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Deposit & Loan Rates

Checking

Annual Percentage Yield (APY) current as of December 10, 2018. Rates subject to change.

*Minimum Daily Balance to earn APY Minimum Balance to open account Minimum Daily Balance to avoid fees Annual Percentage Yield (%)
$2,500 $100 $500 0.05

* Fees could reduce earnings on the account.

Investment Savings

Annual Percentage Yield (APY) current as of December 10, 2018. Rates are subject to change.

*Minimum Daily Balance to earn APY Minimum Balance to open account Minimum Daily Balance to avoid fees Annual Percentage Yield (%)
$100.00 - $49,999.99 $100 $100 0.15
$50,000.00 - $99,999.99 $100 $100 0.30
$100,000.00 - $499,999.99 $100 $100 0.60
$500,000 + $100 $100 0.60

* Fees could reduce earnings on the account.

Health Savings Account

Annual Percentage Yield (APY) current as of December 10, 2018. Rates are subject to change.

*Minimum Daily Balance to earn APY Minimum Balance to open account Minimum Daily Balance to avoid fees Annual Percentage Yield (%)
$0 - $4,999.99 $100 $100 0.10
$5,000.00 - $9,999.99 $100 $100 0.25
$10,000 + $100 $100 0.40

* Fees could reduce earnings on the account.

Money Market

Annual Percentage Yield (APY) current as of December 10, 2018. Rates are subject to change.

*Minimum Daily Balance to earn APY Minimum Balance to open account Minimum Daily Balance to avoid fees Annual Percentage Yield (%)
$2,500.00 - $9,999.99 $100 $5,000 0.05
$10,000.00 - $49,999.99 $100 $5,000 0.40
$50,000.00 - $99,999.99 $100 $5,000 1.00
$100,000 - $999,998 $100 $5,000 1.50
$999,999+ $100 $5,000 1.75

* Fees could reduce earnings on the account.

*Certificates of Deposit

Annual Percentage Yield (APY) current as of December 10, 2018. Rate are subject to change.

Term Minimum Daily Balance to earn APY Minimum Balance to open account Minimum Daily Balance to avoid fees Annual Percentage Yield (%)
6 months $0 $2,500 $0 0.20
12 months $0 $2,500 $0 1.75
18 months $0 $2,500 $0 2.50
24 months $0 $2,500 $0 2.75
30 months $0 $2,500 $0 2.75
36 months $0 $2,500 $0 3.00
48 months $0 $2,500 $0 3.10
5 years $0 $2,500 $0 3.50

* Penalty may be imposed for early withdrawal.

*Individual Retirement Accounts

Annual Percentage Yield (APY) current as of December 10, 2018. Rates are subject to change.

Term Minimum Daily Balance to earn APY Minimum Balance to open account Minimum Daily Balance to avoid fees Annual Percentage Yield (%)
6 months $0 $1,000 $0 0.20
12 months $0 $1,000 $0 1.75
18 months $0 $1,000 $0 2.50
24 months $0 $1,000 $0 2.75
30 months $0 $1,000 $0 2.75
36 months $0 $1,000 $0 3.00
48 months $0 $1,000 $0 3.10
5 years $0 $1,000 $0 3.50
18 month passbook $0 $100 $0 2.50
30 month passbook $0 $100 $0 2.75

* Penalty may be imposed for early withdrawal.

Auto Loans

Annual Percentage Rates (APR) current as of December 10, 2018. Rate are subject to change.

Auto, Van, Trucks Terms Annual Percentage Rate (%) Monthly Payment per $1,000 borrowed ($)
2018 - 2019 new <36 months 4.35 $29.73
  48 months 4.50 $22.84
  60 months 4.65 $18.75
2017 - 2018 used <36 months 4.59 $29.84
  48 months 4.69 $22.93
  60 months 4.99 $18.90
2015 - 2016 used <36 months 4.99 $30.03
  48 months 4.99 $23.07
2013 - 2014 used <36 months 6.50 $30.73

Home Equity Installment Loans

Annual Percentage Rates (APR) current as of December 10, 2018. Rate are subject to change.

Loan Term Annual Percentage Rate (%)
First Lien Position
Monthly Payment per
$1,000 Borrowed
Annual Percentage Rate (%)
Second Lien Position
Monthly Payment per
$1,000 Borrowed
60 months 4.40 $18.63 6.25 $19.50
61-120 months 4.40 $18.36 - $10.33 6.25 $19.23 - $11.26
121-180 months 4.40 $10.27 - $7.61 6.25 $11.19 - $8.60
181-360 months 5.00 $7.90 - $5.38 N/A N/A


Subject to credit approval. Loan-to-value not to exceed 80%, for loans up to $500,000. Property and flood insurance (if applicable) is required. Payment examples do not include amounts for taxes and/or insurance premiums.

 

West Suburban Bank CLASSIC/GOLD Visa®

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases
15.75% VISA CLASSIC
14.75% VISA GOLD

This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 15.75% VISA CLASSIC 14.75% VISA GOLD
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 15.75% VISA CLASSIC 14.75% VISA GOLD
This APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances (including checks that can access your credit card account) and Balance Transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/credit-cards/
Fees
Annual Fee None
Transaction Fees
Cash Advance Either $10.00 or 4.00% of the amount of each advance, whichever is greater.
Balance Transfer Either $10.00 or 4.00% of the amount of each transfer, whichever is greater.
Penalty Fees
Late Payment Up to $25.00 for any payment not received by the due date.
Returned Check Up to $25.00 for any payments returned unpaid.
Other Fees 
Duplicate Statement $5.00
Custom Photo Card $7.50

How We Will Calculate Your Balance: We use the Average Daily Balance method (including new transactions).
Prime Rate: The APR may vary monthly based on changes in the Prime Rate announced and published from time to time in The Wall Street Journal.
Terms are subject to credit approval.
The APRs and disclosure terms are accurate as of December 10, 2018. Terms are subject to change after this date. Contact West Suburban Bank at 1-800-258-4009 for any possible changes in information disclosed.

West Suburban Bank Visa® BUSINESS

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases
14.75% VISA BUSINESS
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 14.75% VISA BUSINESS
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 14.75% VISA BUSINESS
This APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances (including checks that can access your credit card account) and Balance Transfers on the transaction date.
Fees
Annual Fee None
Transaction Fees
Cash Advance Either $10.00 or 4.00% of the amount of each advance, whichever is greater.
Balance Transfer Either $10.00 or 4.00% of the amount of each transfer, whichever is greater.
Penalty Fees
Late Payment $29.00 for any payment not received by the due date.
Returned Check $29.00 for any payments returned unpaid.
Other Fees 
Duplicate Statement $5.00

How We Will Calculate Your Balance: We use the Average Daily Balance method (including new transactions).
Prime Rate: The APR may vary monthly based on changes in the Prime Rate announced and published from time to time in The Wall Street Journal.
Terms are subject to credit approval.
The APRs and disclosure terms are accurate as of December 10, 2018. Terms are subject to change after this date. Contact West Suburban Bank at 1-800-258-4009 for any possible changes in information disclosed

 

Nonprofit/Public Funds

West Suburban Bank offers competitive investment rates on nonpublic/public funds. Please contact rates@westsuburbanbank.com for a rate quote.

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