Personal Banking Rates

Rates subject to change without notice
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Personal Banking Rates

Minimum Balance to Open – $100.00

TierMinimum Balance to earn APY*Interest RateAPY*
Tier One$0 – $24,999.990.04%0.04%
Tier Two$25,000.00 & up0.14%0.14%

* Annual Percentage Yield (APY) is effective March 5, 2020 and subject to change at any time.

TierMinimum Balance to earn APY*Interest RateAPY*
Tier One$0 – $9,999.990.05%0.05%
Tier Two$10,000.00 - $24,999.990.09%0.09%
Tier Three$25,000.00 - $99,999.990.18%0.18%
Tier Four$100,000.00 and up0.30%0.30%

* Annual Percentage Yield (APY) is effective March 5, 2020 and subject to change at any time.

Deposit ProductMinimum Balance to openAPY*
IRA Savings$25.000.03%
Educational Savings$25.000.03%
Deposit ProductMinimum Balance to openAuto Deduct APY*Coupon Book APY*
Holiday Club$5.000.05%0.00%
Vacation Club$5.000.05%0.00%

* Annual Percentage Yield (APY) is effective March 5, 2020 and subject to change at any time.

Type of LoanMaximum TermAPR*Payment**
Personal (Unsecured)5 years8.99%$20.75
Personal (Secured)10 yearsSEE BELOW***

*Annual Percentage Rate(APR) is accurate as of 10/1/2019 and subject to change without notice. THE RATES ON THE ABOVE FIXED TERM LOANS WILL BE REDUCED BY .25% FOR CUSTOMERS ELECTING AUTOMATIC PAYMENTS FROM AN LCB DEPOSIT ACCOUNT.   Rates and payments shown here are available to borrowers with an excellent credit history.  The actual interest rates, APRs and fees available to you will be based on your credit history and may be different than the rates displayed here. All loans subject to credit approval.   Please contact any Landmark Branch for additional information.

** Payment is per $1,000.00 based on maximum loan terms.

*** APR is equal to the interest rate of the LCB deposit product securing the loan PLUS 2.50% APR.

Please call your local branch for current auto loan information.

1st Lien

$5,000.00 and 60 month minimum terms

Terms for 1st LienAPR*Payment**
5 years3.25%$18.08
10 years3.40%$9.84
15 years3.60%$7.20
2nd Lien

$5,000.00 and 60 month minimum terms

Terms for 2nd LienAPR*Payment**
5 years3.40%$18.15
10 years3.60%$9.94
15 years3.85%$7.32

*Annual Percentage Rate(APR) is accurate as of 3/13/2020 and subject to change without notice. THE RATES ON THE ABOVE FIXED TERM LOANS INCLUDE A .25% DISCOUNT FOR CUSTOMERS ELECTING AUTOMATIC PAYMENTS FROM AN LCB DEPOSIT ACCOUNT.   Rates and payments shown here are available to borrowers with an excellent credit history.  The actual interest rates, APRs and fees available to you will be based on your credit history and may be different than the rates displayed here. Payoff of loan within 36 months of account opening may result in the reimbursement of third party charges that were waived at consummation. All loans subject to credit approval.

**Payment is per $1,000 based on maximum terms shown. Please contact any Landmark Branch for additional information. Home equity loan to value ratio must not exceed 80%. Minimum loan is $5,000 and maximum loan amount is $250,000. Appraisal and Homeowner’s Insurance are required on all Home Equity Loans.  Property must be a 1 – 4 family primary residence or vacation home. Loan Originator Co. ID #408595

For First 6 MonthsCurrent Rate
1.99% APR*3.75% APR
NO ANNUAL FEES, NO CLOSING FEES**

* Landmark Community Bank Home Equity Line of Credit is a variable rate line of credit with an introductory Annual Percentage Rate (APR) of 1.99% for the first 6 months. After that, the APR will adjust based on the Wall Street Journal National Prime Rate with a minimum APR of 3.75% and a maximum APR of 18.00%. Current 3.75% APR is accurate as of 4/9/2020 and is subject to change without notice. The APR may adjust monthly. Maximum line availability is $250,000.00. Property must be a 1 – 2 family primary residence or vacation home. You will be required to maintain property insurance on the property during the loan term. You may be required to maintain flood insurance depending on the location of the property. Termination of line within 36 months of account opening may result in the reimbursement of third-party charges that were waived at consummation. Other terms and conditions may apply. Contact any Landmark Community Bank branch for additional information.

** No closing fees for lines up to $100,000.00. Closing fees generally range from $0.00 to $2,025.00 for a credit line over $100,000.00. Title insurance may be charged on loans over $100,000.00. Combined loan to value not to exceed 80%. Making minimum monthly payments during the 10-year draw period and 10-year repayment period will result in a balloon payment of $3,047.32 based on a $10,000.00 initial line advance. All loans subject to credit approval. See your tax advisor for questions about tax deductibility. Loan Originator Co. ID# 408595.

CertificatesRegular Interest RateRegular APY#
3 Months0.08%0.08% APY
6 Months0.22%0.22% APY
12 Months0.30%0.30% APY
18 Months0.30%0.30% APY
24 Months0.35%0.35% APY
36 Months0.38%0.38% APY
48 Months0.43%0.43% APY
60 Months0.55%0.55% APY
IRA CertificatesIRA**
Interest Rate
IRA**
APY#
12 Months0.30%0.30% APY
36 Months0.38%0.38% APY
60 Months0.55%0.55% APY

** IRA, RTH, EDU terms available only: 12 Mos., 36 Mos., & 60 Mos. No exceptions.

Early withdrawal penalties may apply, contact bank employee for further information regarding applicable fees and terms.
# Annual Percentage Yield (APY) is effective March 23, 2020 and subject to change unless otherwise notified.

BORROW UP TO $5,000.00

Loan TermAPR*
12 Months4.99%

* Annual Percentage Rate (APR) is accurate as of 11/1/2019 and subject to change without notice. THE RATE ON THE ABOVE FIXED TERM LOAN INCLUDES A .25% DISCOUNT FOR CUSTOMERS ELECTING AUTOMATIC PAYMENTS FROM A LANDMARK COMMUNITY BANK DEPOSIT ACCOUNT. The payment per $1,000 borrowed is $85.60 per month for a 12-month term and is based on a 700 or above credit score. All loans subject to credit approval. Other terms and conditions may apply. Offer expires 12/31/19. Please contact any Landmark Community Bank Branch for additional information. Loan Originator Co. ID #408595.

Dear Loyal Landmark Customers,

In an effort to protect our customers and employees by participating in the recommended social distancing, effective Tuesday, March 17, 2020 all banking transactions will be handled through our drive-through facilities or by appointment. Our hours of operations remain the same for the convenience of our customers.

Customers are also strongly encouraged to take advantage of our self-service banking options, including Online Banking, Mobile Banking and Telephone Banking (1-866-255-4188). These 24/7 services allow you to view account information, transfer funds, pay bills, deposit checks (mobile), as well as, find the nearest ATM.

We will continue to refer to the Centers for Disease Control and Prevention, the World Health Organization, and other public health agencies to determine the safest course of action as the situation evolves.

Sincerely,

Thomas V. Amico, President/CEO