All branches are drive-thru only and operating from 10 a.m. to 4 p.m.

Certificate of Deposits

Rates accurate as of April 9, 2020
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
120 Mo. CD
120 Mo. CD $100 $100 0.85% Monthly 0.85%
72 Mo. CD
72 Mo. CD $100 $100 0.85% Monthly 0.85%
60 Mo. CD
60 Mo. CD $100 $100 0.85% Monthly 0.85%
48 Mo. CD
48 Mo. CD $100 $100 0.75% Monthly 0.75%
36 Mo. CD
36 Mo. CD $100 $100 0.70% Monthly 0.70%
30 Mo. CD
30 Mo. CD $100 $100 0.70% Monthly 0.70%
24 Mo. CD
24 Mo. CD $100 $100 0.65% Monthly 0.65%
18 Mo. CD
18 Mo. CD $100 $100 0.30% Monthly 0.30%
12 Mo. CD
12 Mo. CD $100 $100 0.60% Monthly 0.60%
6 Mo. CD
6 Mo. CD $2,500 $2,500 0.30% Quarterly 0.30%
91 Day CD
91 Day CD $2,500 $2,500 0.10% At Maturity 0.10%
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
27 Mo. Bump Tiered CD (Account No Longer Available)
Tier 1
Tier 1 $5,000 $5,000 - $24,999.99 2.27% Monthly 2.25%
Tier 2
Tier 2 $5,000 $25,000 - $49,999.99 2.53% Monthly 2.50%
Tier 3
Tier 3 $5,000 $50,000 and up 2.78% Monthly 2.75%
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Add-On CD
48 Mo. Add-On CD
48 Mo. Add-On CD $100 $100 0.70% Monthly 0.70%
24 Mo. Add-On CD
24 Mo. Add-On CD $100 $100 0.60% Monthly 0.60%
15 Mo. Add-On CD
15 Mo. Add-On CD $100 $100 0.55% Monthly 0.55%
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Add-On Bump CD
18 Mo. Bump Rate CD*
18 Mo. Bump Rate CD* $100 $100 0.25% Monthly 0.25%

All certificates have fixed rate for term, with exception to the 18 Month Bump Rate CD. The APY is accurate as of the date above and is subject to change. APY assumes interest earned remains on deposit until maturity. Fees may reduce earnings. Early withdrawal penalty may apply. †Limited time offer. *Variable rate for term. The interest rate on your Bump Rate CD account many change once during the term.

See Truth in Savings and Terms & Conditions brochures for details.

Member FDIC

IRAs

Rates accurate as of April 9, 2020
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Individual Retirement Accounts (IRA) - Traditional, Roth, SEP, Coverdell
120 Mo. IRA
120 Mo. IRA $50 $50 0.96% Daily 0.95%
72 Mo. IRA
72 Mo. IRA $50 $50 0.96% Daily 0.95%
60 Mo. IRA
60 Mo. IRA $50 $50 0.96% Daily 0.95%
48 Mo. IRA
48 Mo. IRA $50 $50 0.86% Daily 0.85%
36 Mo. IRA
36 Mo. IRA $50 $50 0.81% Daily 0.80%
24 Mo. IRA
24 Mo. IRA $50 $50 0.76% Daily 0.75%
18 Mo. IRA
18 Mo. IRA $50 $50 0.41% Daily 0.40%
12 Mo. IRA
12 Mo. IRA $50 $50 0.71% Daily 0.70%

All IRAs have fixed rate for term. Early withdrawal penalty may apply. The APY is accurate as of the date above and is subject to change. The APY assumes interest earned remains on deposit until maturity.

See Truth in Savings and Terms & Conditions brochures for details.

Member FDIC

Personal Checking & Savings

Rates accurate as of April 9, 2020
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Checking Accounts
Choice
Choice $100 $100 0.05% Daily 0.05%

Fees may reduce earnings. Rates may change after the account is opened. The APY is accurate as of the date above and is subject to change.

Journey*
Journey* $100 Requirements Below 0.51% Daily 0.50%

JOURNEY CHECKING DISCLOSURE
Variable interest rate account. Rates subject to change anytime and without notice.

