Rates
CD + IRA Rates
Rates are effective as of
Type of Account* | Min Deposit | Minimum Balance to Earn Annual Percentage Yield | Interest Rate | APY^ | Special? | Website Order | Last Modified |
---|---|---|---|---|---|---|---|
6 Month Penalty-Free CD + IRA | $500 | $500 | 4.02% | 4.10% | Yes | 0 | November 27, 2023 |
6 Month CD & IRA Special | $500 | $500 | 4.98% | 5.10% | Yes | 20 | July 1, 2024 |
1 Year CD & IRA Special | $500 | $500 | 4.79% | 4.90% | Yes | 30 | July 1, 2024 |
2 Year CD & IRA Special | $500 | $500 | 4.65% | 4.75% | Yes | 40 | July 1, 2024 |
6 Month CD & IRA | $500 | $500 | 0.20% | 0.20% | No | 50 | September 12, 2022 |
1 Year CD & IRA | $500 | $500 | 0.35% | 0.35% | No | 60 | May 13, 2024 |
1.5 Year CD & IRA | $500 | $500 | 0.30% | 0.30% | No | 70 | July 15, 2024 |
2 Year CD & IRA | $500 | $500 | 0.40% | 0.40% | No | 80 | January 4, 2024 |
2.5 Year CD & IRA | $500 | $500 | 0.45% | 0.45% | No | 85 | September 12, 2022 |
3 Year CD & IRA | $500 | $500 | 0.55% | 0.55% | No | 90 | January 26, 2021 |
4 Year CD & IRA | $500 | $500 | 0.65% | 0.65% | No | 100 | January 26, 2021 |
5 Year CD & IRA | $500 | $500 | 0.75% | 0.75% | No | 110 | January 26, 2021 |
IRA Money Market | $500 | $ 25- $24,999 | .10% | .10% | No | 120 | December 14, 2020 |
IRA Money Market | $500 | $25,000 - $49,000 | 0.15% | 0.15% | No | 130 | December 14, 2020 |
IRA Money Market | $500 | $50,000 - $99,999 | 0.25% | 0.25% | No | 140 | December 14, 2020 |
IRA Money Market | $500 | $100,000 - $199,999 | 0.30% | 0.30% | No | 150 | December 14, 2020 |
IRA Money Market | $500 | $200,000 & over | 0.35% | 0.35% | No | 160 | December 14, 2020 |
* A penalty will be imposed for early withdrawal
^Annual Percentage Yield, which assumes the interest will remain on deposit until maturity
Savings Rates
Rates are effective as of
Type of Account* | Minimum to Open | Minimum Balance to Earn Annual Percentage Yield | Interest Rate | APY^ | Website Order | Last Modified |
---|---|---|---|---|---|---|
Money Market* | $2,500 | $25,000 - $49,999 | 0.10% | 0.10% | 10 | October 1, 2021 |
Money Market* | $2,500 | $50,000 - $99,999 | 0.15% | 0.15% | 20 | October 1, 2021 |
Money Market* | $2,500 | $100,000 & over | 0.20% | 0.20% | 30 | October 1, 2021 |
Money Market Complete* | $2,500 | $25 - $24,999 | 0.10% | 0.10% | 40 | February 17, 2023 |
Money Market Complete* | $2,500 | $25,000 - $49,999 | 0.15% | 0.15% | 50 | February 17, 2023 |
Money Market Complete* | $2,500 | $50,000 - $99,999 | 0.25% | 0.25% | 60 | February 17, 2023 |
Money Market Complete* | $2,500 | $100,000 - $199,999 | 2.23% | 2.25% | 70 | October 2, 2023 |
Money Market Complete* | $2,500 | $200,000 & over | 2.23% | 2.25% | 80 | October 2, 2023 |
Money Market Complete* | $2,500 | $500,000 & over | 2.96% | 3.00% | 90 | October 2, 2023 |
Christmas Club | $1 | $1 - $5,200 | 0.40% | 0.40% | 90 | July 15, 2024 |
Christmas Club | $1 | $5,200.01 & over | 0% | 0% | 95 | October 20, 2022 |
Passbook/Statement Savings* | $25 | $25 - $2,499 | 0.05% | 0.05% | 100 | December 14, 2020 |
Passbook/Statement Savings* | $25 | $2,500 - $24,999 | 0.10% | 0.10% | 110 | December 14, 2020 |
Passbook/Statement Savings* | $25 | $25,000 - $149,999 | 0.10% | 0.10% | 120 | December 14, 2020 |
Passbook/Statement Savings* | $25 | $150,000 & over | 0.15% | 0.15% | 130 | December 14, 2020 |
Health Savings Account* | $25 | $25 - $4,999 | 0.35% | 0.35% | 140 | May 28, 2024 |
Health Savings Account* | $25 | $5,000 - $9,999 | 0.50% | 0.50% | 150 | March 21, 2024 |
Health Savings Account* | $25 | $10,000 & over | 0.75% | 0.75% | 160 | April 2, 2024 |
* This is a variable rate account. Rates may change after the account is opened. Rates are subject to change daily. Fees could reduce earnings.
