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 | 4.41% | 4.50% | Yes | 20 | January 10, 2024 |
1 Year CD & IRA Special | $500 | $500 | 3.93% | 4.00% | Yes | 30 | January 10, 2024 |
2 Year CD & IRA Special | $500 | $500 | 3.69% | 3.75% | Yes | 40 | January 10, 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 | February 10, 2024 |
1.5 Year CD & IRA | $500 | $500 | 0.30% | 0.30% | No | 70 | September 12, 2022 |
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 | February 10, 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 | January 4, 2024 |
Health Savings Account* | $25 | $5,000 - $9,999 | 0.50% | 0.50% | 150 | October 26, 2022 |
Health Savings Account* | $25 | $10,000 & over | 0.75% | 0.75% | 160 | 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
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 | October 20, 2022 |
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 | February 10, 2024 |
Choice Connect* | $25.00 | $500 - $2,499 | 0.25% | 0.25% | 40 | January 4, 2024 |
Choice Connect* | $25.00 | $2,500 - $4,999 | 0.35% | 0.35% | 50 | October 20, 2022 |
Choice Connect* | $25.00 | $5,000 - $14,999.99 | 0.40% | 0.40% | 60 | September 26, 2023 |
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 | February 10, 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%.
Auto Loans
Rates are effective as of
Loan | Term | Payments | Type | Rate | Monthly Payment* | Points | APR^ | Website Order | Last Modified |
---|---|---|---|---|---|---|---|---|---|
2021 and newer | 7 Yr | 84 | Fixed | 7.500% | $15.34 | 0 | 7.766% | 10 | October 24, 2023 |
2020 and newer | 6 Yr | 72 | Fixed | 7.375% | $17.23 | 0 | 7.680% | 20 | October 24, 2023 |
2018 and newer | 5 Yr | 60 | Fixed | 6.500% | $19.57 | 0 | 6.857% | 30 | October 24, 2023 |
2016 and newer | 4 Yr | 48 | Fixed | 6.625% | $23.77 | 0 | 7.065% | 40 | October 24, 2023 |
2015 and older | 3 Yr | 36 | Fixed | 7.500% | $31.11 | 0 | 8.079% | 50 | February 10, 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.
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 | Last Modified |
---|---|---|---|---|---|---|---|---|---|
Used - Maximum Age: 6 Model Years | 5 Yr | Fixed | $35,000 | 9.250% | 9.354% | 0 | $730.80 | 60 | February 15, 2024 |
Used - Maximum Age: 5 Model Years | 4 Yr | Fixed | $25,000 | 8.500% | 8.678% | 0 | $616.21 | 48 | February 15, 2024 |
Used - Maximum Age: 4 Model Years | 3 Yr | Fixed | $10,000 | 7.500% | 8.079% | 0 | $311.06 | 36 | February 15, 2024 |
Used - Maximum Age: 3 Model Years | 2 Yr | Fixed | $5,000 | 8.000% | 9.706% | 0 | $226.14 | 24 | February 15, 2024 |
New | 6 Yr | Fixed | $35,000 | 8.750% | 8.838% | 0 | $626.56 | 72 | February 15, 2024 |
New | 5 Yr | Fixed | $25,000 | 8.000% | 8.144% | 0 | $506.91 | 60 | February 15, 2024 |
New | 4 Yr | Fixed | $10,000 | 7.125% | 7.567% | 0 | $240.04 | 48 | February 15, 2024 |
New | 3 Yr | Fixed | $5,000 | 7.250% | 8.414% | 0 | $154.96 | 36 | February 15, 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 | 9.250% | 9.354% | 0 | $730.80 | 60 | February 15, 2024 |
Used - Maximum Age: 5 Model Years | 4 Yr | Fixed | $25,000 | 8.500% | 8.678% | 0 | $616.21 | 48 | February 15, 2024 |
Used - Maximum Age: 4 Model Years | 3 Yr | Fixed | $10,000 | 7.500% | 8.079% | 0 | $311.06 | 36 | February 15, 2024 |
Used - Maximum Age: 3 Model Years | 2 Yr | Fixed | $5,000 | 8.000% | 9.706% | 0 | $226.14 | 24 | February 15, 2024 |
New | 6 Yr | Fixed | $35,000 | 8.750% | 8.838% | 0 | $626.56 | 72 | February 15, 2024 |
New | 5 Yr | Fixed | $25,000 | 8.000% | 8.144% | 0 | $506.91 | 60 | February 15, 2024 |
New | 4 Yr | Fixed | $10,000 | 7.125% | 7.567% | 0 | $240.04 | 48 | February 15, 2024 |
New | 3 Yr | Fixed | $5,000 | 7.250% | 8.414% | 0 | $154.96 | 36 | February 15, 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
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 | 7.250% | $7.90 | 0 | 7.451% | 10 | February 10, 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.
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 | 7.375% | $19.77 | 7.377% | February 9, 2024 |
Home Equity Loan | 10 Yr | 20 | Fixed | 7.500% | $11.87 | 7.501% | February 9, 2024 |
Home Equity Loan | 15 Yr | 30 | Fixed | 7.625% | $9.34 | 7.626% | February 9, 2024 |
Home Equity Line of Credit** | Open Ended | 40 | Adj. | 8.250% | $5.00 | 8.250% | January 10, 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.
Construction Loans
Rates are effective as of
Loan Type | Term | Type | Rate | Monthly Payment* | Points | APR^ | Last Modified |
---|---|---|---|---|---|---|---|
Construction Mobile Home | 31 Year | Fixed | 8.375% | $7.60 | 0 | 9.421% | February 9, 2024 |
Construction Only | 1 Year | Fixed | 8.375% | $3.49 | 0 | 20.417% | January 10, 2024 |
Construction to Permanent | 31 Year | Fixed | 7.625% | $7.08 | 0 | 8.603% | February 9, 2024 |
Construction to Permanent | 21 Year | Fixed | 7.500% | $8.06 | 0 | 8.736% | February 9, 2024 |
Construction to Permanent | 16 Year | Fixed | 7.375% | $9.20 | 0 | 8.885% | February 9, 2024 |
January 1, 1970 |
* Per $1000 borrowed
^ Annual Percentage Rate
MORTGAGE + LAND LOANS
Rates are effective as of
Monthly Pmt* | Loan | Term | Type | Rate | Number of Pmts | Points# | APR^ | Website Order | Last Modified |
---|---|---|---|---|---|---|---|---|---|
$8.44 | First Mortgage - Secondary Mkt | 15 Yr | Fixed | 6.000% | 180 | 0 | 6.240% | 10 | February 9, 2024 |
$7.24 | First Mortgage - Secondary Mkt | 20 Yr | Fixed | 6.125% | 240 | 0 | 6.317% | 20 | February 9, 2024 |
$6.16 | First Mortgage - Secondary Mkt | 30 Yr | Fixed | 6.250% | 360 | 0 | 6.396% | 30 | February 9, 2024 |
$9.13 | First Mortgage - Portfolio | 15 Yr | Fixed | 7.250% | 180 | 0 | 7.499% | 40 | February 9, 2024 |
$7.98 | First Mortgage - Portfolio | 20 Yr | Fixed | 7.375% | 240 | 0 | 7.577% | 50 | February 9, 2024 |
$6.99 | First Mortgage - Portfolio | 30 Yr | Fixed | 7.500% | 360 | 0 | 7.657% | 60 | February 9, 2024 |
$9.34 | Land Loan Only | 15 Yr | Fixed | 7.625% | 180 | 1 | 8.045% | 70 | December 7, 2023 |
* 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