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Rates

APY = Annual Percentage Yield. Rates effective as of September 27, 2019.

 

Certificates of Deposit (CDs) Learn More

CD Term Rate APY Minimum Balance
11 Month Special - Compounded Monthly 1.59% 1.60% $5,000
18 Months - Compounded Quarterly 1.69% 1.70% $5,000
39 Month Special - Compounded Quarterly 1.79% 1.80% $10,000 

Interest rates on all interest-bearing accounts are determined by the bank and may be adjusted at the bank's discretion. Annual percentage yield (APY) assumes principal and interest remain on deposit for the term of the certificate.  A penalty may be assessed for early withdrawal.  Fees could reduce the earnings on the account.  Minimum deposit and method of compounding may vary on the certificates. Maximum deposit of $250,000.  Certificates automatically renew upon maturity. Some CD’s may not be eligible for brokerage deposits, institutional investors or public funds.  Rates effective September 27, 2019.

Auto & Boat Loans

Loan Type Interest Rate with Auto Debit from CIB Checking Account APR* Term Length
NEW CAR 2017-2019 FIXED 4.24% 4.29% UP TO 60 MONTHS
USED CAR 2014 - 2016 FIXED 4.49% 4.54% UP TO 60 MONTHS
USED CAR 2013 & OLDER FIXED 6.24% 6.30% UP TO 48 MONTHS

*Annual Percentage Rate=APR.  APR listed assumes $50,000 loan at maximum term.  Actual APR will depend on loan amount and term length. Rates are determined by the bank and may be adjusted at the bank's discretion.  

Repayment examples:
New Car 2017-2019: $10,000 borrowed, $186.20 per month for 60 months, APR= 4.45%
Used Car 2014-2016: $10,000 borrowed, $187.34 per month for 60 months, APR=4.70%
Used Car 2013 & Older: $10,000 borrowed, $237.18 per month for 48 months, APR= 6.51%