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Rates

It all comes down to the numbers. And with us, everything adds up nicely.

 

CD/IRA

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TermInterest Rate/APY3m6m1yr2yr3yr4yr5yr
$1,000.00 TO $9,999 Interest Rate 0.10 0.25 0.40 0.70 0.90 1.24 1.34
  APY 0.10 0.25 0.40 0.70 0.90 1.25 1.35
$10,000 TO $99,999 Interest Rate 0.25 0.35 0.50 0.80 1.05 1.34 1.44
  APY 0.25 0.35 0.50 0.80 1.05 1.35 1.45
OVER $100,000 Interest Rate 0.25 0.35 0.50 0.80 1.05 1.34 1.44
  APY 0.25 0.35 0.50 0.80 1.05 1.35 1.45

Stated APYs will be effective for accounts opened 08/08/2013 or after and assumes that Certificates will be held for the full term. A substantial penalty will be imposed for early withdrawal. Fees may reduce earnings.
1 APY = Annual Percentage Yield

Mortgage

Type of MortgageTermRateAPR2PointsPayment4,5
Conventional Fixed Rate $100,000 and over1 15 years 4.375% 4.615% 0 $758.62
  30 Years 4.875% 5.018% 0 $529.21

FHA $50,000 and Over3

         

VA6

15 years 4.375% 4.826% 0 $770.00
  30 years 4.625% 5.080% 0 $521.85

Rates as of 11/16/2018.

Rates are not guaranteed until you sign a locked interest rate agreement. Rates are subject to change without notice. Rates and terms vary depending on the specific loan characteristics and applicant credit profile. Other rates and products are available, including VA loans. Rates quoted are for single family, owner occupied, primary residence only.

1 Jumbo loans (loan amount greater than $417,000) and loans less than $100,000 may differ in rate.

2 These Rates and Annual Percentage Rates (APR) assume a loan amount of $100,000 with a 20% down payment. A down payment of less than 20% would require private mortgage insurance, which would increase the APR.

3 FHA Loans require an upfront and an annual mortgage insurance premium. This rate and annual percentage rate includes a mortgage insurance payment added to the monthly principal and interest payment.

4 Payment equals the monthly principal and interest payment for conventional loans. The FHA payment includes the monthly mortgage insurance premium.

5 Payments do not include amounts for taxes and insurance premiums.  The actual payment obligation will be greater.   

6 Assume a loan amount of $100,000 with 20% down.  VA funding fee is not included in this example.

Checking

Types of AccountsMinimum Deposit to OpenBalance Required to Obtain APYInterest RateAPYPer Check ChargeService Charge
Four Star Checking $100 N/A N/A N/A None $6.00 if balance falls below $1,000.00 
Basic Personal Checking $100 N/A N/A N/A None None
Money Market Checking $2,500 $0 - $2,499.99  .05% .05% None $7.50 if balance falls below $1,000.00 
    $2,500-$49,999.99  .10% .10%    
    $50,000.00 - $99,999.99  .20% .20%    
    $100,000- $499,999.99  .30% .30%    
    $500,000+  .40% .40%    
Now Checking $1,000 None .05% .05%   $7.50 if balance falls below $1,000.00 

APY = Annual Percentage Yield; calculated as of 03/30/2017. Rates may change after the account is opened. Fees could reduce the earnings of the account.


Savings

Types of Accounts Minimum Deposit to Open Balance Required to Obtain APY Interest Rate APY Service Charge
Four Star Savings $100 No minimum balance .10% .10% $5.00 if balance falls below $100.00 
Regular Savings $100 No minimum balance .05% .05% $5.00 if balance falls below $100.00 
Money Market Savings $2,500 $0-$2,499.99  .05% .05% $7.50 if balance falls below $1,000.00 
    $2,500 - $49,999.99  .10% .10%  
    $50,000 - $99,999.99 .20% .20%  
    $100,000 - $499,999.99  .30% .30%  
    $500,000+  .40% .40%  
Money Market Index Account $20,000 $20,000 .448% .45% $7.50 if balance falls below $1000.00. 

APY = Annual Percentage Yield; calculated as of 11/15/2018. Rates may change after the account is opened. Fees could reduce the earnings of the account.

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