• An interest rate of 0.05% will be paid only for that portion of your daily balance that is greater than $10,000.00. The annual percentage yield for this tier will range from .51% to 0.09%, depending on the balance in the account.

• If your daily balance is $10,000.00 or less, the interest rate paid on the entire balance will be 0.50% with an annual percentage yield of 0.51%*.

• If your account does not have the required activity noted below* an interest rate of 0.05% will be paid on the entire balance. The annual percentage yield for the entire balance will be 0.05%, depending on the balance in the account.

*Premium rate requires monthly direct deposit of $500 or more, debit card activation and 10 debit transactions posted per statement cycle, enrollment in retail online banking and signing up to receive eStatements, and maintaining active online banking access as outlined in the Online Banking Terms & Conditions Agreement. One account per Social Security Number. Minimum $100.00 to open an account. Fees may reduce earnings and rate may change after account opening.

Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Savings Accounts
Statement Savings*
Statement Savings* $100 $50 0.05% Daily 0.05%
Passbook Savings*
Passbook Savings* $100 $50 0.05% Daily 0.05%

*$3 quarterly service charge will be imposed if average daily balance falls below $100. Transaction limitations: Transfers from this account to another account or third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card or similar order to third parties. Variable interest rate account. Rates may change anytime and without notice. Fees may reduce earnings.

Companion Savings
Companion Savings $100 $0 0.35% Daily 0.35%

Variable rate account. Interest rate of 0.35% and 0.35% Annual Percentage Yield (APY) subject to change anytime without notice. Initial deposits into the Companion Savings Account cannot exceed the deposits into any new or renewing qualified Certificate of Deposit (CD). Deposits into Companion Savings Accounts can only be made when a new CD is opened or an existing qualifying CD account is renewed at time of maturity. Deposits must be made the same day as the deposits into the qualifying CD. Companion Savings Accounts are compatible with any CD (including IRA’s) with terms 12 months or greater. CD’s with Add-on and Bump Rate features do not qualify. Specific accounts that do not qualify include: 15 month Add On CD, 18 month Bump Rate CD, 24 month Add On CD, 48 month Add On CD, and 27 month Add On/Bump Rate CD. Minimum opening deposit of $100. All balances receive the stated APY. Fees may reduce earnings and rate may change after account opening. Terms and conditions apply. See Truth in Savings disclosure for details. Transfers from this account to another account or third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card or similar order to third parties.

Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Health Savings Account (HSA)
HSA
HSA $1 $0 0.05% Daily 0.05%

Rates may change after the account is opened. The APY is accurate as of the date above and is subject to change. Fees may reduce earnings.

Consumer Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Personal Money Market Account (MMA)
Tier 1
Tier 1 $2,500 $50 - $2,499.99 0.05% Daily 0.05%
Tier 2
Tier 2 $2,500 $2,500 - $9,999.99 0.10% Daily 0.10%
Tier 3
Tier 3 $2,500 $10,000 - $49,999.99 0.15% Daily 0.15%
Tier 4
Tier 4 $2,500 $50,000 - $99,999.99 0.30% Daily 0.30%
Tier 5
Tier 5 $2,500 $100,000 + 0.41% Daily 0.40%

Rates may change after the account is opened. The APY is accurate as of the date above and is subject to change. Fees may reduce earnings. Transfers from a money market account to another account or third parties by pre-authorized automatic, telephone, or computer transfer or by check, debit card or similar order to third parties is limited to six per statement cycle.

See Truth in Savings and Terms & Conditions brochures for details.

Member FDIC

Youth Accounts

Rates accurate as of April 9, 2020
Minimum to Open Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Super Saver Passbook
Super Saver Passbook $1 $0 0.15% Daily 0.15%
Jump Start Checking†
Jump Start Checking† $50 $0 0.15% Daily 0.15%
48 Mo. Dream Builder CD
48 Mo. Dream Builder CD $50 $50 0.90% Monthly 0.90%
48 Mo. Dream Saver CD
48 Mo. Dream Saver CD $50 $50 0.80% Monthly 0.80%

Super Saver, Dream Builder, and Dream Saver accounts are for customers under the age of 18. †High School age up to 19. For the Passbook and Checking accounts, rates may change after the account is opened. The APY is accurate as of the date above and is subject to change. Fees may reduce earnings. Early withdrawal penalties may apply.

