Current Rates
Loans
Fixed Rate Mortgage*Effective 04/20/2021 |
|||
| Product | 0 Points | ||
| Interest Rate | APR | Payment / $1000 | |
|---|---|---|---|
| 30 Year | 3.000% | 3.081% | $4.22 |
| 20 Year | 2.875% | 2.994% | $5.77 |
| 15 Year | 2.375% | 2.516% | $6.61 |
| 10 Year | 2.250% | 2.456% | $9.31 |
PLEASE CALL FOR RATES ON LOANS WITH 1 POINT, 2 POINTS OR OUR NO POINTS NO CLOSING COSTS PROGRAM
*Interest Rates and APR are subject to change without notice. Interest rates posted are considered benchmark rates, additional points or higher rates may be applicable. Ask your Home Loan Specialist for details as they apply to you. APR is annual percentage rate and is accurate as of the effective date. LTV – The loan-to-value ratio is the amount of a first mortgage lien as a percentage of the total appraised value of the real property. Loans exceeding 80% loan-to-value require Private Mortgage Insurance (PMI). Rate assumes 40% down payment. Payment amounts on the above product does not include taxes and insurance. Your final payment may be greater. Jumbo mortgages are loans which exceed your county’s maximum conforming loan limit. Please consult one of our Home Loan Specialists for more detail on Jumbo loan options. Subject to credit approval.
Adjustable Rate
|
||||||
| Product | 0 Points | 1 Point/2 Points/NPNCC | ||||
|---|---|---|---|---|---|---|
| Interest Rate | APR | Payment / $1000 | Interest Rate | APR | Payment / $1000 | |
| 5/1 ARM | 4.240% | 4.453% | $4.91 | Please call for options | ||
| 7/1 ARM | 4.490% | 4.704% | $5.06 | Please call for options | ||
*Interest Rates and APR are subject to change without notice. Interest rates posted are considered benchmark rates, additional points or higher rates may be applicable. Ask your Home Loan Specialist for details as they apply to you. APR is annual percentage rate and is accurate as of the effective date. Adjustable rate programs are based on a 30 year term. The rate may increase after the initial period. The fully indexed rate is equal to a margin plus the current one-year T-Bill. Payment amounts on the above product does not include taxes and insurance. Your payments may be greater. Loans exceeding 80% loan-to-value require Private Mortgage Insurance (PMI). Rate assumes 20% down payment.. Subject to credit approval.
Fixed Rate Construction*Effective 04/20/2021 |
||||||
| Product | 0 Points | 1 Point/2 Points | ||||
|---|---|---|---|---|---|---|
| Interest Rate | APR | Payment / $1000 | Interest Rate | APR | Payment / $1000 | |
| 30 Year | 3.375% | 3.458% | $4.42 | Please call for options | ||
| 20 Year | 3.250% | 3.365% | $5.67 | Please call for options | ||
| 15 Year | 2.750% | 2.892% | $6.79 | Please call for options | ||
| Land Loan | 7.500% | 7.634% | $6.99 | Please call for options | ||
*Interest Rates and APR are subject to change without notice. Interest rates posted are considered benchmark rates, additional points or higher rates may be applicable. Ask your Home Loan Specialist for details as they apply to you. APR is annual percentage rate and is accurate as of the effective date. LTV – The loan-to-value ratio is the amount of a first mortgage lien as a percentage of the total appraised value of the real property. Loans exceeding 80% loan-to-value require Private Mortgage Insurance (PMI). Rate assumes 20% down payment. Payment amounts on the above product does not include taxes and insurance. Your final payment may be greater. Subject to credit approval.
Adjustable Rate Construction
Please call for options.
Home Improvement Loan
Please call for rates.
Jumbo Loans
Please call for options.
