Peoples Trust Company


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Rates

Peoples Trust Company offers some of the lowest rates and fees available. If you have questions, please contact us for more information.

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	Mortgage Rates
	Deposit Rates

Last updated July 23, 2008

Mortgage rates

Term

Points

Rate

APR

Cost per $1000
Borrowed

30 Year

0 points

6.8750

6.9390

6.57

1 points

6.6250

6.7860

6.40

2 points

6.5000

6.7600

6.32

Term

Points

Rate

APR

Cost per $1000
Borrowed

20 Year

0 points

6.7500

6.8330

7.60

1 points

6.5000

6.7110

7.46

2 points

6.3750

6.7150

7.38

Term

Points

Rate

APR

Cost per $1000
Borrowed

15 Year

0 points

6.3750

6.4770

8.64

1 points

6.1250

6.3860

8.51

2 points

5.8750

6.2950

8.37

Term

Points

Rate

APR

Cost per $1000
Borrowed

10 Year

0 points

6.3750

6.5190

11.29

1 points

6.0000

6.3680

11.10

2 points

5.7500

6.3430

10.98

Interest rates are subject to change without notice, and may vary based on credit quality, loan amount, and property type. The Annual Percentage Rates (APR) disclosed above assume a 20% down payment on the purchase of an owner occupied one unit dwelling, with no secondary financing. The APR does not include all the closing cost. All loans are subject to credit approval. Peoples Trust Company is an Equal Housing Lender.

For information about applying for a loan or for more information about other rates and financing options, please contact a loan officer.

Last updated June 24, 2008

Deposit rates

Checking Accounts

Interest
Payment Frequency

Interest Rate
Percentage

Annual Percentage
Yield (APY)

Interest Penalty

Classic Connection with Interest *1

Monthly

0.2500

Business Connect with Interest *1

Monthly

0.2500

Health Savings Connection Checking Account

Monthly

2.9600

3.0000

Personal Money Market Accounts

Balances $1,500.00 to $24,999.99

Monthly

1.2400

1.2500

Balances $25,000.00 to $74,999.99

Monthly

1.4900

1.5000

Balances $75,000.00 or more

Monthly

1.9800

2.000

Business Money Market Accounts

Balances $1,500.00 to $49,999.99

Monthly

1.2400

1.2500

Balances $50,000.00 to $149,999.99

Monthly

1.4900

1.5000

Balances $150,000.00 or more

Monthly

1.9800

2.0000

Savings Accounts

Passbook Savings

Quarterly

0.5000

Personal Savings & ATM Savings

Monthly

0.5000

Business Savings

Monthly

0.5000

Traditional Club

Monthly

0.5000

Coach Club Savings

Monthly

0.5000

Club Choice

Monthly

0.6000

Certificate of Deposit *2

1 Month

Flexible

1.7400

1.7600

30 Days

3 Month

Flexible

2.2300

2.2500

30 Days

6 Month

Flexible

2.4700

2.5000

30 Days

12 Month

Flexible

2.7100

2.7500

90 Days

18 Month

Flexible

2.7100

2.7500

90 Days

24 Month

Flexible

2.9600

3.0000

90 Days

30 Month

Flexible

2.9600

3.0000

90 Days

36 Month

Flexible

3.4400

3.5000

90 Days

48 Month

Flexible

3.6800

3.7500

90 Days

60 Month

Flexible

3.9200

4.0000

90 Days

IRA

1 Month

Flexible

1.7400

1.7600

30 Days

3 Month

Flexible

2.2300

2.2500

30 Days

6 Month

Flexible

2.4700

2.5000

30 Days

12 Month

Flexible

2.7100

2.7500

90 Days

18 Month

Flexible

2.7100

2.7500

90 Days

24 Month

Flexible

2.9600

3.0000

90 Days

30 Month

Flexible

2.9600

3.0000

90 Days

36 Month

Flexible

3.4400

3.5000

90 Days

48 Month

Flexible

3.6800

3.7500

90 Days

60 Month

Flexible

3.9200

4.0000

90 Days

*1 Classic Connection with Interest and Business Connect with Interest balances less than $1000.00 will not pay interest.
*2 Certificate of Deposit balances less than $500.00 will not pay interest.
Interest is compounded daily on all accounts on a 365/365 basis.
Rates and Money Market tiers are subject to change at any time. APY assumes interest remains on deposit until maturity.
Fees could reduce earnings on checking and savings accounts. Penalty for early withdrawal on CDs and IRAs.
Peoples Trust Company of St. Albans Toll Free (800) 479-2196
Main Office: 25 Kingman Street, St. Albans, VT 05478 (802) 524-2196

Branches located in St. Albans, Swanton, Georgia, Enosburg Falls and Essex Town Center.