Home Page
Online Banking
Fraud Protection/ID Theft
General Information
Locations
Current Rates
Consumer Services
Lending Products
Deposit Products
Investment Products
Privacy & Security
Disclosures
Contact Us


Current Rates

Deposit Rates | Lending Rates

Selected Deposit Account Rates and
Information as of May 14th, 2008

Account
Name

Minimum
Balance To
Open

Minimum
Balance To
Earn APY

Interest
Rates

Annual
Percentage
Yield

SIX MONTH CD

$500

$500

3.34%

3.40%

ANNIVERSARY CD
12-Month Term

$500

$500

3.30%

3.35%

18 Month CD

$500

$500

3.25%

3.30%

CD+PLUS
12 month term

$500

$500

1.40%

1.41%

CD+PLUS
12 month term

$500

$2,500

1.50%

1.51%

CD+PLUS
12 month term

$500

$5,000

1.60%

1.61%

CD+PLUS
12 month term

$500

$10,000

1.70%

1.71%

18 MONTH
RETIREMENT

$25

$25

3.06%

3.15%

18 MONTH
RETIREMENT

$25

$2,500

3.11%

3.20%

18 MONTH
RETIREMENT

$25

$5,000

3.15%

3.25%

18 MONTH
RETIREMENT

$25

$10,000

3.20%

3.30%

IMMA

$1,000

$1,000

1.47%

1.50%

PASSBOOK
SAVINGS

$1

$1

1.32%

1.35%

BETTER THAN FREE
CHECKING

$100

$1,000

0.39%

0.40%

PREFERRED
CHECKING

$5,000

$5,000

2.80%

2.80%


Annual Percentage Yield assumes reinvestment of interest earned at the stated rate. Rates subject to change without notice. Substantial penalty for early withdrawal may apply for term deposits. Fees may reduce earnings. New accounts limited to Washington State residents. For information on opening a new account as an out-of-state resident call us toll-free at 1-800-331-3225.

Adjustable Rate Mortgage (ARM) Loans
Loan Type/ PurposeRate**Down PaymentLoan Fee Annual Percentage Rate (APR)*
11th District Cost of Funds Index
Purchase6.000%3%1.00%6.147%
Construction6.000%5%1.50%6.198%

Interest-Only Mortgage Loans***
Loan Type/ PurposeRateDown PaymentLoan Fee Annual Percentage Rate (APR)
Purchase6.000%20%1.00%6.113%
Construction6.000%20%1.50%6.161%
*Annual Percentage Rates calculated assuming a 20% down payment. A $100,000 fixed rate loan for 360 months with a 20% down payment requires a monthly payment of $599.55.

**Adjustable Rate Mortgage interest rates may increase after consumation of the loan.

***A $100,000, 30 year interest-only mortgage with a 5-Year interest-only period, requires an interest-only payment of $500.00 for the first five years. Beginning with the first payment in the 6th year, the monthly payment will increase to a maximum of $644.30 for the remaining 25 years.

Rates quoted for owner-occupied single family residences for amounts to $500,000. Certain terms, conditions and restrictions may apply. Rates are subject to change at any time and are not available in all market areas.

Home Equity Loans*
Loan TypeRateLoan
Fee
Annual
Percentage
Rate (APR)
20 Year Fixed Rate6.250%0%6.268%
15 Year Fixed Rate6.125%0%6.148%
10 Year Fixed Rate6.000%0%6.032%
Preferred Line of Credit CALL FOR RATES

*Quoted rates available with an existing first mortgage held by Yakima Federal or if new equity loan will be a first lien. Other rates and terms available.

A $15,000 fixed rate equity loan for 180 months requires a monthly payment of $127.59.

Loan subject to applicable closing costs. Certain terms, conditions and restrictions may apply. Rates are subject to change at any time and are not available in all market areas.

For more details regarding loan terms and conditions, contact one of our home loan specialists by calling 1-800-331-3225, or visiting the Branch Office nearest you or, if you prefer, you can email us today.