Home Equity*Effective 04/20/2021 |
||||||
| Product | Interest Rate | APR | Payment/$1,000 | |||
|---|---|---|---|---|---|---|
| Home Equity Line | 2.99% for 12 months then Prime -.50% for life of the loan* | 3.250%* | $2.71 | |||
| *Wall Street Journal Prime Rate | 3.250% | |||||
| 5 YR Home Equity Loan | 4.240% | 4.240% | $18.53 | |||
| 10 YR Home Equity Loan | 4.490% | 4.490% | $10.36 | |||
| 15 YR Home Equity Loan | 4.990% | 4.990% | $7.90 | |||
| 20 YR Home Equity Loan | 5.240% | 5.240% | $6.73 | |||
*Some additional facts: Available on 1-2 family owner-occupied homes and condominiums only. Loans available from $10,000 and up. You may borrow up to 100% combined loan to value; Loans exceeding 80% LTV may have higher rates and terms and require PMI. Property insurance required. After the introductory rate period, the Annual Percentage Rate (APR) will adjust monthly based on the highest Wall Street Journal published Prime Rate on the last business day of each month minus .50%. Introductory APR is available only if client has an existing or opens a new CareChecking account. APR is Prime -.50% if client does not have a required checking account. Other restrictions may apply. Rate will never exceed 18% APR or drop below 3.25% APR. If the line is closed within 3 years, the Bank’s closing costs must be repaid. Interest may be tax-deductible. Ask your tax advisor.
Auto Loan*
Please call for rates.
*Interest Rates and APR are subject to change without notice. APR is annual percentage rate and is accurate as of the effective date. Rates shown for minimum loan of $1,000 – loan to value amount is 95% for new and used cars. Other rates apply depending on applicant’s credit score.
Personal Loan*
Please call for rates.
*Interest Rates and APR are subject to change without notice. APR is annual percentage rate and is accurate as of the effective date. Rates shown for minimum loan of $1,000. $5,000 Maximum for individual borrowers. $10,000 maximum for two borrowers.
Deposit Accounts
Certificates of Deposit (CDs)*Effective 3/5/2021 |
||||||
| Product | Interest Rate |
APY | Minimum Opening Deposit |
|||
|---|---|---|---|---|---|---|
| 3-Month CD/IRA | 0.20% | 0.20% | $500.00 | |||
| 6-Month CD/IRA | 0.35% | 0.35% | $500.00 | |||
| 1-Year CD/IRA | 0.30% | 0.30% | $500.00 | |||
| 2-Year CD/IRA | 0.45% | 0.45% | $500.00 | |||
| 5-Year CD/IRA | 0.50% | 0.50% | $500.00 | |||
*Rates are subject to change without notice. Annual Percentage Yields (APY) are accurate as of date shown. A penalty may be imposed for early withdrawal from a Certificate of Deposit (CD) account. Withdrawals or fees may reduce the earnings on these accounts. The minimum balance to earn interest is $0.01.
Savings Accounts*Effective 3/5/2021 |
|||||||
| Product | Interest Rate |
APY | Minimum Opening Deposit |
Interest Tiers | |||
|---|---|---|---|---|---|---|---|
| LifeDesign Statement Savings | 0.02% | 0.02% | $10.00 | $0.01 and above | |||
| CareFree Companion Savings** | 0.01% | 0.01% | $25.00 | $0.01 and above | |||
| SecureCare Companion Savings** | 0.02% | 0.02% | $25.00 | $0.01 and above | |||
| CareMore Companion Savings** | 0.02% | 0.02% | $25.00 | $0.01 and above | |||
| CompleteCare Companion Savings** | 0.04% | 0.04% | $25.00 | $0.01 and above | |||
| Growth Savings** | 0.40% | 0.40% | $10.00 | $0.01 – $300.00 | |||
*Rates are subject to change without notice. Annual Percentage Yields (APY) are accurate as of date shown. Fees may reduce the earnings on these accounts. Transfers from a Savings Account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle with no transfers by check, draft, debit card, or similar order to third parties. The minimum balance to earn interest is $0.01. **Rates shown are blended rates. Additional tiers exist at varying rates. To qualify for the Care Companion Savings Accounts you must have an active, corresponding Care Checking Account. To qualify for Growth Savings you must be 18 years old or younger.
