Millenium Free | Millennium Plus | Prime Time | Advantage Checking
Premier Money Market | Personal Savings | Young Investor Savings | Rates Real Estate Loans | Personal Loans

Millennium Free:

• Opening w/ $50.00 or Direct Deposit
• Unlimited Check Writing
• No Minimum Balance
• ATM/Debit Card available
• Free Online Banking
• Truncated statement

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Millennium Plus:

• Opening w/ $100.00 or Direct Deposit
• Unlimited Check Writing
• Monthly service charge: $3.00
• To avoid service charge minimum balance of $500.00 required
• ATM/Debit Card available
• Free Online Banking
• Imaged Statement
• Bill Pay Available

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Prime Time:

• Opening w/ $100.00 or Direct Deposit
• Unlimited Check Writing
• Interest earned on daily available balances over $1,000
• Monthly service charge of $3.00 if falls below minimum balance of $300
• Imaged Statement
• Free Online Banking
• Debit/ATM Card available
• First year free SDBX (3x10 as available)
• 1st check order (basic checks) free
• Age 50 and above
• Bill Pay Available

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Advantage Checking:

• Opening w/ $1,000
• Minimum balance to avoid service charge $1,000
• service charge if balance falls below minimum: $10.00
• Interest earned on daily available balance
• Debit/ATM available
• Free Online Banking
• Imaged Statement
• Bill Pay Available

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Premier Money Market:

• Opening w/ $1,000
• Minimum balance to avoid service charge: $1,000
• service charge if balance falls below minimum: $10.00
• 6 withdrawals including 3 checks-Free/Additional Debits: $3.00 each
• Debit/ATM available
• Free Online Banking
• Imaged statement
• Interest earned on daily available balance

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Personal Savings:

• Opening w/ $100.00
• Monthly service charge: $2.00
• Minimum balance to avoid service charge: $100.00
• 3 free withdrawals then $2.00 a debit
• Interest paid quarterly
• Statements quarterly

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Young Investor Savings:

• Opening w/ $10.00 (17 and under)
• No monthly service charge
• No minimum balance
• 2 free withdrawals then $2.00 a debit
• Interest paid quarterly
• Statements quarterly
• Converts to regular savings at age 18

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REAL ESTATE LOANS

The most important and expensive investment you are likely to ever make is buying your home. Selecting the best mortgage product among the confusion and stress arising from paperwork, legal issues, real estate agents, and hard to understand terminology can be a confusing and stressful experience. At Millennium Bank, we are committed to taking the hassle out of the experience of buying a home. That is why our experienced mortgage lenders offer a vast range of mortgage products designed to offer you the most competitive features with competitive rates, flexible terms, fast loan approval processing, and flexible meeting times.

At Millennium Bank we offer

• FREE Loan Pre-Qualification
• No Application Fee
• Competitive Rates and Personal Service
  We have several convenient ways to apply.

Our mortgage lenders are available when it is convenient for you, not us!

• To request an application: Click Here!
• To download an application: Click Here
• To find out how much house you can afford, Click Here to try our Real Estate Calculator
• Stop in and visit with our Real Estate Loan Officer or call and schedule an appointment for your convenience at: 785-761-2265.

Some of the Loan Types Millennium Bank has available for you:

• VA Loans
• Rural Housing Development Loans
• Conventional Conforming Fixed Rate
• Adjustable Rate/Balloon Mortgages
• Investment Property
• First Time Homebuyers/with assistance
• Construction
• Bridge Loans

Fixed-Rate Mortgages:
If you plan on staying in your home for several years and like the stability of a fixed interest rate, our Fixed-Rate Mortgage is ideal for you.

Adjustable-Rate Mortgages:
If you plan to stay in your home over a shorter period of time, or expect your income to rise in a few years, our lower-rate Adjustable-Rate Mortgage may be right for you.

Fixed or Adjustable-Rate Mortgages:

• Choose a variety of options
• Get a fast decision – we can usually accommodate any commitment or closing requirement
• Save time and get pre-qualified for a mortgage even before you start looking. This way you will know how much you can borrow and the price you can afford.

Construction:
There are lots of new homes under construction these days. If you need a short term loan to cover the costs of building your new home, we have it! We can also provide loans that will fund the purchase, development costs and interim financing of residential developments. Pay interest only during the construction phase and when the home is completed convert to a conventional or non-conventional mortgage. Remember, you must qualify for a Conventional or Non-Conventional mortgage loan.

Bridge Loans:
We can provide short term loans that let you buy or build a new home before selling your current residence.

For more information about our real estate loans please contact a Millennium Bank Real Estate Loan Officer at 785-761-2265 or by e-mail at to help you with your real estate needs.

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• AUTO LOAN – If you’re in the market for a new or used car or truck, Millennium Bank has affordable loans for you. Click Here to request an application.
• RECREATIONAL VEHICLE – If you’re looking to buy that new RV, Boat, Jet Ski or other recreational vehicle, Millennium Bank has the loan to fit your needs. Click Here to request an application.
• PERSONAL LOAN – If you need to take a vacation or make any other personal purchase, Personal Loan Officers make it easy because they, most likely, know you personally and understand your needs. Click Here to request an application.
• HOME EQUITY LINE OF CREDIT – An affordable and smart way to make home improvements, pay for college, consolidate debt, or meet any other goal. Millennium Bank Home Equity Line of Credit is a great choice. Borrow and re-borrow whenever you need to, for any purpose. Have funds available quickly and easily by writing a check. When you are approved for our home equity line of credit, you are assigned a credit limit. You may use as much or as little of your available credit however you wish, whenever you need it, and make no payments until you actually use your credit line.

By obtaining a Home Equity Line of Credit you can also Take Advantage of Tax Savings (need to consult a tax advisor regarding the deductibility of interest). Other advantages are:

• Get a competitive rate with a variety of terms
• Have flexible terms
• Your funds are quickly accessible by simply writing a check
• Borrow and re-borrow whenever you need to
• Get fast decisions
• Get pre-approved before you start shopping
• Have the convenience of having your payments automatically deducted from your Millennium Bank savings or checking account

Millennium Bank has several convenient ways to apply:

• Click Here to request an application.
• Talk with a Millennium Bank Loan Officer or apply by phone call 785-761-2265.

For more information on our Personal Loan programs, talk to one of our Personal Loan Officers by calling: 7785-761-2265 or stop by the office at: 121 N. Washington in Junction City, Kansas. Please note that our temporary address is 203 S. Washington, Junction City, KS 66441. E-Mail address is: .

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EQUAL HOUSING LENDER