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Mortgage Rates

FHA 30 Yr. Fixed Points Payment
4.500% 4.900% APR* -0.085pts $931
VA 30 Yr. Fixed  
4.625% 4.880% APR* -0.251 pts $833
Conventional 30 Yr. Fixed  
5.125% 5.352% APR* -0.452 pts $871
Conventional 15 Yr. Fixed  
4.375% 4.901% APR * -0.052 pts $1,214
       
*APR  = Annual Percentage Rate - this is the cost of credit over the term as the loan expressed as an annual rate. The APR shown here is based on the interest rates and points, it does not include other loan specific finance charges that you may be charged.
*All stated rates are effective as of  11/27/2018 and are based on a home purchase transaction of $200,000, a minimum down payment of $40,000, a loan amount of $160,000 and repayment term as stated. Payments are estimated on a monthly basis and include principal and interest only. They do not include taxes and insurance which make the actual total payment obligation greater. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors.  30 year term= 360 months and applies to 30 year conventional, FHA, and VA loans.  15 year term = 180 months and applies to 15 year conventional loans. All loan programs, rates terms, and conditions are subject to change at any time without notice. Rate scenarios are based on a 30 day lock. Rates may acutally be different from this page, and rates may change at anytime and without notice on this page.  NMLS#402641.  NMLS Consumer Access Site

 

Individual Retirement Accounts

INDIVIDUAL RETIREMENT ACCOUNTS

  • Traditional
  • Roth

Terms for IRA'S

  • 18 months
  • 24 months
  • 12 months

Penalties:

  • Same as regular “Certificate of Deposit” plus a 10% penalty from IRS.
  • 59 ½ years or older, withdrawals are permitted without a penalty from Peoples Community Bank or IRS; however, taxes are assessed on the withdrawals if it is a regular IRA.
  • 70 ½ years of age, IRS requires an annual distribution, without a penalty from Peoples Community Bank or IRS.