Rates

Contact your nearest Branch Office for additional rate information.


Rates are subject to change at any time.

 

APR = Annual Percentage Rate

 

APY = Annual Percentage Yield  

 

Auto Loan
  Model Year   Month Term   Fixed APR
        
  2017-2019 - NEW   Up to 51 mos.   2.74%
  2017-2019 - NEW   52 - 63 mos.   2.99%
  2017-2019 - NEW   64 - 75 mos.   3.49%
  2017-2019 - NEW   76 - 84 mos.   4.74%
  2016-2018 - USED   Up to 63 mos.   3.50%
  2016-2018 - USED   64 - 75 mos.   4.00%
  2012-2015 - USED   Up to 51 mos   3.75%
  2012-2015 - USED   52 - 63 mos,   4.25%
  2008-2011 - USED   Up to 51 mos.   6.50%
        
        
        
Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all.
Please note: Vehicle is considered used, for any model year, if it has 20,000 or more miles.
* APR - Annual Percentage Rate. Annual Percentage Rate based on credit qualifications. Rate subject to change.

Adjustable Rate Mortgages (ARMS)
  Term   Rate   APR *
  1/1 ARM   3.125%   3.887%
  3/3 ARM   3.375%   4.027%
  5/5 ARM   4.000%   4.235%
  15/15 ARM   4.375%   4.476%
  Construction to Perm 5/5 ARM   4.000%   4.349%
  Construction to Perm 15/15 ARM   4.375%   4.596%
Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. * This APR is subject to change based on the mortgage plan selected. *APR is based on a loan amount of $80,000.00 *Minimum loan amount of $20,000.00 for the 1/1, 3/3 and 15/15 ARM, maximum of $453,100.00. ** Minimum loan amount of $50,000.00 for the 5/5 ARM, maximum of $453,100.00. ** Minimum loan term is 10 years, maximum loan term is 30 years * 1/1 Year ARM has an annual cap of 2.00%, with a 6% lifetime cap. ** 3/3 Year ARM has a 2.00% cap every 3 years, with a 6% lifetime cap. ** 5/5 Year ARM has a 2.00% cap every 5 years, with a 6% lifetime cap. * 15/15 Year ARM has a 6.00% cap every 15 years, with a 6% lifetime cap. * Adjustable Rate Loans are assumable under certain conditions. *The 1/1, 3/3, and 5/5 year ARMs are based on the 1 year LIBOR index. The 15/15 ARM is based on the 10 year Treasury bill.
Fixed Rate Mortgages (FRMS)
  Term   Rate   APR *
  10 Year Fixed   4.125%   4.318%
  15 Year Fixed   4.125%   4.259%
  20 Year Fixed   4.375%   4.569%
  30 Year Fixed   4.625%   4.768%
Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. * This APR is subject to change based on the mortgage plan selected. *APR is based on a loan amount of $80,000.00 ** Maximum Purchase & Limited Cash Out Transactions - 97% LTV. Over 95% LTV is subject to additional conditions. Private Mortgage Insurance(PMI) is required on loans over 80% LTV. ** Maximum Cash-Out Refinance - 80% LTV. ** Maximum loan amount is $453,100.00. * Fixed rate loans are fully amortized and the Principle and Interest payment will remain the same during the life of the loan. * Fixed rate loans are not assumable.
First Time Home Buyer (FTHB)
  Term   Rate   APR *
  30 Year Fixed   5.625%   5.673%
Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. * This APR is subject to change based on the mortgage plan selected. *APR is based on a loan amount of $80,000.00* * Minimum loan amount of $30,000.00 maximum of $453,100.00. * Maximum Purchase Transaction - 97% LTV. PMI is not required. 10, 15 & 20 Year terms are available. * Fixed rate loans are fully amortized and the Principle and Interest payment will remain the same during the life of the loan. * FTHB loans are not assumable.

Home Equity
  Term   Rate   APR *
  Adjustable-Rate HELOC      
  90% LTV Max   5.250%   5.250%
  70% LTV Max   4.500%   4.500%
  Fixed-Rate HELOC      
  90% LTV Max   6.250%   6.250%
  70% LTV Max   5.000%   5.000%
  Closed-end Home Equity Loan      
  90% LTV Max   6.250%   6.250%
  70% LTV Max   5.000%   5.000%
        
        
*NOTE: Rates are based on individual credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. *The minimum rate on the Adjustable Rate HELOC is 4.500%. *The maximum rate on the Adjustable Rate HELOC is 18.00%.

