Rates

We offer a full array of mortgage options and our prices are competitive with those of any lender.
 

Home Loan Rates

Conventional Loans




Product
Rate
APR
Points

30 Year Local Servicing

3.500%

3.575%

0.000%

15 Year Local Servicing

3.000%

3.127%

0.000%

10 Year Local Servicing

3.000%

3.185%

0.000%

Jumbo Loans




30 Year Portfolio Jumbo Fixed Rate

4.000%

4.045%

0.000%

15 Year Portfolio Jumbo Fixed Rate

3.375%

3.446%

0.000%

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Effective 01/24/2020 - rates are subject to change

The information provided on this page is for comparative purposes only. Rates and terms may change at any time and without prior notice. 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.

Rates shown above are based on a $165,000 loan amount for the purchase of a single family primary residence, a 60% LTV and a 740 FICO score. Payment amounts do not include taxes or insurance.

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 0.20% 0.20%
6-11 Months $2,500 0.25%
0.25%
12-23 Months $2,500 0.25% 0.25%
24-35 Months $2,500 0.35% 0.35%
36-47 Months $2,500 0.55% 0.55%
48-59 Months $2,500 0.65% 0.65%
60 Months $2,500 1.25% 1.26%
Effective December 19, 2019 - 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

1.75% 1.76%
$20,000.01 & Above
0.01%
1.76%-0.36%**
Rate on entire balance when requirements not met
0.01% 0.01%
**APY will vary depending on balance in account






Effective December 19, 2019 - 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 0.05% 0.05%
Effective December 19, 2019 - 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

0.05% 0.05%
$25,000 to $49,999.99

0.10% 0.10%
$50,000 to $99,999.99

0.15% 0.15%
$100,000 to $249,999.99

0.20% 0.20%
$250,000 and above

0.25% 0.25%
Effective December 19, 2019 - 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