See Truth in Savings and Terms & Conditions brochures for details.

Member FDIC

Business Checking & Savings

Rates accurate as of April 9, 2020
Business Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Business Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Checking Accounts
Outreach Business*
Outreach Business* $100 $100 0.05% Daily 0.05%
Business Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Beyond Business
Tier 1
Tier 1 $1,000 $0 - $2,499.99 0.00% Daily 0.00%
Tier 2
Tier 2 $1,000 $2,500 - $24,999.99 0.05% Daily 0.05%
Tier 3
Tier 3 $1,000 $25,000 - $74,999.99 0.10% Daily 0.10%
Tier 4
Tier 4 $1,000 $75,000 - $149,999.99 0.12% Daily 0.12%
Tier 5
Tier 5 $1,000 $150,000 + 0.15% Daily 0.15%

Fees may reduce earnings. Rates may change after the account is opened. The APY is accurate as of the date above and is subject to change. Fees may reduce earnings. * This account is for community organizations and nonprofits.

Business Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Business Money Market Account (MMA)
Tier 1
Tier 1 $2,500 $50 - $2,499.99 0.05% Daily 0.05%
Tier 2
Tier 2 $2,500 $2,500 - $9,999.99 0.10% Daily 0.10%
Tier 3
Tier 3 $2,500 $10,000 - $49,999.99 0.15% Daily 0.15%
Tier 4
Tier 4 $2,500 $50,000 - $99,999.99 0.30% Daily 0.30%
Tier 5
Tier 5 $2,500 $100,000 + 0.41% Daily 0.40%
Business Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Business Premium Money Market Account
Tier 1
Tier 1 $50,000 $50 - $9,999.99 0.10% Daily 0.10%
Tier 2
Tier 2 $50,000 $10,000 - $49,999.99 0.15% Daily 0.15%
Tier 3
Tier 3 $50,000 $50,000 - $99,999.99 0.46% Daily 0.45%
Tier 4
Tier 4 $50,000 $100,000 - $299,999.99 0.61% Daily 0.60%
Tier 5
Tier 5 $50,000 $300,000 + 0.76% Daily 0.75%

Rates may change after the account is opened. The APY is accurate as of the date above and is subject to change. Fees may reduce earnings. Transfers from a money market account to another account or third parties by pre-authorized automatic, telephone, or computer transfer or by check, debit card or similar order to third parties is limited to six per statement cycle.

Business Account Type Minimum to Open Minimum to Earn APY Annual Percentage Yield (APY) Compounding Method Interest Rate
Savings Account
Statement Savings
Statement Savings $100 $50 0.05% Daily 0.05%
Companion Savings*
Companion Savings* $100 $0 0.35% Daily 0.35%

$3 quarterly service charge will be imposed if the average daily balance falls below $100. Transaction limitations: Transfers from this account to another account or third parties by pre-authorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check, draft, debit card or similar order to third parties.

*Variable rate account. Interest rate of 0.35% and 0.35% Annual Percentage Yield (APY) and subject to change anytime without notice. Initial deposits into the Companion Savings Account cannot exceed the deposits into any new or renewing qualified Certificate of Deposit (CD). Deposits into Companion Savings Accounts can only be made when a new CD is opened or an existing qualifying CD account is renewed at time of maturity. Deposits must be made the same day as the deposits into the qualifying CD. Companion Savings Accounts are compatible with any CD (including IRA’s) with terms 12 months or greater. CD’s with Add-on and Bump Rate features do not qualify. Specific accounts that do not qualify include: 15 month Add On CD, 18 month Bump Rate CD, 24 month Add On CD, 48 month Add On CD, and 27 month Add On/Bump Rate CD. Minimum opening deposit of $100. All balances receive the stated APY. Fees may reduce earnings and rate may change after account opening. Terms and conditions apply. See Truth in Savings disclosure for details.

See Truth in Savings and Terms & Conditions brochures for details.