Home Equity
  Term   Rate   APR *
  Adjustable-Rate HELOC      
  90% LTV Max   5.250%   5.250%
  70% LTV Max   4.500%   4.500%
  Fixed-Rate HELOC      
  90% LTV Max   6.250%   6.250%
  70% LTV Max   5.000%   5.000%
  Closed-end Home Equity Loan      
  90% LTV Max   6.250%   6.250%
  70% LTV Max   5.000%   5.000%
        
        
*NOTE: Rates are based on individual credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. *The minimum rate on the Adjustable Rate HELOC is 4.500%. *The maximum rate on the Adjustable Rate HELOC is 18.00%.

Certificates
  Account   Term   Minimum Balance   APY
  6 Months   6 Months   $2500.00   0.40%
  1 Year   1 Year   $1000.00   1.25%
  * 1 Year Youth   1 Year   $500.00   1.25%
  *1 Year Youth Education   1 Year   $500.00   1.25%
  1 Year HSA   1 Year   $1000.00   1.25%
  Easy Save   1 Year   $250.00   0.25%
  18 Month   18 Month   $2500.00   1.25%
  2 Year   2 Years   $1000.00   1.30%
  3 Year   3 Years   $1000.00   2.00%
  4 Year   4 Years   $1000.00   1.85%
  5 Year   5 Years   $1000.00   2.25%
  5 Year IRA (Traditional/Roth)   5 Years   $1000.00   2.25%
*The Youth Certificate is for children 17 and under.
*IRA share certificates have a minimum balance of $1,000.00 and are available in terms 6 months thru 5 years. New product IRA Easy Save share certificate at 0.025% APY with a $250.00 minimum can make contributions to share certificate through out the term of the certificate.
IRA
  Rate   APY
  .20%   .20%
Savings
  Minimum Balance   APY
  0 - $9,999   .05%
  $10,000 - $24,999.99   .10%
  $25,000 - $49,999.99   .20%
  $50,000 - $99,999.99   .30%
  $100,000 & UP   .40%
Checking
  Rate   APY
  0.15%   0.15%
     
Dividend available with Premium and Military Checking Accounts-no minimum balance required. Also available with Gold and Superior Checking Accounts (must maintain $2000 minimum balance. If balance drops below $2000, then a $10 fee will be incurred.) See checking account page for full details on all checking account programs.
Money Market
  Minimum Balance   APY
  $0 - $4,999.99   0.20%
  $5,000 - $14,999.99   0.25%
  $15,000 - $24,999.99   0.35%
  $25,000-$49,999.99   0.45%
  $50,000-$99,999.99   0.60%
  $100,000 & UP   0.65%
Dividends are earned daily and posted monthly. There is no minimum balance requirement.
Premier Money Market
  Minimum Balance   APY
  $25,000.00   0.65%
Rates on the Premier Money Market Account may change monthly. The Premier Money Market has a required minimum balance of $25,000 to earn dividends and open account.
Health Savings Accounts
  Account   Amount      APY
  HSA Checking   $0   $4,999.99   0.10%
  HSA Checking   $5,000   $14,999.99   0.20%
  HSA Checking   $15,000   $24,999.99   0.30%
  HSA Checking   $25,000   $49,999.99   0.40%
  HSA Checking   $50,000   $99,999.99   0.50%
  HSA Checking   $100,000   & UP   0.55%
           
           
           
Please call or visit a branch convenient for you to get the tiered Health Savings Rates.
Business Services Accounts
  Account   Amount      APY
  Preferred Business Checking   $0   $24,999.99   0.20%
  Preferred Business Checking   $25,000   $99,999.99   0.40%
  Preferred Business Checking   $100,000   & UP   0.55%

Signature Loan
  Term   Fixed APR
  12 Month   10.50% - 18.00%
  24 Month   10.50% - 18.00%
  36 Month   10.50% - 18.00%
  48 Month   10.50% - 18.00%
  60 Month   10.50% - 18.00%
* APR - Annual Percentage Rate. Annual Percentage Rate based on credit qualifications. Rate subject to change.