Rate (APR)  Minimum Down Payment per $1,000 borrowed Number of Payments
 5 Year Fixed 4.750% 0.000 4.750% n/a $18.76 60
 10 Year Fixed 5.000% 0.000 5.000% n/a $10.61 120
 15 Year Fixed 5.375% 0.000 5.375% n/a $8.10 180
 20 Year Fixed 5.750% 0.000 5.750% n/a $7.02 240
The loan to value ratio is a maximum of 75%. The quoted rate assumes a monthly auto-payment from an established Century Bank checking Account. all others must add .50% to the quoted rates. Property Insurance Required.
Home Equity Lines of Credit (Variable Rate)
Product Interest Rate Points Annual Percentage Rate (APR) Minimum Down Payment per $1,000 borrowed Number of Payments
Owner occupied or Second Homes
2.49% APR for 12 months*
4.740% 0.000 4.740% n/a n/a n/a
Non-Owner Occupied 6.250% 0.000 6.250% n/a n/a n/a
Annual Percentage Rate (APR) is variable and based on the Prime Rate minus .51% for 1-4 family owner occupied/second homes and Prime Rate plus 1.00% for non-owner occupied 1-4 family homes as published in the Wall Street Journal as of the last business day of the month effective with the first day of the following month. Prime rate is listed at the top of this page. Rate may change after account opening. Lines have a 10 year draw period followed by a 10 year repayment period.  Loan to value not to exceed 75%. Property insurance required. The quoted rate assumes a monthly auto-payment from an established Century Bank checking account, all others will be Prime Rate plus .50% for owner occupied/second homes and Prime Rate plus 1.50% for non-owner occupied homes. The APR will not exceed 18% and will not go below 3.240% for 1-4 family owner-occupied/second homes. For non-owner occupied 1-4 family homes, the APR will not exceed 18% and will not go below 4.000%. 
*Annual Percentage Rate (APR) 2.49% is for new-to-the-bank borrowers only. The introductory rate is fixed for 12 months for 1-4 family owner-occupied/second homes. After the introductory period, APR on outstanding balance is variable and based on the Prime Rate minus .51% for 1-4 family owner occupied/second homes as published in the Wall Street Journal as of the last business day of the month effective with the first day of the following month. Early termination fee of $425 for lines over $25,000.00 applies if the line is closed within the first 36 months.

Personal Deposit Rates


All rates and terms subject to change at any time. 
Product Minimum To Open Min. Daily Balance To Earn Stated APY Interest Rate Annual Percentage Yield (APY)

Checking





Platinum Checking $10 $10 0.05% 0.05%

    Savings

    Money Market

    CDs/IRA CDs (Auto-Renewable)

    CD Special Promotion

    Other Individual Retirement Options

Personal Loan Rates

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Prime Rate: 5.25%

Personal Loans

Product Annual Percentage Rate (APR) Minimum Down
Personal Line of Credit (A) 9.25% n/a
Overdraft Protection Line of Credit (B) 18.00% n/a
Unsecured Loan (C) 12.50%  n/a

Auto Loans

Product Annual Percentage Rate (APR) Minimum Down Payment per $1,000 borrowed
New Auto (D) 36 months 4.99% 20% $29.97
New Auto (D) 48 months 4.99% 20% $23.02
New Auto (D) 60 months 5.50% 20% $19.10
Used Auto (D) Up to 48 months 6.99% 20%  $23.94

Other Loan

Product
 Deposit Secured Loan Deposit Rate + 3% or 6.00%, whichever is greater
(A) Product is a variable Prime + 4.00%. Personal Lines of Credit is accessible by check. The annual percentage rate (APR) is variable and based on the Prime Rate plus 4.00% as published in the Wall Street Journal as of the last business day of the month effective with the first business day of the following month. Prime rate is listed at the top of this page. Maximum line amount is $10,000. The Maximum APR is 18.00% and will not go below 8.00%.
(B) Overdraft Protection Line of Credit, linked to your personal checking account, maximum line is $10,000 and has a $25.00 annual fee.
(C) Unsecured loan rates are quoted with a .50% reduction assuming a monthly auto-payment from an established Century Bank checking account. Unsecured installment loans up to a maximum of $25,000. Various repayment terms available.
(D) Auto loan rates are quoted with a .50% reduction assuming a monthly auto-payment from an established Century Bank checking account. New auto loans up to 80% financed and used auto loans up to 80% of NADA finance value or 80% of purchase price, whichever is lower.Subject to credit approval.

Business Loan and Deposit Rates

All rates and terms are subject to change at any time. 

Business Accounts

Product Minimum To Open Min. Daily Balance To Earn Stated APY Interest Rate Annual Percentage Yield (APY)
Bronze Business Checking (Sole Prop/Not-For-Profit) $1 $10 0.02% 0.02%
Business Savings $1 $10 0.02% 0.02%
Super Savings (Requires a monthly auto transfer from checking of $50+) $10 $10 0.25% 0.25%
Business Money Market $1 $10 0.02% 0.02%


$25,000 0.05% 0.05%


$50,000 0.08% 0.08%


$100,000 0.10% 0.10%
IOLTA $1 n/a 1.69%
 1.70%

REPO

Balance Level Interest Rate
 $100,000 0.05%
 $500,000 0.10%
 $750,000 0.10%
 $1,000,000 0.10%
 $2,500,000 0.15%