Rates

Review this page for our latest rates paid on money markets, interest checking and CD's.

Our mortgage rates are featured on the bottom half of this page with information on fixed rate and adjustable rate mortgages as well as our home equity rates.

Deposit Rates

Effective December 5, 2018 - December 11, 2018

 

Prime Pick Money Market Account ⁴

 

Performance Checking ^1,2

 

Select Checking ^1,2

Elite Checking ^1,2

Certificates of Deposit ³

 

Savings Account ^1,2

_{APY = Annual Percentage Yield
¹ The interest rate may change after the account is opened.
² Fees may reduce earning on account.
³ You may have to pay a penalty for early withdrawal.
⁴ Brokered deposits and public funds not accepted. The margins and tiers, as detailed above, are accurate as of the date your account is opened, after which time the margins and tiers may change at the bank's discretion. Fees could reduce earnings.}

 

Mortgage Rates

 

Fixed Rate Mortgages

Term/Type	Rate	Points	APR
30 Year Fixed	4.875%	0.00pts	4.875%
30 Year Fixed	4.750%	0.50pts	4.793%
30 Year Fixed	4.625%	1.00pts	4.712%
20 Year Fixed	4.625%	0.00pts	4.625%
20 Year Fixed	4.500%	0.50pts	4.559%
20 Year Fixed	4.375%	1.00pts	4.493%
15 Year Fixed	4.375%	0.00pts	4.375%
15 Year Fixed	4.250%	0.50pts	4.325%
15 Year Fixed	4.125%	1.00pts	4.274%

 

Adjustable Rate Mortgage ¹

Type	Rate	APR	Maximum Term
5/1 Year ARM	5.50%	5.52%	30 Years

_{¹ The APR and payment are subject to increase after closing. Rates caps are 2% Year/ 6% Life. Max LTV is 80%}

 

Second Mortgage & Home Equity Rates

Effective through 11:00 AM December 10, 2018. 
Rates subject to change daily.

 

Second Mortgages ¹ 
Owner occupied properties only

Type	Max Term	APR (%)
1 Year Adjustable Rate	10 Years	6.000%
3 year Adjustable Rate	10 Years	6.375%

 

Home Equity Credit lines
Owner occupied properties only

5 Year - Fixed Rate2	5 Years	5.25%
PrimeTime Home Equity LOC2,3	10 Years	5.00%

 

_{¹APR and payment subject to increase after closing.}

_{² Home Equity Credit Lines require a $100 documentation fee for CNB mortgage customers, which will be waived if the credit line is opened at the time of a 1st mortgage closing. Non-CNB mortgage customers are required to pay $225 documentation fee. Offer subject to normal credit approval. A balloon payment may result at the end of the term. The annual maintenance fee is waived for the first year. Thereafter the annual maintenance fee will be $50. A Prepayment Penalty up to $250 will be assessed if the loan is paid in full and closed during years 1 and 2. There must be a $5,000 minimum available credit to open the account. The maximum APR is 17.5%. The minimum APR that can apply during the line of credit is 5%. Consult tax advisor regarding deductibility of interest. Property insurance is required. Maximum LTV is 80%.}

 _{³ The interest rate and APR is based on an index plus a margin. The index used is the prime rate as published in the Wall Street Journal. The interest rate may vary daily based upon changes in the prime rate.}

 _{APR = Annual Percentage Rate.}