Rates as of: August 5, 2024
Promotional Certificates of Deposit and Savings
| Term | Interest Rate | Annual Percentage Yield* | Min Balance for APY | Crediting Frequency |
|---|---|---|---|---|
| Premium Money Market | 3.54% | 3.60% | $2,500.00 | End Of Month |
| 3.74% | 3.80% | $50,000.00 | End Of Month | |
| 4.07% | 4.15% | $250,000.00 | End Of Month | |
| 13 Month CD Special | 4.88% | 5.00% | $0.01 | End Of Month |
| 13 Month IRA CD Special | 4.88% | 5.00% | $0.01 | End Of Month |
| 15 Month Breakable CD | 4.07% | 4.15% | $0.00 | End Of Month |
| 15 Month Promotional CD | 4.50% | 4.60% | $0.01 | End Of Month |
| 15 Month Promotional IRA CD | 4.50% | 4.60% | $0.01 | End Of Month |
| 24 Month Breakable CD | 4.26% | 4.35% | $0.00 | End Of Month |
All Promotional Certificate of Deposit (CD) products: The Annual Percentage Yield (APY) assumes that principal balance and interest earned remain on deposit until maturity. These rates may change at any time without prior notice. Minimum to open is $500; maximum opening CD balance $1,000,000. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal.
All Promotional Money Market (MM) accounts: APY rate assumes minimum reinvestment at the same rate for an annual period. These rates are variable and may change at any time without prior notice. Fees may reduce earnings.
Residential Fixed Rate Mortgages
Conventional
Other rates and terms available
** See important rate information below
** The displayed Rate and Annual Percentage Rate (APR) for loan products reflects the lowest interest rate and applicable closing costs. Some rates may include up to 1.0 discount point as an upfront cost to borrowers.The rate you receive may be higher, based on the loan amount, loan purpose, credit score, mortgage loan -to-value ratio, and other factors. Rates are subject to change at any time, including the same day. Consult a tax advisor for deductibility of interest.
NOTE: An example loan of $275,000 at 5.750% for 360 months would have monthly payments of $1,604.83. Payment does not include taxes and insurance premiums, where applicable. The APR of 5.886% includes no prepaid finance charge.
Adjustable-Rate Mortgages
Rates below for 30 yr. term (Up to $766,550)
Please contact us for rate and qualification criteria.
Jumbo-Fixed Rate Mortgages
($766,551 to $1,250,000)*
*Add .375% to above rates for loan amounts of $1,250,001 and above.
Other rates and terms available
** See important rate information below
** The displayed Rate and Annual Percentage Rate (APR) for loan products reflects the lowest interest rate and applicable closing costs. The rate you receive may be higher, based on the loan purpose, credit score, mortgage loan -to-value ratio, and other factors. Rates are subject to change at any time, including the same day. Consult a tax advisor for deductibility of interest.
NOTE: An example loan of $850,000 at 6.750% for 360 months would have monthly payments of $5,513.08. Payment does not include taxes and insurance premiums, where applicable. The APR of 6.797% includes no prepaid finance charge.
Jumbo Adjustable-Rate Mortgages
Rates below for 30 yr. term ($766,551 to $1,250,000)*
All Jumbo ARMs have a 2/6 Cap and 2.75% Margin
*Add .375% to above rates for loan amounts of $1,250,001 and above.
Other rates and terms available
Rates may increase after loan consummation.
** See important rate information below
** The displayed Rate and Annual Percentage Rate (APR) for loan products reflects the lowest interest rate and applicable closing costs. The rate you receive may be higher, based on the loan purpose, credit score, mortgage loan -to-value ratio, and other factors. Rates are subject to change at any time, including the same day. Consult a tax advisor for deductibility of interest.
NOTE: An example loan of $850,000 at 6.625% for 360 months would have monthly payments of $5,442.64. Payment does not include taxes and insurance premiums, where applicable. The APR of 7.001% includes no prepaid finance charge.
Bi-Weekly Mortgages
Other rates and terms available
** See important rate information below
** The displayed Rate and Annual Percentage Rate (APR) for loan products reflects the lowest interest rate and applicable closing costs. The rate you receive may be higher, based on the loan purpose, credit score, mortgage loan -to-value ratio, and other factors. Rates are subject to change at any time, including the same day. Consult a tax advisor for deductibility of interest.
NOTE: An example loan of $275,000 at 6.875% for 360 months would have monthly payments of $1,806.55. Payment does not include taxes and insurance premiums, where applicable. The APR of 6.922% includes no prepaid finance charge.