^ Annual Percentage Yield
Checking Rates
Rates are effective as of
Type of Account | Minimum to Open | Minimum Balance to Earn Annual Percentage Yield | Interest Rate | APY^ | Website Order | Last Modified |
---|---|---|---|---|---|---|
Click Connect | $25.00 | N/A | N/A | N/A | 10 | May 9, 2024 |
Classic Connect* | $25.00 | N/A | N/A | N/A | 20 | October 20, 2022 |
Choice Connect* | $25.00 | $100 - $499 | 0.15% | 0.15% | 30 | July 1, 2024 |
Choice Connect* | $25.00 | $500 - $2,499 | 0.25% | 0.25% | 40 | April 2, 2024 |
Choice Connect* | $25.00 | $2,500 - $4,999 | 0.35% | 0.35% | 50 | July 15, 2024 |
Choice Connect* | $25.00 | $5,000 - $14,999.99 | 0.40% | 0.40% | 60 | April 20, 2024 |
Choice Connect* | $25.00 | $15,000 + | 0.50% | 0.50% | 70 | October 26, 2022 |
Non-Profit N.O.W. Checking* | $25.00 | $25 & Over | 0.10% | 0.10% | 80 | October 20, 2022 |
* This is a variable rate account. Rates may change after the account is opened. Rates are subject to change daily. Fees could reduce earnings.
^ Annual Percentage Yield
Personal Loans
Rates are effective as of
Loan+ | Description | Type | Rate | APR^ | Website Order | Last Modified |
---|---|---|---|---|---|---|
Personal | Unsecured | Fixed | 18.000% | 24.920% | 10 | July 15, 2024 |
^ Annual Percentage Rate
Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%.
+Each loan type is subject to credit approval
Auto Loans
Rates are effective as of
Loan+ | Term | Payments | Type | Rate | Monthly Payment* | Points | APR^ | Website Order | Last Modified |
---|---|---|---|---|---|---|---|---|---|
2022 and newer | 7 Yr | 84 | Fixed | 7.750% | $15.46 | 0 | 8.017% | 10 | May 9, 2024 |
2021 and newer | 6 Yr | 72 | Fixed | 7.625% | $17.35 | 0 | 7.931% | 20 | May 9, 2024 |
2019 and newer | 5 Yr | 60 | Fixed | 6.750% | $19.68 | 0 | 7.108% | 30 | May 9, 2024 |
2017 and newer | 4 Yr | 48 | Fixed | 6.875% | $23.89 | 0 | 7.316% | 40 | July 15, 2024 |
2016 and older | 3 Yr | 36 | Fixed | 7.750% | $31.22 | 0 | 8.330% | 50 | July 1, 2024 |
* Per $1000 borrowed
^ Annual Percentage Rate
Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%. Rates are subject to change without notice. Consult a tax advisor regarding the deductibility of interest.
+Each loan type is subject to credit approval
Mobile Home Loans
Rates are effective as of
Loan+ | Term | Type | Rate | Monthly Payment* | Points | APR^ | Website Order | Last Modified |
---|---|---|---|---|---|---|---|---|
Mobile Home | 20 Yr | Fixed | 8.375% | $8.60 | 0 | 8.585% | 10 | July 15, 2024 |
* Per $1000 borrowed
^ Annual Percentage Rate
Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%. The ‘Monthly payment per $1,000 borrowed’ figures quoted above do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Rates are subject to change without notice. Consult a tax advisor regarding the deductibility of interest.
