RatesHome Loans
Rates
We offer a full array of mortgage options and our prices are competitive with those of any lender.
Home Loan Rates
Conventional Loans |
Apply Now | ||
|---|---|---|---|
Product |
Rate || Points |
APR* |
Payment Schedule |
|
30 Year Local Servicing |
2.875% || 0.000% |
2.943% |
|
|
20 Year Local Servicing |
2.750% || 0.000% |
2.845% |
|
|
15 Year Local Servicing |
2.375% || 0.000% |
2.492% |
|
|
1 Year Construction Loan |
1.990% || 0.000% |
2.912% |
|
Jumbo Loans |
Apply Now | ||
|
30 Year Portfolio Jumbo Fixed Rate |
3.250% || 0.000% |
3.288% |
|
|
15 Year Portfolio Jumbo Fixed Rate |
2.750% || 0.000% |
2.812% |
|
Rates are effective 11/25/2020, all rates, points and programs are subject to change at any time. All loans are subject to credit approval.
*APR = Annual Percentage Rate; APR will vary based on final loan amount and finance charges.
Conventional Loans: APRs are based on a loan amount of $165,000 with 40% down payment, 1-4 unit owner occupied. Monthly payment does not include real estate taxes and homeowner’s insurance premium. The actual payment obligation may be higher.
Construction Loan: APRs are based on a loan amount of $300,000 for 12 months, interest payable monthly on advances made and a 20% down payment, 1-4 unit owner occupied.
Monthly payment does not include real estate taxes and homeowner’s insurance premium. The actual payment obligation may be higher.
Jumbo Loans: APRs are based on a loan amount of $520,000 with 25% down payment, single family owner occupied. Monthly payment does not include real estate taxes and homeowner’s insurance premium. The actual payment obligation may be higher.
The information provided on this page is for comparative purposes only. Your actual rate, terms and costs could be different; get an official Loan Estimate before choosing a loan. Your rate, fees and terms may differ based on when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, loan to value (LTV) ratio, etc.
State Bank of Cross Plains NMLS# 441735
Whether you are looking for short term or long term, we have accounts that will help you achieve your financial goals.
Fixed Rate Certificate of Deposit / IRAs / ESAs
| Type | Min. Opening Balance | Interest Rate | APY* |
|---|---|---|---|
| 3 Months | $2,500 | 0.03% | 0.03% |
| 6-11 Months | $2,500 | 0.08% |
0.08% |
| 12-23 Months | $2,500 | 0.13% | 0.13% |
| 24-35 Months | $2,500 | 0.19% | 0.19% |
| 36-47 Months | $2,500 | 0.27% | 0.27% |
| 48-59 Months | $2,500 | 0.35% | 0.35% |
| 60 Months | $2,500 | 0.41% | 0.41% |
Effective November 17, 2020 - Rates subject to change
*APY = Annual Percentage Yield
Balance computation method: We use the daily balance method to calculate interest, by which a daily periodic rate is applied to the balance in the account each day.
Tiered-Rate Accounts: Health Savings Account, Premium Plus Money Market - Interest is calculated on the entire balance each day at the rate in effect for the balance tier. Prestige Checking - Interest is calculated on the portion of balance in the specified balance tier each day at the rate in effect for the tier.
Certificates of Deposit/IRAs/ESAs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. The interest rate will be paid until the maturity date of your CD. The Annual Percentage Yield assumes interest will remain on deposit until maturity. If you withdraw interest during the term, earnings will be reduced. A penalty may be imposed for early withdrawal. You may redeem automatically renewable CDs without penalty during the 10-day grace period following maturity. Additional deposits may be made according to terms and conditions of the account. Non-renewable CDs do not pay interest after maturity. Fees could reduce earnings on accounts.
Personal Savings, Junior Savings, Money Market IRAs & Money Market ESAs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
Health Savings Account, Premium Plus Money Market & Prestige Checking: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid monthly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
CD= Certificate of Deposit, IRA = Individual Retirement Account, ESA= Education Savings Account
Whether you are looking for short term or long term, we have accounts that will help you achieve your financial goals.
Interest Bearing Checking
| Type | Min. Opening Balance | Interest Rate | APY* |
|---|---|---|---|
| Prestige Checking: | None | ||
| $0 to $20,000 |
0.15% | 0.15% | |
| $20,000.01 & Above | 0.01% |
0.15% - 0.04%** | |
| Rate on entire balance when requirements not met | 0.01% | 0.01% | |
| **APY will vary depending on balance in account | |||
Effective November 17, 2020 - Rates subject to change
*APY = Annual Percentage Yield
Balance computation method: We use the daily balance method to calculate interest, by which a daily periodic rate is applied to the balance in the account each day.
