Effective as of: March 9, 2010
Mt. McKinley Bank has many excellent deposit, real estate and consumer loan rates listed below. If you have any questions about these rates or products, please call (907) 452-1751 or outside the Fairbanks area, dial toll free (888) 515-1774. You may also visit the Mt. McKinley Bank location nearest you for more information.
Rate data is updated on a best effort basis, generally each business day before 10am. Rates are Subject to change without notice.
Deposit Rates
| Time Deposits | APY* | Rate |
|---|---|---|
| 30 Days | 0.21% | 0.21% |
| 91 Days | 0.45% | 0.45% |
| 6 Months | 0.65% | 0.65% |
| 9 Months | 0.67% | 0.67% |
| 1 Year | 0.85% | 0.85% |
| Opportunity Plus 1 Year | 0.80% | 0.80% |
| 2 Year | 1.31% | 1.30% |
| Opportunity Plus 2 Year | 1.26% | 1.25% |
| 3 Year | 1.92% | 1.90% |
| 5 Year | 2.69% | 2.65% |
| Accounts | APY* | Rate |
| NOW Checking | 0.05% | 0.05% |
| Savings | 0.20% | 0.20% |
| Money Market Plus Rate paid when balance is more than or equal to $2,500 |
0.20% | 0.20% |
| Money Market Investment | APY* | Rate |
| Up to $25,000 | 0.15% | 0.15% |
| $25,001 - $50,000 | 0.20% | 0.20% |
| $50,001 - $100,000 | 0.22% | 0.22% |
| $100,000 - $500,000 | 0.27% | 0.27% |
| $500,001 - $1,000,000 | 0.32% | 0.32% |
| $1,000,001 - $1,500,000 | 0.37% | 0.37% |
| * APY- Annual Percentage Yield. The actual rate earned if the money stays on deposit for a full year. | ||
Real Estate Loan Rates
| Alaska Housing Finance Corp. | Rate | APR |
|---|---|---|
| Taxable | 5.000% | 5.14% |
| First Time Homebuyer (Tax Exempt) | 4.625% | 4.76% |
| First Time Homebuyer (Taxable) | 4.875% | 5.01% |
| Veterans Mortgage Program | 4.625% | 4.76% |
| Rural - Owner Occupied | 4.750% | 4.84% |
| Conventional | Rate | APR |
| Fixed Rate - 30 Year | 4.875% | 5.01% |
| Fixed Rate - 15 Year | 4.250% | 4.44% |
| Fixed Rate - 10 Year | 4.000% | 4.19% |
| 5/1 ARM | 4.375% | 4.57% |
| Government | Rate | APR |
| FHA | 4.750% | 4.89% |
| VA | 4.750% | 4.89% |
| In House | Rate | APR |
| Non-Conforming - Fixed Rate | 7.875% | 8.26% |
| "Cabins, A" | 5.500% | 5.62% |
| Land | 8.250% | 8.31% |
| Recreational Property | 7.500% | 7.71% |
| Property Improvement | 7.500% | 7.53% |
| Second Mortgage | 7.500% | 7.53% |
| Home Equity Line of Credit loans are available | Call | Call |
| Construction | Rate | APR |
| Construction Loans Available for Owner builders and Contractors | Call | Call |
Consumer Loan Rates
| Loan Type | Rate | APR |
|---|---|---|
| Auto - New | 6.625% | 6.73% |
| Auto - Used - 1 Year Old | 7.000% | 7.11% |
| 2 – 5 Years Old | 7.750% | 7.86% |
| over 5 Years Old | 8.500% | 8.61% |
| Travel Trailer - New | 8.000% | 8.11% |
| Travel Trailer - Used | 8.500% | 8.61% |
| Motorhome - New | 8.000% | 8.11% |
| Motorhome - Used | 8.250% | 8.36% |
| Truck Camper - New | 8.000% | 8.11% |
| Truck Camper - Used | 8.500% | 8.61% |
| Boats - New | 8.250% | 8.36% |
| Boats - Used | 8.500% | 8.61% |
| Motorcycle - New | 7.750% | 7.86% |
| Motorcycle - Used | 8.000% | 8.11% |
| Snow Machine & ATVs - New | 8.500% | 8.61% |
| Unsecured | 14.000% | 16.42% |
Commercial Loan Rates
Commercial Rates are subject to change and vary for different situations.If interested, please call 907-452-1751.
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Mt. McKinley Painting "Susitna View" by Randall Compton