|
|
CURRENT
RATES EFFECTIVE AS OF April 13 , 2004
|
|
Checking
& Savings Accounts
|
With Daily Balances
|
Minimum
Opening
Required
|
Minimum
Balance Required
|
Interest
Rate
|
APY*
|
Regular
Savings
|
0.01
and over
|
$50.00 |
$200.00
|
0.85%
|
0.86%
|
|
|
|
|
|
|
Variable
Savings
|
up
to $24,999.99
|
$25,000.00 |
$25,000.00
|
0.85%
|
0.86%
|
| |
$25,000.00
to $49,999.99
|
|
|
0.85%
|
0.86%
|
| |
$50,000.00
to $249,999.99 |
|
|
0.92%
|
0.93%
|
| |
$250,000.00
and over
|
|
|
1.42%
|
1.43%
|
|
|
|
|
|
|
|
NOW
Account
|
up
to $4,999.99
|
$1,000.00 |
$1,000.00
|
0.80%
|
0.81%
|
| |
$5,000.00
and over
|
|
|
0.90%
|
0.91%
|
|
|
|
|
|
|
| Money
Market |
up
to $2,499.99
|
$2,500.00 |
$2,500.00
|
1.30%
|
1.31%
|
| |
$2,500.00
to $24,999.99
|
|
|
1.50%
|
1.51%
|
| |
$25,000.00
and over
|
|
|
1.70%
|
1.71%
|
*The Annual Percentage Yield and Rates may change after the account is opened.
Fees could reduce the earnings on the account.
For International Accounts (foreign customers) please contact our Private Banking Services Division at (305) 375-8442.
 BACK
TO TOP
| CERTIFICATES
OF DEPOSIT Minimum amount $2,000 |
|
TERM
|
INTEREST RATE
|
APY*
|
| 1
to 3 Months |
1.20% |
1.20% |
| 4
to 6 Months |
1.30% |
1.30% |
| 12
months |
1.50% |
1.50% |
| 2
to 4 Years |
1.70% |
1.70% |
| 5
Years |
2.90% |
2.90% |
BACK
TO TOP
| IRAs
Minimum amount $500.00 |
|
TERM
|
INTEREST
RATE
|
APY*
|
| 12
Months |
1.50% |
1.50% |
| 18
Months |
1.60% |
1.60% |
| 5
Years |
2.90% |
2.90% |
*Annual Percentage Yield based on simple interest. CDs over 12 months require yearly interest payments.
May be subject to penalties for early withdrawals.
BACK
TO TOP
| OTHER
RATES |
| 3M
T-Bill |
0.915% |
ICB
Prime Rate |
4.000% |
| 6M
T-Bill |
1.025% |
3M
Libor |
1.140% |
| 1Y
T-Bill 4/09/04 |
1.320% |
6M
Libor |
1.260% |
| 3Y
T-Bill
4/09/04 |
2.370% |
1Y
Libor |
1.570% |
| 5Y
T-Bill 4/09/04 |
3.210% |
Avg.
FF Rate |
1.010% |
This is an indication only, the interest rates are accurate as of the effective date stated above, and are subject to change without prior notice.
BACK
TO TOP
| AUTO
LOANS RATES |
| |
|
|
| **
PROMOTIONAL RATE .25 less than stated rate |
|
|
| *Annual
Percentage Rate based on a $10,000.00 loan with
a term of 60 months; monthly payment $200.89. 10%
down, amount financed does not include tax, title and tag. |
| **Available
only with automatic debit to an Intercredit Bank, N.A. deposit account. |
|
| |
36
Months |
48
Months |
60
Months |
| |
RATE
|
APR*
|
RATE
|
APR*
|
RATE
|
APR*
|
| NEW |
|
5.25% |
5.595% |
5.50% |
5.784% |
5.75% |
6.000% |
| USED |
2004 |
6.25% |
6.255% |
6.50% |
6.504% |
6.75% |
6.754% |
|
2003 |
7.00% |
7.005% |
7.25% |
7.255% |
7.50% |
7.505% |
|
2002 |
7.50% |
7.506% |
--- |
--- |
--- |
--- |
|
2001 |
7.75% |
7.756% |
--- |
--- |
--- |
--- |
|
2000 |
8.00% |
8.006% |
--- |
--- |
--- |
--- |
| NEW
CAR REFI .15% OVER STATED RATE.$100 loan fee |
|
|
|
|
*Annual Percentage Rate based on a $10,000.00 loan. New Cars 10% down. Used cars 20% down. Amount financed does not include tax, title and tag.
BACK
TO TOP
| UNSECURED LOANS |
|
AMOUNT
|
RATE
|
APR*
|
TERM
|
| Minimum
$2,500 |
16.50% |
17.936% |
24
months max. |
| (
+ $100.00 fee, *preferred customer rate 1%
discount with automatic debit to an ICB DDA account) |
| *Annual
Percentage Rate based on a $7,000.00 loan with
a 24 months term; monthly payment $350.51.
Loan fees included. |
BACK
TO TOP
| FIRST
MORTGAGE |
| Please
contact our Lending Division at (305) 375-8442. |
| SECOND
MORTGAGE |
|
5
YEARS
|
7.00%
|
10YEARS
|
7.75%
|
|
|
EQUITY
LINE
|
|
Please contact our Lending Division at (305) 375-8442. |
| The interest
rates are accurate as of the effective date stated above, and are
subject to change without notice. All loans subject to credit approval. |
BACK
TO TOP
|
