Quail Creek Bank

Select A Rate Sheet

Click on the icon below to download our current rate sheet as of June 25, 2008.

Checking
Accounts	Minimum Balance to Open Account	Minimum Balance to Earn APY	Interest Rate	Annual Percentage Yield
Q Account *	$250	$1,000 to $9,999.99	.30%	.30%
$10,000 and over			.50%	.50%
Quail Classic Club	$250	$1,000 to $9,999.99	.30%	.30%
Quail Classic Club	$250	$10,000 and over	.50%	.50%

Savings
Accounts	Minimum Balance to Open Account	Minimum Balance to Earn APY	Interest Rate	Annual Percentage Yield
Health Savings*		$.01 to $2,500	1.25%	1.26%
		$2,501 to $10,000	1.50%	1.51%
		$10,001 and up	2.00%	2.02%
Personal Savings *	$100	$100	.50%	.50%
Business Savings *	$100	$100	.50%	.50%
Invest Account *	$250	$2,500**	.50%	.50%
Hi-Yield Advantage *	$5,000	$5,000**	1.98%	2.00%
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*The interest rate and annual percentage yield may change after account opening.
**Daily balance. The amount of the principal in the account each day.

Certificates of Deposit
CD Term	Minimum Balance to Open Account	Interest Rate	Annual Percentage Yield
7-31 day*	$2,500-9,999.99	1.75%	1.76%
7-31 day*	$10,000-49,999	1.75 %	1.76 %
7-31 day*	$50,000 and up	1.75 %	1.76 %
32-89 day*	$2,500-9,999.99	2.48 %	2.51 %
32-89 day*	$10,000-49,999	2.48 %	2.51 %
32-89 day*	$50,000 and up	2.48 %	2.51 %
90-179 day*	$2,500-9,999.99	2.48%	2.51%
90-179 day*	$10,000-49,999	2 .48 %	2.51%
90-179 day*	$50,000 and up	2.48%	2.51%
180-364 day*	$2,500-9,999.99	2.48%	2.51%
180-364 day*	$10,000-49,999	2.48 %	2.51%
180-364 day*	$50,000 and up	2.48 %	2.51%
1 Year*	$2,500-9,999.99	2.48%	2.51%
1 Year*	$10,000-49,999	2.48 %	2.51 %
1 Year*	$50,000 and up	2.48 %	2.51 %

18 Month or More CD	$2,500-9,999.99	2.47 %	2.50 %
18 Month or More CD	$10,000.00-49,999.99	2.47 %	2.50 %
18 Month or More CD	$50,000.00 and up	2.47 %	2.50%

2 Year Certificate*	$2,500	2.47%	2.50%

18 Month IRA *	$2,500	2.47%	2.50%
2 Year Step up -CD Select	$5,000 and up	3.44%	3.50%
2 Year Certificate	$2,500	3.44%	3.49%
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*A penalty may be imposed for early withdrawal.

** Daily balance. The amount of the principal in the account each day.

Note: The rate is variable and may change at any time after the account is open. Fees could reduce the earnings on the account. Interest Rates and Annual Percentage Yields are current as of April 22, 2008

Consumer Lending Department

Click on the icon below to download our current rate sheet as of February 01, 2008.

Vehicles
Year Model	Term	Rate	A.P.R.
New: 2008-2007	60 months	5.99%	6.379%
New: 2008-2007	48 months	5.74%	6.219%
New: 2008-2007	up to 36 months	5.49%	6.117%
Used: 2008-2007	up to 60 months	6.24%	6.630%
Used: 2006-2005	up to 48 months	5.99%	6.469%
Used: 2004-2002	up to 36 months	5.49%	6.117%
2001 and older models	up to 24 months	7.99%	8.918%
$Quick Money$	36 months	*
* $QuickMoney$ - Represents special rates- from time to time with specific expiration dates. Return to the Top

Rates may be lowered .50% for auto debit from a Quail Creek Bank account.
Minimum Rate is 4.99%

*APR (Annual Percentage Rate) calculations are based on:

Each consumer loan has a $75.00 loan fee and a $16.50 V.S.I. (Vendors Single Insurance) fee, which are considered finance charges.