Member FDIC

Home Loans

Rates accurate as of April 9, 2020
Mortgage Type Interest Rate Annual Percentage Rate (APR) Loan Fee
30 Year Fixed
30 Year Fixed 3.625% 3.754% 1%
20 Year Fixed
20 Year Fixed 3.375% 3.553% 1%
15 Year Fixed
15 Year Fixed 3.125% 3.352% 1%
10 Year Fixed
10 Year Fixed 3.000% 3.328% 1%
1st Time Homebuyer (30 Year Fixed)
1st Time Homebuyer (30 Year Fixed) 3.500% 3.587% .50%
1st Time Homebuyer (20 Year Fixed)
1st Time Homebuyer (20 Year Fixed) 3.250% 3.370% .50%
Affordable Home Loan Program (30 Year Fixed)
Affordable Home Loan Program (30 Year Fixed) 3.125% 3.196% $800
Non-Owner Occupied (30 Year Fixed)
Non-Owner Occupied (30 Year Fixed) 4.500% 4.683% 1.5%
Non-Owner Occupied (15 Year Fixed)
Non-Owner Occupied (15 Year Fixed) 4.250% 4.567% 1.5%
Green Choice Energy Efficient Mortgage*
Green Choice Energy Efficient Mortgage* 0.50% Off Loan Fee
Mortgage Type Interest Rate Annual Percentage Rate (APR) Loan Fee
Jumbo (30 Year Fixed)
$650,000.00 - $849,999.99 (90% max LTV)
$650,000.00 - $849,999.99 (90% max LTV) 3.875% 3.992% 1%
$850,000.00 and above (90% max LTV)
$850,000.00 and above (90% max LTV) 4.125% 4.240% 1%

Product for owner-occupied purchases & refinances. Rates are held at the time of application. Plus, if our rates go down before closing, you get the lowest rate. Ask about our insured programs with only a 3% down payment.

Jumbo Loans are not available on Green Choice Lending programs.

HOME LOAN PAYMENT CALCULATIONS
Calculations based on $240,000.00 conventional loan with 20% down payment (purchase) or equity position (refinancing). Payment calculations are principal and interest only and do not include taxes or insurance which may increase your monthly payment.

  • 30-Year Mortgage: Interest rate 3.625%, Annual Percentage Rate (APR) 3.754%, 360 monthly payments of $1,094.52 each, total interest paid $154,029.26
  • 20-Year Mortgage: Interest rate 3.375%, Annual Percentage Rate (APR) 3.553%, 240 monthly payments at $1,376.54 each, total interest paid $90,368.61
  • 15-Year Mortgage: Interest rate 3.125%, Annual Percentage Rate (APR) 3.352%, 180 monthly payments of $1,671.86 each, total interest paid $60,935.30
  • 10-Year Mortgage: Interest rate 3.000%, Annual Percentage Rate (APR) 3.328%, 120 monthly payments of $2,317.46 each, total interest paid $38,094.93
  • 1st Time Homebuyer (30-Year Mortgage): Interest rate 3.500%, Annual Percentage Rate (APR) 3.587%, 360 monthly payments of $1,077.71 each, total interest paid $147,973.99
  • 1st Time Homebuyer (20-Year Mortgage): Interest rate 3.250%, Annual Percentage Rate (APR) 3.370%, 240 monthly payments of $1,361.27 each, total interest paid $86,704.78
  • Affordable Home Loan Program (30-Year Mortgage): Interest rate 3.125%, Annual Percentage Rate (APR) 3.196%, 360 monthly payments of $1,028.10 each, total interest paid $130,116.62
  • Non-Owner Occupied (30-Year Mortgage): Interest rate 4.500%, Annual Percentage Rate (APR) 4.683%, 360 monthly payments of $1,216.04 each, total interest paid $197,778.11
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 4.250%, Annual Percentage Rate (APR) 4.567%, 180 monthly payments of $1,805.47 each, total interest paid $84,984.07

JUMBO LOAN PAYMENT CALCULATIONS
Calculation examples based on loan amounts shown with 20% down payment (purchase) or equity position (refinancing). Payment calculations are principal and interest only and do not include taxes or insurance which may increase your monthly payment.