Home Equity Installment Loan
2nd lien position. Call for 1st lien position rates.
An example loan of $50,000 at 8.125% for 240 months would have monthly payments of $422.12. Payment does not include taxes and insurance premiums, where applicable. The APR of 8.125% includes no prepaid finance charge.
Home Equity Line of Credit
An example loan of $100,000 at 8.500% for 120 months would have monthly interest only payments of $708.33 (assuming a full draw from the available line and principal is not reduced.)
Home Equity Lines of Credit- Interest rate is variable, equal to the Wall Street Journal Prime Lending Rate Prime (8.500%) on loan amounts ranging from $10,000 to $1,000,000. These rates do not reflect 0.125% discount for automatic payments from a checking or savings account. The Interest Only line has a balloon payment due at the end of 10 years.
All rates, terms, and conditions are subject to change without notice.
Consult a tax advisor for deductibility of interest.
Personal Checking
| Account | Interest Rate | Annual Percentage Yield | Min Balance for APY | Crediting Frequency |
|---|---|---|---|---|
| Relationship Checking | .03% | .03% | $0.01 | End Of Month |
| .03% | .03% | $5,000.00 | End Of Month | |
| .03% | .03% | $25,000.00 | End Of Month |
APY rate assumes minimum reinvestment at the same rate for an annual period. These rates are variable and may change at any time without prior notice. Fees may reduce earnings for Personal Checking.
Personal Savings
| Account | Interest Rate | Annual Percentage Yield | Min Balance for APY | Crediting Frequency |
|---|---|---|---|---|
| Common Cents Savings | .15% | .15% | $0.01 | End Of Month |
| .15% | .15% | $5,000.01 | End Of Month | |
| Junior Statement | .05% | .05% | $25.00 | End Of Month |
| Statement | .05% | .05% | $100.00 | End Of Month |
| Ultra Money Market | .10% | .10% | $1,000.00 | End Of Month |
| .10% | .10% | $10,000.00 | End Of Month | |
| .15% | .15% | $25,000.00 | End Of Month |
APY rate assumes minimum reinvestment at the same rate for an annual period. These rates are variable and may change at any time without prior notice. Fees may reduce earnings for Personal Savings.
Certificates of Deposit
| Term | Interest Rate | Annual Percentage Yield* | Min Balance for APY | Crediting Frequency |
|---|---|---|---|---|
| 91 Day Certificate | .55% | .55% | $500.00 | End Of Month |
| 6 Month Certificate | .65% | .65% | $500.00 | End Of Month |
| 12 Month Certificate | .75% | .75% | $500.00 | End Of Month |
| 18 Month Certificate | .85% | .85% | $500.00 | End Of Month |
| 24 Month Certificate | 1.00% | 1.00% | $500.00 | End Of Month |
| 30 Month Certificate | 1.00% | 1.00% | $500.00 | End Of Month |
| 36 Month Certificate | 1.00% | 1.00% | $500.00 | End Of Month |
| 48 Month Certificate | 1.00% | 1.00% | $500.00 | End Of Month |
| 60 Month Certificate | 1.24% | 1.25% | $500.00 | End Of Month |
The Annual Percentage Yield (APY) assumes that principal balance and interest earned remain on deposit until maturity. These rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal.
Individual Retirement Accounts
| Term | Interest Rate | Annual Percentage Yield* | Min Balance for APY | Crediting Frequency |
|---|---|---|---|---|
| IRA Statement | .05% | .05% | $25.00 | End Of Month |
| 12 Month IRA Time Deposit | .75% | .75% | $500.00 | End Of Month |
| 18 Month Fixed IRA | .85% | .85% | $500.00 | End Of Month |
| 24 Month IRA | 1.00% | 1.00% | $500.00 | End Of Month |
| 30 Month IRA | 1.00% | 1.00% | $500.00 | End Of Month |
| 36 Month IRA | 1.00% | 1.00% | $500.00 | End Of Month |
| 48 Month IRA | 1.00% | 1.00% | $500.00 | End Of Month |
| 60 Month IRA | 1.24% | 1.25% | $500.00 | End Of Month |
Annual percentage yield produced after one full year of compounding. APY rate assumes minimum reinvestment at the same rate for an annual period. These rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. IRAs are subject to the terms and conditions established by the Internal Revenue Service. Please consult your tax advisor on how the IRA rules apply to your personal situation. Offer subject to change without notice.