We will loan up to 90% of Purchase Price on New Cars.

We will loan up to NADA Trade-in value on Used Cars.

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Boats and R.V.'s
Year Model	Term	Rate	A.P.R.
New 2008-2007	84 months ($15,000 min)	8.99%	9.174%
2008 or 2007	72 months ($10,000 min)	7.99%	8.302%
2008 or 2007	60 months or less	6.49%	6.881%
Used boats to 2000	48 months or less	6.49%	6.971%
Jet Skis
New	48 months	7.99%	8.443%
Used 2007,2006	36 months	7.99%	8.581%
2005	24 months	7.74%	8.602%

We will loan up to 90% of Purchase Price on New Boats. No other add-ins financed, (special equipment, skis, life vests, tubes, etc.)

Real Estate / Home Equity Loans
First Morgages not purchase money	Term and Payments	Rate	APR	Fees
Owner Occupied 80% of Appraised Value	15 year Amortization 3 year balloon Monthly payments	WSJP fixed for 3-years	Based on prime rate	See Fee Structure Below
Owner Occupied 80% of Appraised Value	5 year full pay out Monthly payments	WSJP fixed for 5-years	Based on prime rate	See Fee Structure Below
Non-owner Occupied 70% of Appraised Value	15 year Amortization 3 year balloon Monthly payments	WSJP + 0.25% fixed for 3-years	Based on prime rate	See Fee Structure Below

Second Mortgages	Term and Payments	Rate	APR*	Fees
Owner Occupied Only 80% of Appraised Value	5 year full pay out Monthly payments	WSJP fixed for 5-years	Based on prime rate	See Fee Structure Below
Owner Occupied Only 80% of Appraised Value	15 year Amortization 3 year balloon Monthly payments	WSJP + 0.25% fixed for 3-years	Based on prime rate	See Fee Structure Below
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Home Equity Line	Term and payments	Rate	Fees
Owner Occupied Only 85% of Appraised Value	Revolving line of credit 5 year draw period, then: 5 year repayment on Monthly payments	Current WSJP Rate Floating Annually – 6.00% FLOOR. Renewed after 5 years at then Current Prime Rate for Repayment Period- 6.00% FLOOR APR=RATE	NO COST with pre-payment penalty*** in first 12 months or see fee structure to waive pre=payment penalty.
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* The Loan Fee and Flood certification are considered finance charges and APR's are based on a $10,000 loan example.

**Prime Rate: is defined as the rate published daily in the Wall Street Journal and known as Wall Street Journal Prime (WSJP).

***Prepayment Penalty: If the No Cost loan pays in full within one year from the origination date of the loan there will be a $300.00 prepayment penalty assessed due at the time of payoff.

Any prepayment fee may be removed from the terms of the loan with the customer paying the fees detailed in the Fee Structure below:

Note: The Equity Line of Credit requires a transaction account at Quail Creek Bank.

Fee Structure: (All fees are estimates and subject to change)

R.E. Evaluation	$150.00e	Title report	$90.00e
Filing/Release Fees	$60.00e	Loan fee	$100.00
Flood Certification	$12.00
Mortgage tax = .10% of loan amount
TOTAL:	$ 414.00 + mortgage tax

Purchase Money: First mortgage purchase money loans will require a title insurance policy as well as an appraisal along with other associated real estate loan fees. Each of these purchase money loans will have associated costs based on the cost for the title insurance policy, appraisal, flood certification and document filing fees. Each customer will need to visit about these specific costs with a lending officer to determine the total costs of the loan.

Please refer any other request or questions to a Lending Officer or Secretary.