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Sun National Bank


CURRENT RATES

Rates are subject to change at anytime.

Deposit Rates Effective As of 6/30/2008



**Loan Rates Effective As of 7/1/2008

 

Select:

 

Personal Checking Rates

Product NameInterest RateAPYMinimum Required
Sun Direct0.200.20$0.01 and over
Basic Money Market0.750.75$0.01 to $4,999.99
1.001.00$5,000 to $24,999.99
1.491.50$25,000 and over
Sun Interest0.150.15$500.00 to $999.99
0.150.15$1,000 and over
Sun Ray Interest0.350.35$500.00 to $999.99
0.450.45$1,000 and over
Sun Gold 55+0.350.35$0.01 to $999.99
0.450.45$1,000 and over








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Personal Savings Rates

Product NameInterest RateAPYMinimum Required
Savings Special - Promotional Offer!0.500.50$0.01 to $9,999.99
2.482.50$10,000 and over
Basic Savings0.750.75$0.01 to $4,999.99
1.001.00$5,000 to $24,999.99
1.491.50$25,000 and over
Young Savers1.001.00$0.01 to $999.99
1.001.00$1,000.00 and over








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Personal CD/*IRA's (under $100M)

Product NameInterest RateAPYMinimum Required
7-29 Day1.001.00$500.00
30-91 Day1.001.00$500.00
92-181 Day1.491.50$500.00
3 Month Promotion - New Money Required (Maximum - $250,000)2.973.00$500.00
182-364 Day1.992.00$500.00
6 Month Promotion - New Money Required (Maximum - $250,000)2.983.00$500.00
7 Month Promotion - New Money Required (Maximum - $250,000)3.223.25$500.00
8 Month Promotion - New Money Required (Maximum - $250,000)3.233.25$500.00
9 Month Promotion - New Money Required (Maximum - $250,000)3.233.25$500.00
10 Month Promotion - New Money Required (Maximum - $250,000)3.243.25$500.00
11 Month Promotion - New Money Required (Maximum - $250,000)3.243.25$500.00
12-23 Month2.482.50$500.00
12-23 Month Promotion - new money required (maximum $250,000)3.213.25$500.00
24-35 Month2.482.50$500.00
24-35 Month Promotion - new money required (maximum $250,000)3.213.25$500.00
36-47 Month2.482.50$500.00
36-47 Month Promotion - new money required (maximum $250,000)3.213.25$500.00
48-59 Month2.482.50$500.00
48-59 Month Promotion - new money required (maximum $250,000)4.184.25$500.00
60 Month2.482.50$500.00
60 Month Promotion - new money required (maximum $250,000)4.184.25$500.00
Sun Power (18 Month)0.750.75$500.00
Sun Rise (18 Month)0.750.75$500.00
Sun Growth IRA0.500.50$25.00




*Minimum Term for Roth and Educational IRAs is One (1) Year







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Club Accounts

Product NameInterest RateAPYMinimum Required
Auto Debit0.800.80$0.01 and over








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SunRay, SunGold and Maximum Relationship Accounts