  • $655,000 loan amount: Interest rate 3.875%, Annual Percentage Rate (APR) 3.992%, 360 monthly payments of $3,080.05 each, total interest paid $453,819.82
  • $850,000 loan amount: Interest rate 4.125%, Annual Percentage Rate (APR) 4.240%, 360 monthly payments of $4,119.52 each, total interest paid $633,029.10

Green Choice Energy Efficient Mortgage: 0.50% off loan fee for loans $500,000 and below. The reduction on loan fees for loans of $500,001 and above may not exceed $2,500.00.

Member FDIC
Equal Housing Lender

Construction Loans

Rates accurate as of April 9, 2020
Type of Mortgage Interest Rate Annual Percentage Rate (APR) Loan Fee
30 Year Fixed (Owner Occupied)
30 Year Fixed (Owner Occupied) 3.625% 3.783% 1%
20 Year Fixed (Owner Occupied)
20 Year Fixed (Owner Occupied) 3.375% 3.591% 1%
15 Year Fixed (Owner Occupied)
15 Year Fixed (Owner Occupied) 3.125% 3.398% 1%
30 Year Fixed (Non-Owner Occupied)
30 Year Fixed (Non-Owner Occupied) 4.500% 4.756% 2%
15 Year Fixed (Non-Owner Occupied)
15 Year Fixed (Non-Owner Occupied) 4.000% 4.430% 2%
Green Choice Lending Program*
Green Choice Lending Program* 0.50% Off Loan Fee
Type of Mortgage Interest Rate Annual Percentage Rate (APR) Loan Fee
Jumbo Construction (30 Year)
$650,000.00 - $849,999.99 (90% max LTV)
$650,000.00 - $849,999.99 (90% max LTV) 3.875% 3.985% 1%
$850,000 and above (90% max LTV)
$850,000 and above (90% max LTV) 4.125% 4.231% 1%

HOME LOAN PAYMENT CALCULATIONS
Calculations based on $240,000.00 conventional loan with 20% down payment (purchase) or equity position (refinancing).

  • Owner Occupied (30-Year Mortgage): Interest rate 3.625%, Annual Percentage Rate (APR) 3.783%, 360 monthly payments of $1,094.52 each, total interest paid $157,291.76
  • Owner Occupied (20-Year Mortgage): Interest rate 3.375%, Annual Percentage Rate (APR) 3.591%, 240 monthly payments of $1,376.54 each, total interest paid $93,406.11
  • Owner Occupied (15-Year Mortgage): Interest rate 3.125%, Annual Percentage Rate (APR) 3.398%, 180 monthly payments of $1,671.86 each, total interest paid $63,747.80
  • Non-Owner Occupied (30-Year Mortgage): Interest rate 4.500%, Annual Percentage Rate (APR) 4.756%, 360 monthly payments of $1,216.04 each, total interest paid $201,828.11
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 4.000%, Annual Percentage Rate (APR) 4.430%, 180 monthly payments of $1,775.25 each, total interest paid $83,145.33

Maximum loan to value of 95% on Owner Occupied (with a licensed contractor).

JUMBO LOAN PAYMENT CALCULATIONS
Calculation examples based on loan amounts shown with 20% down payment (purchase) or equity position (refinancing). Payment calculations are principal and interest only and do not include taxes or insurance which may increase your monthly payment.

  • $655,000 loan amount: Interest rate 3.875%, Annual Percentage Rate (APR) 3.985%, 360 monthly payments of $3,080.05 each, total interest paid $463,337.79
  • $850,000 loan amount: Interest rate 4.125%, Annual Percentage Rate (APR) 4.231%, 360 monthly payments of $4,119.52 each, total interest paid $646,177.54

*Green Choice Lending Program: 0.50% off loan fee for loans $500,000 and below. The reduction on loan fees for loans of $500,001 and above may not exceed $2,500.00.

Member FDIC
Equal Housing Lender

Developed Lot Loan

Rates accurate as of April 9, 2020
Type of Loan Interest Rate Annual Percentage Rate (APR) Loan Fee
Developed Lot
Developed Lot 6.000% 6.728% 2%

5-year balloon / 25-year amortization. Loan amount 75% of lot sale price.

DEVELOPED LOT LOAN PAYMENT CALCULATIONS

Calculations based on $100,000.00 5-year balloon loan (25 year amortization) with 25% down payment (purchase) or equity position (refinancing). Payment calculations are principal and interest only and do not include taxes or insurance which may increase your monthly payment.

