Minimize
| |
Less than $500 |
$500 to $999.99 |
$1,000 to $9,999.99 |
$10,000 and up |
|
n/a |
n/a |
0.10 |
0.10 |
n/a |
n/a |
0.25 |
0.25 |
|
n/a |
n/a |
0.10 |
0.10 |
n/a |
n/a |
0.25 |
0.25 |
|
n/a |
n/a |
0.10 |
0.10 |
0.99 |
1.00 |
1.88 |
1.9 |
|
n/a |
n/a |
n/a |
n/a |
0.10 |
0.10 |
0.25 |
0.25 |
| Money Market Rates |
Minimize
| | | | | |
| $1,000 to
$9,999.99 |
$10,000 to
$24,999.99 |
$25,000 to
$39,999.99 |
$40,000
and up |
|
.99 |
1.00 |
1.88 |
1.9 |
1.98 |
2.00 |
n/a |
n/a |
|
0.99 |
1.00 |
1.88 |
1.9 |
1.98 |
2.00 |
2.37 |
2.40 |
|
|
|
|
|
|
|
|
|
| Premium Money Market over $100,000 |
|
2.52 |
2.55 |
n/a |
n/a |
n/a |
n/a |
n/a |
n/a |
* APY = Annual Percentage Yield
| Savings Accounts |
Minimize
| | | | | | |
Deposits less than $500 |
$500 to $999.99 |
$1,000 to $9,999.99 |
$10,000 and up |
|
0.50 |
0.50 |
0.50 |
0.50 |
0.50 |
0.50 |
0.50 |
0.50 |
|
0.50 |
0.50 |
0.50 |
0.50 |
0.50 |
0.50 |
0.50 |
0.50 |
*APY = Annual Percentage Yield
| Special Rate Certificate of Deposit |
Minimize
|
3.20 |
3.20 |
|
2.96 |
3.00 |
|
3.11 |
3.15 |
|
3.21 |
3.25 |
CD Specials have a minimum balance of $10,000
and a maximum balance of $250,000.
*APY=Annual Percentage Yield |
| Fixed Rate Certificates of Deposit |
Minimize
|
| $1,000 to
$9,999.99 |
$10,000 to
$49,999.99 |
$50,000 to
$99,999.99 |
$100,000
and Up |
|
1.98 |
2.00 |
2.08 |
2.10 |
2.18 |
2.20 |
2.62 |
2.65 |
|
2.42 |
2.45 |
2.48 |
2.50 |
2.58 |
2.60 |
2.68 |
2.70 |
|
2.48 |
2.50 |
2.58 |
2.60 |
2.68 |
2.70 |
2.78 |
2.80 |
|
2.55 |
2.55 |
2.65 |
2.65 |
2.75 |
2.75 |
2.85 |
2.85 |
|
2.57 |
2.60 |
2.67 |
2.70 |
2.77 |
2.80 |
2.87 |
2.90 |
|
2.62 |
2.65 |
2.72 |
2.75 |
2.82 |
2.85 |
2.92 |
2.95 |
|
2.72 |
2.75 |
2.82 |
2.85 |
2.92 |
2.95 |
3.02 |
3.05 |
|
2.82 |
2.85 |
2.92 |
2.95 |
3.02 |
3.05 |
3.11 |
3.15 |
|
3.02 |
3.05 |
3.11 |
3.15 |
3.21 |
3.25 |
3.31 |
3.35 |
|
3.21 |
3.25 |
3.31 |
3.35 |
3.41 |
3.45 |
3.50 |
3.55 |
|
3.31 |
3.35 |
3.41 |
3.45 |
3.50 |
3.55 |
3.60 |
3.65 |
*APY = Annual Percentage Yield
Minimum balance to open account is $1,000. The APY assumes reinvestment of principal and interest at the same rate for one year. A penalty may be imposed for early withdrawals.
| Prime Rate Certificates of Deposit |
Minimize
|
1.75 |
1.76 |
|
2.00 |
2.02 |
|
2.25 |
2.27 |
* APY = Annual Percentage Yield
Minimum balance to open account is $500. Rate will be a percentage of prime rate as published by the Wall Street Journal. One year term will be prime minus 3.25%, two year term will be prime minus 3.00% and three year term will be prime minus 2.75%. |
| Individual Retirement Accounts (IRA) |
Minimize
Certificate of Deposit rates OR Prime Rate
Certificate of Deposit rates may be used to create an IRA Account.