Product NameInterest RateAPYMinimum Required
CD/IRAs *
7-29 Day1.251.26$500.00
30-91 Day1.251.26$500.00
92-181 Day1.741.75$500.00
182-364 Day2.242.25$500.00
6 Month Promotion - New Money Required (Maximum $250,000)3.223.25$500.00
7 Month Promotion - New Money Required (Maximum $250,000)3.473.50$500.00
8 Month Promotion - New Money Required (Maximum $250,000)3.473.50$500.00
9 Month Promotion - New Money Required (Maximum $250,000)3.483.50$500.00
10 Month Promotion - New Money Required (Maximum $250,000)3.483.50$500.00
11 Month Promotion - New Money Required (Maximum $250,000)3.493.50$500.00
12-23 Month2.732.76$500.00
12-23 Month Promotion - New Money Required (Maximum $250,000)3.463.51$500.00
24-35 Month2.732.76$500.00
24-35 Month Promotion - New Money Required (Maximum $250,000)3.463.51$500.00
36-47 Month2.732.76$500.00
36-47 Month Promotion - New Money Required (Maximum $250,000)3.463.51$500.00
48-59 Month2.732.76$500.00
48-59 Month Promotion - New Money Required (Maximum $250,000)4.434.50$500.00
60 Month2.732.76$500.00
60 Month Promotion - New Money Required (Maximum $250,000)4.434.50$500.00
Sun Power 18 Month1.001.00$500.00
Sun Rise 18 Month1.001.00$500.00
Sun Growth IRA0.750.75$25.00
Checking Account
KAPOW! Interest Checking0.000.00$0.01 to $2,499.99
2.973.00$2,500 and over
Maximum Interest Checking - Promo Offer
0.500.50$0.01 to $4,999.99
2.482.50$5,000 and over
Maximum Interest Checking
0.250.25$5,000 to $24,999.99
0.750.75$25,000 to $49,999.99
1.251.25$50,000 to $249,999.99
2.252.25$250,000 and over
Maximum Money Market
(Maximum Checking required)1.001.00$0.01 to $4,999.99
1.151.15$5,000 to $24,999.99
1.741.75$25,000 to $49,999.99
2.232.25$50,000 and over
SunRay Money Market
(SunRay or Bank at Work Checking required)0.750.75$0.01 to $4,999.99
1.001.00$5,000 to $24,999.99
1.491.50$25,000 and over
Savings Account
SunRay Savings
(SunRay or Bank at Work Checking required)0.750.75$0.01 to $4,999.99
1.001.00$5,000 to $24,999.99
1.491.50$25,000 and over
Maximum Savings
(Maximum Checking required)1.001.00$0.01 to $4,999.99
1.151.15$5,000 to $24,999.99
1.741.75$25,000 to $49,999.99
2.232.25$50,000 and over




*A penalty will be imposed for early withdrawal



** Available for Max Checking customers only with new money








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Business/Commercial Account Rates

Product NameInterest RateAPYMinimum Required
Business Money Market PROMOTIONAL OFFER (new business customers)1.001.00$1,000 to $14,999.99
1.741.75$15,000 and over
Sun Interest Checking Non Personal0.250.25$500 to $999.99
0.250.25$1000 and over
Basic Business Money Market0.250.25$0.01 to $99,999.99
0.750.75$100,000 to $249,999.99
1.491.50$250,000 and over
Everything Under the Sun (EUTS) Business Money Market
EUTS or Commercial Analysis Checking required0.550.55$0.01 to $99,999.99
1.251.25$100,000 to $249,999.99
2.232.25$250,000 and over
Basic Business Savings0.750.75$0.01 - $99,999.99
1.051.05$100,000 to $249,999.99
1.741.75$250,000 and over








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Home Equity Loans - Fixed Rate**



Maximum LTV 80%

Loan TermAdvance AmountSunRay / SunGold / MaximumChecking / SavingsCoupon Book
Automatic DebitAutomatic Debit
12-60 Months$5,000 +6.24 APR6.49 APR6.74 APR
61-84 Months$5,000 +6.49 APR6.74 APR6.99 APR
85-120 Months$25,000 +6.49 APR6.74 APR6.99 APR
121-180 Months$25,000 to $250,0006.49 APR6.74 APR6.99 APR




$100 Closing Fee Charged at Closing for Fixed Rate Home Equity Loans Waived until further notice. Above Home Equity Rates available for primary residence only: Second homes and investment properties maximum LTV 75% add 50 basis points to above rates.







Click here for repayment examples








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Home Equity Loans - Revolving Equity Line**

Credit LineSunRay / SunGold / MaximumChecking / SavingsBilling Statement
Automatic Debit
WSJ Prime Currently 5.00%Prime Minus ½% 4.50 APR*Prime Minus ¼% 4.75 APRPrime 5.00 APR*
3 year* Fixed Rate Period then variable rate6.24%6.49%6.74%
Promo Rate Fixed until 12/31/08. Only on NEW Home Equity Applicants. Principle & Interest Payments Primary Residence.1.99%**NANA




** 1.99% Promo rate is good only on: Primary Residence, Applicants can not have an existing Sun home equity, payments must be P&I, payments must be deducted from a KAPOW!, SunRay/Gold, Max. 

* $150 Closing Fee on 3 year Fixed Rate HELOC.  Credit Lines have a floor of 4.00% APR. Minimum Line is $10,000. Existing lines must increase by $50,000 to qualify for the new rates. Maximum LTV 80%. INTEREST ONLY for first 60 months (70% max LTV primary 65% non-primary). Maximum APR allowed is 18%. Property Insurance may be required.