Tiered-Rate Accounts: Health Savings Account, Premium Plus Money Market - Interest is calculated on the entire balance each day at the rate in effect for the balance tier. Prestige Checking - Interest is calculated on the portion of balance in the specified balance tier each day at the rate in effect for the tier.
Certificates of Deposit/IRAs/ESAs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. The interest rate will be paid until the maturity date of your CD. The Annual Percentage Yield assumes interest will remain on deposit until maturity. If you withdraw interest during the term, earnings will be reduced. A penalty may be imposed for early withdrawal. You may redeem automatically renewable CDs without penalty during the 10-day grace period following maturity. Additional deposits may be made according to terms and conditions of the account. Non-renewable CDs do not pay interest after maturity. Fees could reduce earnings on accounts.
Personal Savings, Junior Savings, Money Market IRAs & Money Market ESAs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
Health Savings Account, Premium Plus Money Market & Prestige Checking: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid monthly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
CD= Certificate of Deposit, IRA = Individual Retirement Account, ESA= Education Savings Account
Whether you are looking for short term or long term, we have accounts that will help you achieve your financial goals.
Savings Accounts
| Type | Min. Opening Balance | Interest Rate | APY* |
|---|---|---|---|
| Personal/Junior Savings | None | 0.03% | 0.03% |
Effective November 17, 2020 - Rates subject to change
*APY = Annual Percentage Yield
Balance computation method: We use the daily balance method to calculate interest, by which a daily periodic rate is applied to the balance in the account each day.
Tiered-Rate Accounts: Health Savings Account, Premium Plus Money Market - Interest is calculated on the entire balance each day at the rate in effect for the balance tier. Prestige Checking - Interest is calculated on the portion of balance in the specified balance tier each day at the rate in effect for the tier.
Certificates of Deposit/IRAs/ESAs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. The interest rate will be paid until the maturity date of your CD. The Annual Percentage Yield assumes interest will remain on deposit until maturity. If you withdraw interest during the term, earnings will be reduced. A penalty may be imposed for early withdrawal. You may redeem automatically renewable CDs without penalty during the 10-day grace period following maturity. Additional deposits may be made according to terms and conditions of the account. Non-renewable CDs do not pay interest after maturity. Fees could reduce earnings on accounts.
Personal Savings, Junior Savings, Money Market IRAs & Money Market ESAs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
Health Savings Account, Premium Plus Money Market & Prestige Checking: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid monthly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
CD= Certificate of Deposit, IRA = Individual Retirement Account, ESA= Education Savings Account
Whether you are looking for short term or long term, we have accounts that will help you achieve your financial goals.
Premium Plus Money Market
| Type | Interest Rate | APY* | |
|---|---|---|---|
| $0-$24,999.99 |
0.01% | 0.01% | |
| $25,000 to $49,999.99 |
0.03% | 0.03% | |
| $50,000 to $99,999.99 |
0.05% | 0.05% | |
| $100,000 to $249,999.99 |
0.07% | 0.07% | |
| $250,000 and above |
0.10% | 0.10% |
Effective November 17, 2020 - Rates subject to change
*APY = Annual Percentage Yield
Balance computation method: We use the daily balance method to calculate interest, by which a daily periodic rate is applied to the balance in the account each day.
Tiered-Rate Accounts: Health Savings Account, Premium Plus Money Market - Interest is calculated on the entire balance each day at the rate in effect for the balance tier. Prestige Checking - Interest is calculated on the portion of balance in the specified balance tier each day at the rate in effect for the tier.
Certificates of Deposit/IRAs/ESAs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. The interest rate will be paid until the maturity date of your CD. The Annual Percentage Yield assumes interest will remain on deposit until maturity. If you withdraw interest during the term, earnings will be reduced. A penalty may be imposed for early withdrawal. You may redeem automatically renewable CDs without penalty during the 10-day grace period following maturity. Additional deposits may be made according to terms and conditions of the account. Non-renewable CDs do not pay interest after maturity. Fees could reduce earnings on accounts.
Personal Savings, Junior Savings, Money Market IRAs & Money Market ESAs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
Health Savings Account, Premium Plus Money Market & Prestige Checking: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid monthly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
CD= Certificate of Deposit, IRA = Individual Retirement Account, ESA= Education Savings Account