Rates
Home Loans
We offer a full array of mortgage options and our prices are competitive with those of any lender.
Conventional Loans
Apply NowProduct | Rate | Points | APR* | Payment Schedule |
---|---|---|---|---|
30 Year Local Servicing | 5.375% | 0.000% | 5.479% | 359 payments of $923.95 at an interest rate of 5.375% 1 payment of $926.27 at an interest rate of 5.375% |
20 Year Local Servicing | 4.875% | 0.000% | 5.007% | 239 payments of $1077.57 at an interest rate of 4.875% 1 payment of $1075.65 at an interest rate of 4.875% |
15 Year Local Servicing | 4.500% | 0.000% | 4.622% | 179 payments of $1262.24 at an interest rate of 4.500% 1 payment of $1261.94 at an interest rate of 4.500% |
1 Year Construction Loan | 1.990% | 0.000% | 3.008% | 12 payments of interest only on the amount of credit outstanding during the construction period at an interest rate of 1.990% 1 payment of $300,000 at maturity |
Jumbo Loans
Apply NowProduct | Rate | Points | APR* | Payment Schedule |
---|---|---|---|---|
30 Year Portfolio Jumbo Fixed Rate | 5.25% | 0.000% | 5.306% | 359 payments of $3,574.41 at an interest rate of 5.250% 1 payment of $3,578.65 at an interest rate of 5.250% |
15 Year Portfolio Jumbo Fixed Rate | 4.375% | 0.000% | 4.457% | 179 payments of $4910.55 at an interest rate of 4.375% 1 payment of $4,910.49 at an interest rate of 4.375% |
Certificate of Deposits
Fixed Rate Certificate of Deposit/IRAs/ESAs
Learn MoreType | 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 | 0.10% | 0.10% |
24-35 Months | $2,500 | 0.15% | 0.15% |
36-47 Months | $2,500 | 0.23% | 0.23% |
48-59 Months | $2,500 | 0.31% | 0.31% |
60 Months | $2,500 | 0.38% | 0.38% |
Checking
Interest Bearing Checking
Learn MoreType | Min. Opening Balance | Interest Rate | APY* |
---|---|---|---|
Prestige Checking: | None | ||
$0 to $20,000 | 0.03% | 0.03% | |
$20,000.01 & Above | 0.01% | 0.03% - 0.01% | |
Rate on entire balance when requirements not met | 0.01% | 0.01% | |
*APY will vary depending on balance in account |
Savings
Savings Accounts
Learn MoreType | Min. Opening Balance | Interest Rate | APY* |
---|---|---|---|
Personal/Junior Savings | None | 0.01% | 0.01% |
Premium Plus Money Market
Premium Plus Money Market
Type | Interest Rate | APY* |
---|---|---|
$0-$24,999.99 | 0.06% | 0.06% |
$25,000-$49,999.99 | 0.07% | 0.07% |
$50,000-$99,999.99 | 0.10% | 0.10% |
$100,000-$249,999.99 | 0.12% | 0.12% |
$250,000 and Above | 0.17% | 0.17% |
Home Loan Rates are effective 07/07/2022, 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 Purchase Transactions, on a loan amount of $165,000 with 40% down payment, 1 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 $647,300 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
CD, Checking, Savings and Premium Plus Money Market rates effective May 5, 2022 - 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.