American Federal Savings Bank
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Interest Rates


DEPOSIT ACCOUNTS1

Rates Effective 4/16/14 - 5/06/14

Type of AccountMinimum Deposit To OpenInterest RateAnnual Percentage Yield (APY)
Statement Savings $100.00 0.05 0.05 
Health Savings Account (HSA) $100.00 0.10 0.10 
Interest, Golden Eagle and Golden Eagle Plus $100.00   
$0 - $4,999.99  0.02 0.02 
$5,000.00 - $9,999.99  0.02 0.02 
$10,000.00 - $19,999.99  0.02 0.02 
$20,000.00 - $49,999.99  0.04 0.04 
$50,000.00 - $99,000.00  0.04 0.04 
$100,000.00 +  0.05 0.05 

 

MONEY MARKET SAVINGS1 (Statement Account)

Rates Effective 4/16/14 - 5/06/14

Type of AccountMinimum Deposit To OpenInterest RateAnnual Percentage Yield (APY)
Premier Money Market Savings $1,000.00   
If your account balance is:    
$0 - $999.99  0.04 0.04 
$1,000.00 - $9,999.99  0.04 0.04 
$10,000.00 - $19,999.99  0.04 0.04 
$20,000.00 - $39,999.99  0.06 0.06 
$40,000.00 - $79,999.99  0.09 0.09 
$80,000.00+  0.11 0.11 
American Eagle Money Market Account $20,000.00   
If your account balance is:    
$0 - $19,999.99  0.06 0.06 
$20,000.00 - $39,999.99  0.09 0.09 
$40,000.00 - $79,999.99  0.10 0.10 
$80,000.00 - $199,999.99  0.14 0.14 
$200,000.00 - $299,999.99  0.19 0.19 
$300,000.00 - $499,999.99  0.19 0.19 
$500,000.00+  0.24 0.24 

1Interest rates and Annual Percentage Yield (APY) may change after account opening.

 

INDIVIDUAL RETIREMENT ACCOUNTS *

Rates Effective 4/16/14 - 5/06/14

Type of AccountMinimum Deposit To OpenInterest RateAnnual Percentage Yield (APY)Effective Dates
Traditional IRA     
18 Month/Variable Rate $50.00 1.00 1.00 thru 6/30/2014 
ROTH/Traditional IRA $50.00    
1 Year Fixed Rate     
If your account balance is:     
$50.00 - $19,999.99  0.30 0.30  
$20,000.00 - $39,999.99  0.35 0.35  
$40,000.00+  0.40 0.40  

 

"READY WHEN YOU ARE" SAVINGS CERTIFICATES *

Rates Effective 4/16/14 - 5/06/14

TERMMinimum Deposit/ BalanceInterest RateAnnual Percentage Yield (APY)Premium Rate $20,000.00 +Annual Percentage Yield (APY)
3 Months up to 6 Months $1,000.00 0.10 0.10 0.15 0.15 
6 Months up to 1 Year $1,000.00 0.15 0.15 0.20 0.20 
1 Year up to 2 Years $1,000.00 0.25 0.25 0.30 0.30 
2 Years up to 3 Years $1,000.00 0.45 0.45 0.50 0.50 
3 Years up to 4 Years $1,000.00 0.80 0.80 0.85 0.85 
4 Years up to 5 Years $1,000.00 1.00 1.00 1.04 1.05 
5 Years up to 6 Years $1,000.00 1.34 1.35 1.39 1.40 

 

CERTIFICATE SPECIALS *

Rates Effective 4/16/14 - 5/06/14

Type of AccountMinimum Deposit To OpenInterest RateAnnual Percentage Yield (APY)
27 Months $1,000.00 0.70 0.70 

Contact a customer service representative for further information at 1-406-442-3080. Fees could reduce the earnings on the account. Interest compounded daily on every account dollar, including the minimum balance requirement.

* A substantial penalty is assessed on funds withdrawn prior to maturity on time deposit accounts.

 

MORTGAGE RATES

Rates Effective 4/22/2014

Type of Loan30 YearAnnual Percentage Rate (APR)15 YearAnnual Percentage Rate (APR)
Conventional 4.5 4.619 3.375 3.577 
FHA 3.875 5.038 3.5 4.385 

American Federal has many loan programs and very competitive rates that change frequently. Please call any of our locations for an updated rate quote that will fit your particular loan needs.

Down payment information: Typically, for "conventional" and "bi-weekly" 15 or 30 year loans require a 20% minimum down payment. However, with private mortgage insurance the percentage of down payment can be significantly reduced. The down payment for a 15 year or 30 year FHA loan is a minimum 3.5%.

Payment period: The 30 year conventional and FHA loans includes 360 monthly payments. The 15 year conventional and FHA loans includes 180 monthly payments. The 15 year bi-weekly loan includes approximately 338 payments every two weeks. The 30 year bi-weekly loan includes approximately 598 payments every two weeks.

 

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