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First Bank of Baldwin - Rates

Member of the Federal Deposit Insurance Corporation
The interest rates and APYs are accurate as of 5/21/2014.

Checking & Savings Accounts

*Rate - Interest Rate
**APY - Annual Percentage Yield

Product Name
Product Information
Term Length
Rate(s)*
Min. Opening Deposit
APY(s)**
Now Account $95.00
0.10% 0.10%
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
You must maintain a minimum average daily balance of to obtain the disclosed annual
percentage yield. Any fees assessed may also reduce the APY.
 
Venture Club Account $95.00
0.10% 0.10%
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
Any fees assessed may also reduce the APY.

Money Market Deposit Account $500.00
$0.00-$24,999.99 0.15% 0.15%
$25,000.00-$49,999.99 0.25% 0.25%
$50,000.00 and above 0.35% 0.35%
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.

1st Rate Money Market Account $ 8,500.00
0.25% 0.25%
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
You must maintain a minimum average daily balance of to obtain the disclosed annual percentage yield. Any fees assessed may also reduce the APY.

Savings Account $ 10.00
0.20% 0.20%
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.

1st Kids Club Savings Account $ 5.00
 .75%  .75%
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.

Saver's 1st Account $ 10,000.00
0.25% 0.25%
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.
You must maintain a minimum average daily balance of to obtain the disclosed annual
percentage yield. Any fees assessed may also reduce the APY.

Health Savings Account $ 10.00
 $0.00-$999.99

0.25%

0.25%
$1,000.00-$4,999.99 0.35% 0.35%
$5,000.00 and above   0.50% 0.50%
This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.

Certificates of Deposit


*Rate - Interest Rate
**APY - Annual Percentage Yield

Product Name
Product Information
Term Length
Rate(s)*
Min. Opening Deposit
APY(s)**
91 Day Certificate of Deposit $ 500.00
0.10% 0.10%
You must maintain a minimum average daily balance of to obtain the disclosed
annual percentage yield. A penalty may be imposed for early withdrawal.

182 Day Certificate of Deposit $ 500.00
0.20% 0.20%
You must maintain a minimum average daily balance of to obtain the disclosed
annual percentage yield. A penalty may be imposed for early withdrawal.

12 Month Certificate of Deposit $ 500.00
0.45% 0.45%
You must maintain a minimum average daily balance of to obtain the disclosed
annual percentage yield. A penalty may be imposed for early withdrawal.

18 Month Certificate of Deposit
  $ 500.00
  0.55% 0.55%
You must maintain a minimum average daily balance of to obtain the disclosed
annual percentage yield. A penalty may be imposed for early withdrawal.

24 Month Certificate of Deposit   $ 500.00
  0.65% 0.65%
You must maintain a minimum average daily balance of to obtain the disclosed
annual percentage yield. A penalty may be imposed for early withdrawal.

36 Month Certificate of Deposit   $ 500.00
  0.65% 0.65%
You must maintain a minimum average daily balance of to obtain the disclosed
annual percentage yield. A penalty may be imposed for early withdrawal.

48 Month Certificate of Deposit   $ 500.00
  1.00% 1.00%
You must maintain a minimum average daily balance of to obtain the disclosed
annual percentage yield. A penalty may be imposed for early withdrawal.

60 Month Certificate of Deposit   $ 500.00
  1.34% 1.35%
You must maintain a minimum average daily balance of to obtain the disclosed
annual percentage yield. A penalty may be imposed for early withdrawal.

IRA Account   $ 25.00
  0.55% 0.55%
This is a variable rate account; the rate(s) and APY(s) may change after the
account is opened. A penalty may be imposed for early withdrawal.

Roth IRA Account   $ 25.00
 

0.55%

0.55%
This is a variable rate account; the rate(s) and APY(s) may change after the
account is opened. A penalty may be imposed for early withdrawal.

Coverdell Education Savings Account $ 25.00
0.55% 0.55%
This is a variable rate account; the rate(s) and APY(s) may change after the
account is opened. A penalty may be imposed for early withdrawal.

Mortgage Rates


*Rate - Interest Rate
**APR - Annual Percentage Rate

Rate * APR **

30 Year Fixed 4.125% 4.165%

20 Year Fixed 3.75% 3.804%

15 Year Fixed 3.125% 3.194%

Rates are effective at the time posted and may change without notice.  Please call 715-684-3366 for further information.

Mortgage Rate Assumptions:

These APR (Annual Percentage Rate) calculations are based on the following: $100,000 loan amount with required monthly payments for the term of amortization selected at the corresponding interest rate with $475.00 other charges that qualify as "finance charges".

Example:  A $100,000.00 loan amount with a 20% down payment:

360 months at a rate of interest of 6.000% and APR of 6.050%, monthly payment would be $599.55*.

240 months at a rate of interest of 6.000% and APR of 6.065%, monthly payments would be $716.43*.

180 months at a rate of interest of 6.000% and APR of 6.080%, monthly payments would be $843.86*.

*Does not include an escrow payment for taxes and insurance, actual payment obligation may be higher if an escrow account is established or required.

Important Notices:

  • The interest rates and annual percentage rates(APRs) shown are subject to change without notice.
  • Your actual experience may be different.  Your APR will vary based on loan amount, finance charges, credit history, loan product, occupancy, property type, loan to value ratio, the use of subordinate financing, escrows, PMI, credit life/disability insurance, and overall credit profile.  
  • Equity and down payments of less than 20% require the purchase of private mortgage insurance, which will increase the APR. 

 
Member FDICEqual Housing Lender
©2008 First Bank of Baldwin. All Rights Reserved. Privacy Policy
990 Main Street - P.O. Box 2060 Baldwin, WI 54002
p:715.684.3366 - 800.499.4362 f:715.684.2624
onlinebanking@firstbankbaldwin.com