Rates

Mortgage + Land Loans

Rates are effective as of 01/10/2019

Loan Term Type Rate Monthly Pmt* Number of Pmts Points APR^
First Mortgage - Portfolio 15 Yr Fixed 4.500% $7.65 180 0 4.575%
  20 Yr Fixed 4.750% $6.46 240 0 4.809%
  30 Yr Fixed 5.000% $5.37 360 0 5.044%
First Mortgage - Secondary Mkt 15 Yr Fixed 4.125% $7.46 180 0 4.199%
  20 Yr Fixed 4.375 $6.26 240 0 4.434%
  30 Yr Fixed 4.625% $5.14 360 0 4.668%
Land Loan Only 15 Yr Fixed 6.125% $8.51 180 1 6.283%

* 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

Home Equity Loans

Rates are effective as of 01/10/2019

Loan Term Type Rate Monthly Payment* APR^
Home Equity Loan 5 Yr Fixed 4.750% $18.76 4.750%
  10 Yr Fixed 4.875% $10.55 4.875%
  15 Yr Fixed 5.125% $7.97 5.125%
Home Equity Line of Credit** Open Ended Adj. 5.250% $5.25 5.250%

* 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.

Mobile Home Loans

Rates are effective as of 01/10/2019

Loan Term Type Rate Monthly Payment* Points APR^
Mobile Home 20 Yr Fixed 5.875% $7.09 0 5.937%

* 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.

Auto Loans

Rates are effective as of 01/10/2019

Loan Term Payments Type Rate Monthly Payment* Points APR^
2015 and newer 7 Yr 84 Fixed 4.990% $14.13 0 5.002%
2013 and newer 6 Yr 72 Fixed 4.490% $15.87 0 4.504%
2012 and newer 5 Yr 60 Fixed 4.240% $18.53 0 4.256%
2010 and newer 4 Yr 48 Fixed 3.990% $22.57 0 4.010%
2009 and newer 3 Yr 36 Fixed 3.875% $29.47 0 3.902%

* 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.

Personal Loans

Rates are effective as of 01/10/2019

Loan Description Type Rate APR^
Personal $1,000 & over Fixed 15.250% 15.577%
  under $1,000 Fixed 19.000% 26.965%

^ 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%.

Checking Rates

Rates are effective as of 01/10/2019

Type of Account Minimum to Open Minimum Balance to Earn Annual Percentage Yield Interest Rate APY^
Click Connect $25 n/a n/a n/a
Classic Connect* $25 $100 & Over 0.05% 0.05%
Complete Connect* $25 $25-$24,999 0.10% 0.10%
$25,000-$99,999 0.15% 0.15%
$100,000 & Over 0.20% 0.20%
Non-Profit N.O.W. Checking* $25 $25 & Over 0.10% 0.10%

* 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

Savings Rates

Rates are effective as of 01/10/2019

Type of Account* Minimum to Open Minimum Balance to Earn Annual Percentage Yield Interest Rate APY^
Money Market* $2,500 $25-$49,999 0.10% 0.10%
$50,000-$99,999 0.15% 0.15%
$100,000 & over 0.20% 0.20%
Money Market Complete* $2,500 $25-$24,999 0.10% 0.10%
$25,000-$49,999 0.15% 0.15%
$50,000-$99,999 0.25% 0.25%
$100,000-$199,999 0.30% 0.30%
$200,000 & over 0.35% 0.35%
Christmas Club $1 $1 1.00% 1.00%
Passbook/Statement Savings* $25 $25-$2,499 0.05% 0.05%
$2,500-$24,999 0.10% 0.10%
$25,000-$149,999 0.10% 0.10%
$150,000 & over 0.15% 0.15%
Health Savings Account* $25 $25-$4,999 0.35% 0.35%
$5,000-$9,999 0.35% 0.35%
$10,000 & over 0.35% 0.35%

* 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

CD + IRA Rates

Rates are effective as of 01/10/2019

Type of Account* Minimum to Open Minimum Balance to Earn Annual Percentage Yield Interest Rate APY^

6 Month CD & IRA		 $500 $500 1.74% 1.75%

1 Year CD & IRA		 $500 $500 1.93% 1.95%

2 Year CD & IRA		 $500 $500 2.47% 2.50%

30 Month Advantage CD & IRA		 $500 $500 2.72% 2.75%
3 Month CD $500 $500 0.10% 0.10%
6 Month CD & IRA $500 $500 0.10% 0.10%
9 Month CD $500 $500 0.15% 0.15%
1 Year CD & IRA $500 $500 0.25% 0.25%
1.5 Year CD & IRA $500 $500 0.30% 0.30%
2 Year CD & IRA $500 $500 0.40% 0.40%
2.5 Year CD & IRA $500 $500 0.55% 0.55%
3 Year CD & IRA $500 $500 0.65% 0.65%
4 Year CD & IRA $500 $500 0.75% 0.75%
5 Year CD & IRA $500 $500 1.34% 1.35%

* A penalty will be imposed for early withdrawal
**This offer applies only to new money not already on deposit at Auburn Savings
^Annual Percentage Yield, which assumes the interest will remain on deposit until maturity