Athens State Bank

Rates

Deposit Accounts
(last updated 8-26-2013 at 3:30pm)
Account Type Basic Annual Percentage Yield (APY) Basic Interest Rate Minimum Deposit To Open Minimum Balance To Obtain APY
Super Now 0.15% 0.15% $2,000 No Min
Savings ** 0.15% 0.15% $100 No Min
Christmas Club 0.15% 0.15% No Min No Min
Money Market Rates *
Up to $10,000.00 0.15% 0.15% $2,500 No min
$10,000.01 - $50,000.00 0.20% 0.20% $2,500 No min
$50,000.01 - $100,000.00 0.20% 0.20% $2,500 No min
$100,000.01 - $500,000.00 0.20% 0.20% $2,500 No min
$500,000.01 - $1,500,000.00 0.25% 0.25% $2,500 No min
$1,500,000.01 and up 0.25% 0.25% $2,500 No min
Business Interest-Bearing Checking*
Up to $5,000.00 0.15% 0.15% $5,000 No Min
$5,000.01 - $50,000.00 0.15% 0.15% $5,000 No Min
$50,000.01 - $100,000.00 0.15% 0.15% $5,000 No Min
$100,000.01 and up 0.25% 0.25% $5,000 No Min
Daily balance (the amount of principal in the account each day)
*at our discretion, we may change the interest rate on this tier
**Accrued interest not paid on Closed Accounts
**Fees could reduce earnings
Certificates of Deposit (CDs)*
(last updated 4-12-2013 at 9:30am)
Term Annual Percentage Yield (APY) Interest Rate Minimum Deposit to Open Minimum Balance to Obtain APY
1-Month 0.10% 0.10% $1,000 $1,000
3-Month 0.20% 0.20% $1,000 $1,000
6-Month 0.30% 0.30% $1,000 $1,000
7-Month 0.30% 0.30% $1,000 $1,000
12-Month 0.40% 0.40% $1,000 $1,000
18-Month 0.60% 0.60% $1,000 $1,000
24-Month 0.80% 0.80% $1,000 $1,000
30-Month 0.90% 0.90% $1,000 $1,000
36-Month 1.06% 1.05% $1,000 $1,000
48-Month 1.16% 1.15% $1,000 $1,000
60-Month 1.26% 1.25% $1,000 $1,000
Jumbo CD $100,000 or more. Effective 3/15/2008, there is no premium offered on Jumbo CD's. We will continue to monitor market conditions and adjust our CD pricing accordingly.
*Substantial penalty for early withdrawal of Certificates of Deposit
-Fees could reduce earnings on accounts
Individual Retirement Accounts 1.15% 1.15% No Min No Min
Auto Rates
(last updated 10-28-2013 at 9:30 am)
Model Year Term Rate APR
 2013 - 2014  72 months 2.140% 2.195%
2011 - 2013 72 months 2.650% 2.708%
2011 - 2013 60 months 2.250% 2.318%
2008 - 2010 48 months 3.700% 3.790%
Longer terms available, call bank for details
**APR is annual percentage rate. Rate quoted is "as low as", which is a premium rate for customers with EXCELLENT CREDIT (720 or greater credit score) and automatic payment, and is subject to change. Loan rates are subject to approved credit. APR's and loan length will be determined by credit worthiness. APR's are based on a $30,000.00 car loan over the stated loan term according to vehicle year and include a $50.00 document fee. Rates listed are Standard Rates and do not reflect current or previous specials.
Mortgage Rates
(last updated 4-16-2014 at 9:00am)
Term Rate APR



5 Year Balloon 3.750% 3.805%
15 Year Fixed 3.250% 3.319%
20 Year Fixed 4.000% 4.055%
30 Year Fixed 4.250% 4.290%
Rural Dev - 30 Year Fixed 4.250% 4.874%
FHA & VA - 15 & 30 Year Fixed Please call for rates
APR's are based on a $150,000.00 loan over the stated loan term and include a $350.00 document fee, a $3.75 flood determination servicing fee, and a 0.25% Market Condition fee. Rural Development APR also includes a 2.0% guarantee fee, $400 rural underwriting fee, and $87 tax service fee. All rates subject to credit approval. We also offer 2nd Mortgages and Home Equity Lines of Credit. Call us for a current rate quote.
Ag and Commercial Loans
We offer a variety of rate and term packages to meet your farm and business financing needs. From seasonal operating loans to term equipment or commercial real estate financing, we have the loan product to match. Call us at 217-636-7766 (Springfield) 217-636-8214 (Athens), 217-632-5500 (Petersburg) or 217-632-2100 (New Salem) for a current rate quote.
Construction Loans
Let us be your first choice for home construction financing. We offer rates as low as 4.393% APR** (3.99% stated interest rate) to build the home of your dreams. Call us today so we can help you get started.

** APR is annual percentage rate. APR is calculated on a $150,000 loan over 7 months with a single payoff payment. Multiple advances/draws are allowed. Rate quoted is "as low as" and subject to change. Loan rate is only good on primary residence and is subject to approved credit.