+Each loan type is subject to credit approval
Home Equity Loans
Rates are effective as of
Loan+ | Term | Website Order | Type | Rate | Monthly Payment* | APR^ | Last Modified |
---|---|---|---|---|---|---|---|
Home Equity Loan | 5 Yr | 10 | Fixed | 6.875% | $19.74 | 6.877% | July 15, 2024 |
Home Equity Loan | 10 Yr | 20 | Fixed | 7.000% | $11.61 | 7.001 | May 28, 2024 |
Home Equity Loan | 15 Yr | 30 | Fixed | 7.125% | $9.06 | 7.126% | May 28, 2024 |
Home Equity Line of Credit** | Open Ended | 40 | Adj. | 8.250% | $5.00 | 8.250% | April 20, 2024 |
* Per $1000 borrowed
^ Annual Percentage Rate
**Home Equity Line of Credit: This is a variable rate loan, so the Annual Percentage Rate may vary. The maximum APR that can be imposed is 18%. Fees may be higher if appraisal is required. Rates are subject to change without notice. Consult a tax advisor regarding the deductibility of interest.
Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%.
Property insurance is required.
+Each loan type is subject to credit approval
Construction Loans
Rates are effective as of
Loan Type+ | Term | Type | Rate | Monthly Payment* | Points | APR^ | Last Modified |
---|---|---|---|---|---|---|---|
Construction Mobile Home | 31 Year | Fixed | 8.875% | $7.87 | 0 | 9.845% | July 1, 2024 |
Construction Only | 1 Year | Fixed | 8.750% | $3.65 | 0 | 20.833% | April 25, 2024 |
Construction to Permanent | 31 Year | Fixed | 7.750% | $7.16 | 0 | 8.743% | May 13, 2024 |
Construction to Permanent | 21 Year | Fixed | 7.625% | $8.13 | 0 | 8.877% | May 13, 2024 |
Construction to Permanent | 16 Year | Fixed | 7.500% | $9.27 | 0 | 9.028% | July 15, 2024 |
January 1, 1970 |
* Per $1000 borrowed
^ Annual Percentage Rate
Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%. The ‘Monthly payment per $1,000 borrowed’ figures quoted above do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
Rates are subject to change without notice
Consult a tax advisor regarding the deductibility of interest
+Each loan type is subject to credit approval
MORTGAGE + LAND LOANS
Rates are effective as of
Loan+ | Term | Type | Rate | Monthly Pmt* | Number of Pmts | Points# | APR^ | Website Order | Last Modified |
---|---|---|---|---|---|---|---|---|---|
First Mortgage - Secondary Mkt | 15 Yr | Fixed | 6.625% | $8.78 | 180 | 0 | 6.869% | 10 | July 1, 2024 |
First Mortgage - Secondary Mkt | 20 Yr | Fixed | 6.875% | $7.68 | 240 | 0 | 7.073% | 20 | May 13, 2024 |
First Mortgage - Secondary Mkt | 30 Yr | Fixed | 7.000% | $6.65 | 360 | 0 | 7.152% | 30 | July 15, 2024 |
First Mortgage - Portfolio | 15 Yr | Fixed | 6.750% | $8.85 | 180 | 0 | 6.995% | 40 | June 7, 2024 |
First Mortgage - Portfolio | 20 Yr | Fixed | 7.000% | $7.75 | 240 | 0 | 7.199% | 50 | May 13, 2024 |
First Mortgage - Portfolio | 30 Yr | Fixed | 7.250% | $6.82 | 360 | 0 | 7.405% | 60 | May 13, 2024 |
Land Loan Only | 15 Yr | Fixed | 8.125% | $9.63 | 180 | 1 | 8.551% | 70 | April 25, 2024 |
Investment Property 1-4 Family Secondary Market Eligible Only | 15 Yr | Fixed | 7.375% | $9.20 | 180 | 0 | 7.652% | 80 | April 25, 2024 |
Investment Property 1-4 Family Secondary Market Eligible Only | 20 Yr | Fixed | 7.500% | $8.06 | 240 | 0 | 7.703% | 90 | April 25, 2024 |
Investment Property 1-4 Family Secondary Market Eligible Only | 30 Yr | Fixed | 7.625% | $7.08 | 360 | 0 | 7.783% | 100 | April 25, 2024 |
* Per $1000 borrowed
^ Annual Percentage Rate
Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 1/4%. The ‘Monthly payment per $1,000 borrowed’ figures quoted above do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.
