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Mortgage Rates*
*Please contact a Mortgage Loan Officer for Citizens First Current Mortgage Rates
Click here to locate a Mortage Loan Officer near you
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Type
|
Rate
|
APR*
|
|
30–YEAR FIXED
|
CALL
|
CALL
|
|
15–YEAR FIXED
|
CALL
|
CALL
|
| 40-YEAR FIXED |
CALL
|
CALL
|
|
FHA/VA 30–YEAR FIXED
|
CALL
|
CALL
|
|
RURAL HOUSING 30–YEAR FIXED
|
CALL
|
CALL
|
| KENTUCY HOUSING |
CALL
|
CALL
|
|
JUMBO30–YEARFIXED(>$417,000)
|
CALL
|
CALL
|
|
JUMBO15–YEARFIXED(>$417,000)
|
CALL
|
CALL
|
| |
|
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| 100% PURCHASE PROGRAMS |
CALL
|
CALL
|
| FIRST TIME HOMEBUYER |
CALL
|
CALL
|
| SLOW CREDIT |
CALL
|
CALL
|
| |
|
*Annual Percentage Rate based upon $100,000 loan amount with 80% LTV and typical closing costs. Jumbo category based upon $418,000 loan amount with 80% LTV and typical closing costs. Example: 30–year fixed program will result in a monthly P&I of $591.54. Other loan programs may result in a different monthly P&I. Rates/APR subject to change at anytime without notice and applicants must qualify.
|
Personal and Business Rates
| Account Product |
|
Minimum
Opening
Deposit
|
Minimum
Balance to
Obtain APY**
|
Rate*
|
APY**
|
| Citizens First Club b |
|
$100
|
$1,000.00c
|
|
|
| Daily Balances of: |
|
|
|
|
|
|
$1,000 - 999,999,999
|
|
|
|
0.05%
|
0.05%
|
| Citizens First Senior Club b |
|
$100
|
$1,000.00c
|
|
|
| Daily Balances of: |
|
|
|
|
|
|
$1,000 - 999,999,999
|
|
|
|
0.05% |
0.05% |
| Plus Checking b |
|
$100
|
$1,000.00c
|
|
|
| Daily Balances of: |
|
|
|
|
|
|
$1,000 - up
|
|
|
|
0.10%
|
0.10%
|
| Golden Wheat Checking b |
|
$100
|
$500.00c
|
|
|
| Daily Balances of: |
|
|
|
|
|
|
$500 - up
|
|
|
|
0.15%
|
0.15%
|
| Elite Choice Checking b |
|
$100
|
$5,000.00c
|
|
|
| Daily Balances of: |
|
|
|
|
|
|
$5,000 - 49,999
|
|
|
|
0.15%
|
0.15%
|
|
$50,000 - 99,999.99
|
|
|
|
0.25%
|
0.25%
|
|
$100,000 - up
|
|
|
|
0.50%
|
0.50%
|
| Platinum Plus Checking (NO NEW ACCOUNTS) b |
|
|
|
$100
|
|
0.15% |
0.15% |
| |
|
|
|
|
|
| Personal Money Market b |
|
$100
|
$2,500.00c
|
|
|
| Daily Balances of: |
|
|
|
|
|
|
$2,500 - 14,999
|
|
|
|
0.25%
|
0.25%
|
|
$15,000 - 49,999
|
|
|
|
0.25%
|
0.25%
|
|
$50,000 - 249,999
|
|
|
|
0.50%
|
0.50%
|
|
$250,000 - 9,999,999,999
|
|
|
|
0.65%
|
0.65%
|
| Primary Savings b |
|
$100
|
$200.00c
|
|
|
| Daily Balances of: |
|
|
|
|
|
|
$200 - up
|
|
|
|
0.15%
|
0.15%
|
| Primary One Savings b |
|
$100
|
$200.00c
|
|
|
| Daily Balances of: |
|
|
|
|
|
|
$200 - up
|
|
|
|
0.15%
|
0.15%
|
| Plus Savings b |
|
$100
|
$500.00c
|
|
|
| Daily Balances of: |
|
|
|
|
|
| $500 - 999.99 |
|
|
|
0.05%
|
0.05%
|
| $1,000 - 2,499.99 |
|
|
|
0.25%
|
0.25%
|
| $2,500 - up |
|
|
|
0.50%
|
0.50%
|
| |
|
|
|
|
|
| Christmas Club b |
|
|
|
0.25%
|
0.25%
|
| |
|
|
|
|
|
| Commercial Plus Checking b |
|
$100
|
$1,000.00c
|
|
|
| Daily Balances of: |
|
|
|
|
|
| $1,000 - up |
|
|
|
0.05%
|
0.05%
|
| |
|
|
|
|
|
| Commercial Interest Analysis b |
|
$100
|
$0.01c
|
0.15%
|
0.15%
|
| |
|
|
|
|
|
| Commercial Money Market b |
|
$100
|
$2,500.00c
|
|
|
| Daily Balances of: |
|
|
|
|
|
| $2,500 - 14,999.99 |
|
|
|
0.25%
|
0.25%
|
| $15,000 - 99,999.99 |
|
|
|
0.25%
|
0.25%
|
| $100,000 - 249,999.99 |
|
|
|
0.65%
|
0.65%
|
| $250,000 - up |
|
|
|
0.65%
|
0.65%
|
| |
|
|
|
|
|
| Health Savings Account (HSA) b |
|
|
|
0.05%
|
0.05%
|
b) The interest rate and annual percentage yield may change after account opening.
c) Daily Balance. The amount of principal in the account each day.
Fees could reduce the earnings on the account.
*Rates subject to change. **Annual Percentage Yields
Effective Date as of 9-28-11
Certificate of Deposit (CD) Rates
| Account Product |
Minimum Opening
Deposit
|
|
Rate*
|
APY**
|
| 1 Month CDa |
$5000.00
|
|
0.15% |
0.15%
|
| 3 Month CDa |
$500.00
|
|
0.25% |
0.25%
|
| 6 Month CDa |
$500.00
|
|
0.50% |
0.50%
|
| 12 Month CDa |
$500.00
|
|
0.75%
|
0.75%
|
| 15 Month CDa |
$500.00
|
|
1.05%
|
1.05%
|
| 18 Month CDa |
$500.00
|
|
0.75%
|
0.75%
|
| 24 Month CDa |
$500.00
|
|
1.10%
|
1.10%
|
| 36 Month CDa |
$500.00
|
|
1.25% |
1.25%
|
| 48 Month CDa |
$500.00
|
|
1.74% |
1.75%
|
| 60 Month CDa |
$500.00
|
|
1.99% |
2.00%
|
| 12 Month Prime Rate CDa,b |
$2,500.00
|
|
0.25% |
0.25%
|
| 18 Month Excel-R-Rate CDa,b |
$500.00
|
|
0.70%
|
0.70%
|
| 36 Month Excel-R-Rate CDa,b |
$500.00
|
|
1.20% |
1.20%
|
a) A Penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.
*Rates subject to change. **Annual Percentage Yields
All rates are for reference purposes only.
Effective Date as of 1-30-12
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