Click here for repayment examples








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Boat Loans

New Boat



Maximum Advance 80%



$25,000 - $100,000

TermSunRay / SunGold / MaximumChecking / SavingsBilling Statement
Automatic DebitAutomatic Debit
12-60 Months7.49 APR7.74 APR7.99 APR
61-120 Months7.74 APR7.99 APR8.24 APR




Used Boat



Maximum Advance 70% or NADA Trade-In-Value



Minimum $25,000 - $100,000

Year of Boat & TermSunRay / SunGold / MaximumChecking / SavingsBilling Statement
Automatic DebitAutomatic Debit
Up to 5 years old 12-60 Months7.99 APR8.24 APR8.49 APR
Up to 5 years old 61-120 Months8.49 APR8.74 APR8.99 APR








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Automobile Loans**

New Auto



Maximum Advance 80%



$5,000 Minimum



$5,000 Minimum

TermSunRay / SunGold / MaximumChecking / SavingsBilling Statement
Automatic DebitAutomatic Debit
12-48 Months7.05 APR7.30 APR7.55 APR
49-60 Months7.10 APR7.35 APR7.60 APR




Used Auto



Maximum Advance NADA Trade-In Value



Minimum $5,000

Year of Auto & TermSunRay / SunGold / MaximumChecking / SavingsBilling Statement
Automatic DebitAutomatic Debit
2008-2007 12-60 Months7.35 APR7.60 APR7.85 APR
2006-2005 12-48 Months7.60 APR7.85 APR8.10 APR
2004-2003 12-36 Months7.85 APR8.10 APR8.35 APR




New and Used Car Values can be found on-line (Kelly Blue Book : www.kbb.com)











Click here for repayment examples








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Unsecured**

Loan TypeTermMin Loan AmtMax Loan AmtSunRay / SunGold / MaxChecking / SavingsCoupon Book / Billing Stment
Automatic DebitAutomatic Debit
Personal Unsecured12-36 Months$1,000$10,0009.49 APR9.74 APR9.99 APR
PRIME PLUS 4.25PRIME PLUS 4.50PRIME PLUS 4.75
Unsecured Line of Credit WSJ Prime (6% Floor)60 Mo Rev$5,000$10,0009.25 APR9.50 APR9.75 APR
Cash to Spare / OD Prot.36 Month Rev$1,000$5,00015% APR18% APRN/A








Click here for repayment examples







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Certificate of Deposit Secured Loans**

Minimum $1,000Maximum 90% of CD12-60 Months




Rate is 2*% over CD Annual Percentage Yield : Minimum of 5%



*Add 50 Basis Points (1/2 of 1%) if payments are made with a coupon book



*Add 25 Basis Points (1/4 of 1%) if automatic payments from a non Sun Ray/Gold account are made.







Click here for repayment examples








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Mortgage Rates

Mortgage Rates effective as of 08-07-08

Fixed



Program Conforming $417,000



Maximum LTV 95% / Primary Residence







YearsPointsRate %APRAmount
3026.3756.600>$100,000
3016.6256.754>$100,000
3006.7506.781>$100,000
1525.8756.242>$100,000
1516.2506.459>$100,000
1506.5006.550>$100,000




APR Based on $100,000 Loan







Fixed



Non-Conforming $417,001 and over



Maximum LTV 95% / Primary Residence







YearsPointsRate %APRAmount
5/1 ARM25.5005.694>$417,001
5/1 ARM15.7505.853>$417,001
5/1 ARM06.0006.011>$417,001
7/1 ARM25.8756.209>$417,001
7/1 ARM16.1256.301>$417,001
7/1 ARM06.3756.393>$417,001




APR Based on $417,001 Loan







Government FHA and VA + 0.25 to points



<$50,000 + 1.00 points



<$35,000 + 2.00 to points



FHA 203k + 0.75 to Rate



Escrow Waiver N/A

YearsPointsRate %APRAmount
3026.2506.437>$50,001
301.56.3756.515>$50,001
3006.7506.843>$50,001
1525.8756.263>$50,001
1516.0006.309>$50,001
1506.5006.652>$50,001




APR Based on $50,001 Loan







Other programs available:



ADJUSTABLE - BALLOON - NO INCOME - NO ASSET



STATED INCOME - PROBLEM CREDITS



Construction Loan Programs: Designed for Stick Built and Modular Homes



Programs for Personal Residence - Second Home - Investment Properties



RATES SUBJECT TO CHANGE WITHOUT NOTICE - For Rate to be effective Application must be obtained and Rate Lock Agreement signed








Click here for repayment examples







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