5-Year Balloon / 25 Year Amortization Loan: Interest rate 6.000%, Annual Percentage Rate (APR) 6.728%, 59 monthly payments of $644.30 each, 1 balloon payment of $90,576.47, total interest paid $28,590.17.

Member FDIC
Equal Housing Lender

Manufactured Home Loans

Rates accurate as of April 9, 2020
Type of Loan Interest Rate Annual Percentage Rate (APR) Loan Fee
20 Year Fixed (Owner Occupied)
20 Year Fixed (Owner Occupied) 5.875% 6.160% 1%
15 Year Fixed (Owner Occupied)
15 Year Fixed (Owner Occupied) 5.750% 6.106% 1%
20 Year Fixed (Non-Owner Occupied)
20 Year Fixed (Non-Owner Occupied) 7.750% 8.068% 1%
15 Year Fixed (Non-Owner Occupied)
15 Year Fixed (Non-Owner Occupied) 7.375% 7.760% 1%

HOME LOAN PAYMENT CALCULATIONS
Calculations based on $100,000.00 conventional loan with 30% down payment (purchase) or equity position (refinancing) for owner occupied financing and 40% down payment (purchase) or equity position (refinancing) for non-owner occupied financing. Payment examples are principal and interest only and do not include taxes and insurance which may result in a higher monthly payment.

  • Owner Occupied (20-Year Mortgage): Interest rate 5.875%, Annual Percentage Rate (APR) 6.160%, 240 monthly payments of $709.24 each, total interest paid $70,216.83
  • Owner Occupied (15-Year Mortgage): Interest rate 5.750%, Annual Percentage Rate (APR) 6.106%, 180 monthly payments of $830.41each, total interest paid $49,473.79
  • Non-Owner Occupied (20-Year Mortgage): Interest rate 7.750%, Annual Percentage Rate (APR) 8.068%, 240 monthly payments of $820.95 each, total interest paid $97,027.26
  • Non-Owner Occupied (15-Year Mortgage): Interest rate 7.375%, Annual Percentage Rate (APR) 7.760%, 180 monthly payments of $919.92 each, total interest paid $65,586.71

Homes manufactured 1990 or after will be considered.

Member FDIC
Equal Housing Lender

Home Equity Loan (HELP)

Rates accurate as of April 9, 2020
HELP Type Annual Percentage Rate (APR) Amortized Term Loan Fee
4.750% Fixed (80% Max LTV)
4.750% Fixed (80% Max LTV) 5.016% 10 Years $0
5.250% Fixed (90% Max LTV)
5.250% Fixed (90% Max LTV) 5.523% 10 Years $0
5.500% Fixed (80% Max LTV)
5.500% Fixed (80% Max LTV) 5.695% 15 Years $0
6.000% Fixed (90% Max LTV)
6.000% Fixed (90% Max LTV) 6.201% 15 Years $0
6.500% Fixed (80% Max LTV)
6.500% Fixed (80% Max LTV) 6.641% 25 Years $0
7.000% Fixed (90% Max LTV)
7.000% Fixed (90% Max LTV) 7.147% 25 Years $0
4.750% ARM (80% Max LTV)*
4.750% ARM (80% Max LTV)* 4.840% 25 Years $0
5.250% ARM (90% Max LTV)*
5.250% ARM (90% Max LTV)* 5.344% 25 Years $0
Green Choice Retrofit: 4.500% (80% Max LTV)
Green Choice Retrofit: 4.500% (80% Max LTV) 4.762% 10 Years $0
Green Choice Retrofit: 5.000% (90% Max LTV)
Green Choice Retrofit: 5.000% (90% Max LTV) 5.270% 10 Years $0

Product for owner-occupied purchases & refinances.

FIXED-RATE HELP PAYMENT CALCULATIONS
Calculations based on $100,000.00 loan. Payment calculations are principal and interest.