Rates are subject to change without notice
Consult a tax advisor regarding the deductibility of interest
+Each loan type is subject to credit approval
Recreational Vehicle Loans – ATV, Snowmobile, Tractor, Jet Ski
Rates are effective as of
Loan Type+ | Term | Type | Minimum Loan Amount | Rate** | APR^ | Minimum Down Payment | Monthly Payment Per Minimum Loan Amount* | Number of Payments | Website Order | Last Modified |
---|---|---|---|---|---|---|---|---|---|---|
New | 3 Yr | Fixed | $5,000 | 7.500% | 8.665% | 0 | $155.53 | 36 | 10 | July 1, 2024 |
New | 4 Yr | Fixed | $10,000 | 7.375% | 7.818% | 0 | $241.21 | 48 | 20 | May 9, 2024 |
New | 5 Yr | Fixed | $25,000 | 8.250% | 8.395% | 0 | $509.91 | 60 | 30 | July 15, 2024 |
New | 6 Yr | Fixed | $35,000 | 9.000% | 9.088% | 0 | $630.89 | 72 | 40 | May 9, 2024 |
Used - Maximum Age: 3 Model Years | 2 Yr | Fixed | $5,000 | 8.250% | 9.958% | 0 | $226.71 | 24 | 50 | May 28, 2024 |
Used - Maximum Age: 4 Model Years | 3 Yr | Fixed | $10,000 | 7.750% | 8.330% | 0 | $312.21 | 36 | 60 | May 9, 2024 |
Used - Maximum Age: 5 Model Years | 4 Yr | Fixed | $25,000 | 8.750% | 8.928% | 0 | $619.16 | 48 | 70 | May 9, 2024 |
Used - Maximum Age: 6 Model Years | 5 Yr | Fixed | $35,000 | 9.500% | 9.605% | 0 | $735.07 | 60 | 80 | May 9, 2024 |
^ Annual Percentage Rate
* Payment is calculated based on the minimum loan amount required per term
** Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 0.25%.
+ Each Loan Type is subject to credit approval
Recreational Vehicle Loans – Boats, RVs
Rates are effective as of
Loan Type+ | Term | Type | Minimum Loan Amount | Rate** | APR^ | Minimum Down Payment | Monthly Payment Per Minimum Loan Amount* | Number of Payments | Last Modified |
---|---|---|---|---|---|---|---|---|---|
Used - Maximum Age: 6 Model Years | 5 Yr | Fixed | $35,000 | 8.500% | 8.604% | 0 | $718.08 | 60 | May 9, 2024 |
Used - Maximum Age: 5 Model Years | 3 Yr | Fixed | $10,000 | 8.000% | 8.581% | 0 | $313.36 | 36 | May 9, 2024 |
Used - Maximum Age: 5 Model Years | 4 Yr | Fixed | $15,000 | 8.250% | 8.546% | 0 | $367.96 | 48 | May 9, 2024 |
Used - Maximum Age: 10 Model Years | 6 Yr | Fixed | $65,000 | 8.875% | 8.922% | 0 | $1,167.63 | 72 | May 28, 2024 |
New | 4 Yr | Fixed | $10,000 | 7.500% | 7.943% | 0 | $241.79 | 48 | May 9, 2024 |
New | 6 Yr | Fixed | $25,000 | 8.250% | 8.373% | 0 | $441.39 | 72 | May 9, 2024 |
New | 7 Yr | Fixed | $35,000 | 8.500% | 8.577% | 0 | $554.28 | 84 | May 9, 2024 |
New | 10 Yr | Fixed | $50,000 | 9.000% | 9.040% | 0 | $633.38 | 120 | May 9, 2024 |
New | 15 Yr | Fixed | $65,000 | 9.500% | 9.523% | 0 | $678.58 | 180 | July 15, 2024 |
New | 5 Yr | Fixed | $15,000 | 7.875% | 8.116% | 0 | $303.25 | 60 | July 1, 2024 |
^ Annual Percentage Rate
* Payment is calculated based on the minimum loan amount required per term
** Rates based on automatic payment withdrawal from an Auburn Savings deposit account. If automatic payment withdrawal is discontinued, the rate may increase by 0.25%.
+ Each Loan Type is subject to credit approval