*APY = Annual Percentage Yiled |
| Vehicle Loan Rates |
Minimize
|
6.35% |
|
6.35% |
|
6.35% |
|
6.50% |
|
8.50% |
|
7.15% |
|
6.95% |
|
8.50% |
|
7.15% |
|
6.95% |
* APR = Annual Percentage Rate
Subject to credit approval. Payment example: at 6% APR, payments of $19.36 per $1,000 borrowed. Maximum term of 72-months for new vehicles with a loan amount up to 100% FMV. Maximum term of 60-months for used vehicles with a loan amount up to 100% FMV. |
| Home Equity Rates |
Minimize
* APR = Annual Percentage Rate
Subject to credit approval. APR is fixed for the term of the loan. Payment example: At 6% monthly payments of $19.36 per $1,000 borrowed. Interest may be tax-deductible, but please consult your tax advisor. |
| Personal Loans |
Minimize
* APR = Annual Percentage Rate
Subject to credit approval. The payments will be higher if the account is approved with a higher APR. APR increases the payment amount. Additional advances may lengthen the term.
Payment example: At 6% monthly payments of $19.36 per $1,000 borrowed. |
| Redi Reserv |
Minimize
* APR = Annual Percentage Rate
Subject to credit approval. Payment example: At 18% payments of $50.73 per $1,000 borrowed. The minimum monthly payment is 5% of the outstanding balance or $20, whichever is greater.
* Premium Checking Accounts only. Subject to credit approval. Payment example: At 10.25% payments of $50.42 per $1,000 borrowed. The minimum monthly payment is 5% of the outstanding balance or $20, whichever is greater. |
| Home Equity Line of Credit |
Minimize
* APR = Annual Percentage Rate
Subject to credit approval. Repayment Term: 60 months draw & repay. Property Insurance is required and flood insurance may be required. Loan rates are based upon The Wall Street Journal prime rate and become effective the first business day after statement cut-off. Maximum APR is 18%. Interest may be tax-deductible, but please consult your tax advisor. |
| Secured Loans - Fixed Rate |
Minimize
* APR = Annual Percentage Rate
Subject to credit approval. No pre-payment penalties, no annual fee or closing cost. The payments will be higher if the account is approved with a higher APR. APR increases the payment amount. Additional advances may lengthen the term.
Payment example: At 6% monthly payments of $19.36 per $1,000 borrowed. |
| Secured Loans - Floating Rate |
Minimize
* APR = Annual Percentage Rate
Subject to credit approval. No pre-payment penalties, no annual fee or closing cost. The payments will be higher if the account is approved with a higher APR. APR increases the payment amount. Additional advances may lengthen the term.
Payment example: At 6% monthly payments of $19.36 per $1,000 borrowed. |
| Mortgage Rates |
Minimize
* APR = Annual Percentage Rate.
Rates vary daily and are subject to change without notice.
Rates and APR are based on a $150,000 loan amount with a 20% down payment. The monthly payment amount reflects principal and interest. Actual payment will be higher if an escrow or impound account is established or required. Property must be a single-family dwelling and occupied as owner's primary residence. Available on purchase-money and "no-cash-out" refinance transactions only. Details regarding estimated closing costs will be provided upon receipt of a completed application package. Some restrictions apply. Terms and conditions subject to change without notice. Property and title insurance is required. Flood insurance may be required.
The APR, fees, and closing costs are all estimates based on Bank of Travelers Rest normal and customary fees and typical tax and insurance costs in the stated property's vicinity.
All loans are subject to credit approval, verification, and collateral evaluation. Initial decision is subject to you meeting specific underwriting requirements and final approval will be based upon you satisfying those requirements.
For information on 100% First Time Homebuyers’ Rates, Jumbo Rates and Manufactured Home Rates, or to speak with a mortgage loan officer call 864-834-9031 or toll free 888-557-2265, Monday through Friday, 8:00 AM to 5:00 PM.
|
Member FDIC | Equal Housing Lender
42 Plaza Drive, Travelers Rest, SC 29690
(888) 557-2265
| | | |
