Thanks for stopping by to check out these Great Interest Rates. We know how important it is for you to apply for a loan at your convenience. That's why our "secure" Loan Application is available to you on our Web site... anytime, 24-hours a day. So take a moment now and complete your Loan Application --- right Online. Effective May 1, 2008 — Subject to Credit Approval
| Loan Type |
Term
(months) |
Preauthorized
Payment APR |
Monthly payment
example per $1,000 borrowed** |
| New Car |
0 - 60 |
6.24% |
$19.44 |
| New Car |
61 - 72 |
6.49% |
$16.80 |
| Used Car |
0 - 36 |
6.49% |
$30.64 |
| Used Car |
37 - 60 |
6.49% |
$19.56 |
| Home Equity |
0 - 60 |
5.24% |
$18.98 |
| Home Equity |
61 - 84 |
5.99% |
$14.60 |
| Home Equity |
85 - 120 |
6.24% |
$11.22 |
| Home Equity |
121 - 180 |
6.69% |
$8.81 |
| Home Equity |
181 - 240 |
6.99% |
$7.74 |
| Unsecured |
0 - 36 |
8.90% |
$31.75 |
| Unsecured |
37 - 60 |
8.90% |
$20.70 | * APR means Annual Percentage Rate
**Repayment example calculated using the maximum term for each corresponding APR. For example, for a
term disclosed as ranging from 0 - 48 months, we used the 48 mos. in calculating the payment.
Effective May 1, 2008 — Subject to Credit Approval
Index - WSJ (Wall Street Journal) Prime 5.00% (Effective 1st of the Month)
| Loan Type |
Margin |
APR* |
Annual Fee |
| Sterling HomeLine |
.25 |
5.25% |
none |
| Sterling HomeLine Plus |
.50 |
5.50% |
none |
Index - Today's WSJ Prime 5.00%
| Loan Type |
Margin |
APR* |
Annual Fee |
| Sterling Preferred |
.00 |
5.00% |
$100** |
| Sterling Flex Line |
3.00 |
9.50% |
$25 |
| Sterling Quick Line |
6.00 |
11.00% |
$25 | *Rates may vary after consummation.
Maximum A.P.R. is 18.0%
Typical closing costs range from $262 - 450.
**one-time charge
Loan applications will only be accepted from residents of Lancaster County as well as residents from contiguous counties.
Rates, Terms and Conditions are subject to change without notice. For more information, call our Customer Connection Center at 1-(800)-225-5252 or
e-mail us at CCCLancaster@sterlingfi.com.
** Effective May 12, 2008
| CD or IRA Term |
Min. Balance to Earn APY |
Interest Rate |
APY* |
6 Month Regular CD
With a Bank of Lancaster County Checking Account |
$5000.00 |
2.96% |
3.00% |
11 Month Regular CD or New IRA CD
With a Bank of Lancaster County Checking Account |
$5000.00 |
3.44% |
3.50% |
36 Month Regular CD or New IRA CD
With a Bank of Lancaster County Checking Account |
$5000.00 |
3.54% |
3.60% |
60 Month Regular CD or New IRA CD
With a Bank of Lancaster County Checking Account |
$5000.00 |
3.92% |
4.00% | *APY means Annual Percentage Yield
**Assumes reinvestment of interest earned at the stated rate.
Rates subject to change without notice.
Substantial penalty for early withdrawal.
Business accounts not eligible. Effective May 12, 2008
| CD Term |
Min. Balance to Earn APY |
Interest Rate |
APY* |
| 91 Day CD |
$5000.00 |
1.60% |
1.61% |
| 182 Day CD |
$5000.00 |
1.79% |
1.81% |
| 12 - 17 Month CD |
$500.00 |
1.74% |
1.76% |
| 18 - 23 Month CD |
$500.00 |
1.74% |
1.76% |
| 24 - 35 Month CD |
$500.00 |
1.74% |
1.76% |
| 36 - 47 Month CD |
$500.00 |
2.00% |
2.02% |
| 48 - 60 Month CD |
$500.00 |
2.24% |
3.00% |
| 12 Month CD No-Penalty |
$5000.00 |
2.24% |
2.27% |
Effective May 12, 2008
| IRA Term |
Min. Balance to Earn APY |
Interest Rate |
APY* |
| IRA 12 - 17 Month |
$500.00 |
1.74% |
1.76% |
| IRA 18 - 23 Month |
$500.00 |
1.74% |
1.76% |
| IRA 24 - 35 Month |
$500.00 |
1.74% |
1.76% |
| IRA 36 - 47 Month |
$500.00 |
2.00% |
2.02% |
| IRA 48 - 60 Month |
$500.00 |
2.24% |
2.27% |
| 18 Mo. Var. Add-to IRA CD** |
$500.00 |
1.54% |
1.55% | **no longer offered
Effective May 12, 2008
| Checking & Savings |
Interest Rate |
APY* |
Min. Balance to Earn APY |
| Interest Checking** |
0.10% |
0.10% |
$1,000.00 |
| Easy Interest Checking |
0.10% |
0.10% |
$500 |
| Smart Checking |
0.10% |
0.10% |
|
| Investor Checking |
0.50% |
0.50% |
$10,000 and above |
| Investor Checking |
0.15% |
0.15% |
$1000 - $9,999 |
| Bonus 50 Checking |
0.10% |
0.10% |
|
| Sole Proprietor Checking |
0.20% |
0.20% |
|
| Statement Savings |
0.40% |
0.40% |
$1,000,000 - above |
| Statement Savings |
0.40% |
0.40% |
$500,000 - $999,999 |
| Statement Savings |
0.40% |
0.40% |
$100,000 - $499,999 |
| Statement Savings |
0.40% |
0.40% |
$75,000 - $99,999 |
| Statement Savings |
0.40% |
0.40% |
$50,000 - $74,999 |
| Statement Savings |
0.40% |
0.40% |
$25,000 - $49,999 |
| Statement Savings |
0.40% |
0.40% |
$10,000 - $24,999 |
| Statement Savings |
0.20% |
0.20% |
Below $10,000 |
| Money Market Savings |
0.65% |
0.65% |
$2,500 |
| Money Market Savings |
0.30% |
0.30% |
$1,000 - $2,499.99 |
| Money Market GOLD |
2.23% |
2.25% |
1,000,000 - above |
| Money Market GOLD |
2.23% |
2.25% |
$500,000 - $999,999 |
| Money Market GOLD |
2.23% |
2.25% |
$100,000 - $499,999 |
| Money Market GOLD |
1.98% |
2.00% |
$75,000 - $99,999 |
| Money Market GOLD |
1.79% |
1.80% |
$50,000 - $74,999 |
| Money Market GOLD |
1.09% |
1.10% |
$25,000 - $49,999 |
| Money Market GOLD |
1.00% |
1.00% |
$10,000 - $24,999 |
| Money Market GOLD |
0.50% |
0.50% |
Below $10,000 |
| Health Savings |
2.96% |
3.00% |
$15,000 - above |
| Health Savings |
1.98% |
2.00% |
$5,000 - $14,999 |
| Health Savings |
1.00% |
1.00% |
$1,000 - $4,999 |
| Health Savings |
0.30% |
0.30% |
$0 - $999 |
| All Purpose Club (March Maturity)** |
0.25% |
0.25% |
$100 |
| All Purpose Club (May Maturity)** |
0.40% |
0.40% |
$100 |
| All Purpose Club (August Maturity)** |
0.50% |
0.50% |
$100 |
| All Purpose Club (October Maturity)** |
0.50% |
0.50% |
$100 | *APY means Annual Percentage Yield
**no longer offered
Fees may reduce earnings.
Rate may change after account is opened. |