  • 25-Year HELP Loan (90% LTV): Interest rate 7.000%, Annual Percentage Rate (APR) 7.147%, 300 monthly payments of $706.78 each, total interest paid $112,033.08
  • 25-Year HELP Loan (80% LTV): Interest rate 6.500%, Annual Percentage Rate (APR) 6.641%, 300 monthly payments of $675.21 each, total interest paid $102,561.06
  • 15-Year HELP Loan (90% LTV): Interest rate 6.000%, Annual Percentage Rate (APR) 6.201%, 180 monthly payments of $843.86 each, total interest paid $51,893.80
  • 15-Year HELP Loan (80% LTV): Interest rate 5.500%, Annual Percentage Rate (APR) 5.695%, 180 monthly payments of $817.08 each, total interest paid $47,075.43
  • 10-Year HELP Loan (90% LTV): Interest rate 5.250%, Annual Percentage Rate (APR) 5.523%, 120 monthly payments of $1,072.92 each, total interest paid $28,749.92
  • 10-Year HELP Loan (80% LTV): Interest rate 4.750%, Annual Percentage Rate (APR) 5.016%, 120 monthly payments of $1,048.48 each, total interest paid $25,817.19
  • 10-Year Green Choice Retrofit HELP Loan (90% LTV): Interest rate 5.000%, Annual Percentage Rate (APR) 5.270%, 120 monthly payments of $1,060.66 each, total interest paid $27,278.47
  • 10-Year Green Choice Retrofit HELP Loan (80% LTV): Interest rate 4.500%, Annual Percentage Rate (APR) 4.762%, 120 monthly payments of $1,036.38 each, total interest paid $24,366.21

*The HELP ARM Index is based on the Federal Home Loan Bank (FHLB) 11th District Cost of Funds (COF). Rates may go up for closed-end variable rate home equity loans.

Member FDIC
Equal Housing Lender

Home Equity Line of Credit (HELOC)

Rates accurate as of April 9, 2020
HELOC Type Interest Rate Annual Percentage Rate (APR) Loan Fee
LTV - Up To & Including 80%
LTV - Up To & Including 80% 4.000% Variable 4.000% $0
LTV - Up To & Including 80.01% - 90.0%
LTV - Up To & Including 80.01% - 90.0% 4.625% Variable 4.625% $0

$50 annual fee after the 1st year. The value of the index is based on the Wall Street Journal Prime Rate. The rate is computed by adding the Wall Street Journal Prime Rate + our margins of .125 or 1.375. The current Wall Street Journal Prime Rate is 3.250%, however, we have an Annual Percentage Rate minimum (floor) of 4.00%. The maximum Annual Percentage Rate (APR) is 18.000%.

Member FDIC
Equal Housing Lender

Personal Loans

Rates accurate as of April 9, 2020
Personal Loan Type Annual Percentage Rate (APR) Terms Comments
Personal Line of Credit (PLOC)
Personal Line of Credit (PLOC) Rates range from 8.000% - 11.000% variable APR 5 year draw period followed by either a 5 - 7 year repayment period Your individual financing and the interest rate to which you qualify will be determined by income and individual credit history
Personal Loan Type Annual Percentage Rate (APR) Terms Comments
Vehicle Loans
New, Used or Classic Vehicle Loan
New, Used or Classic Vehicle Loan Rates range from 4.471% - 7.472% fixed APR Choose your term to suit your monthly budget Your individual financing and the interest rate to which you qualify will be determined by vehicle age and individual credit history
Green Choice Auto Loan
Green Choice Auto Loan 4.041% - 5.722% fixed APR
Personal Loan Type Annual Percentage Rate (APR) Terms Comments
Boat Loan
New or Used Boat Loan
New or Used Boat Loan Rates range from 7.022% - 10.023% fixed APR Choose your term to suit your monthly budget Your individual financing and the interest rate to which you qualify will be determined by boat age and individual credit history
RV Loan
RV Loan
New or Used RV Loan
New or Used RV Loan Rates range from 9.022% - 10.023% fixed APR Choose your term to suit your monthly budget Your individual financing and the interest rate to which you qualify will be determined by RV age and individual credit history

Annual Percentage Rates are based on your credit score and are subject to change without notice.

Member FDIC
Equal Housing Lender

Account Fees

Item Fee
Check printing (fee depends on the style of check ordered)
Check printing (fee depends on the style of check ordered) Fee Varies
Returned deposit item fee (Deposited checks that are returned unpaid)
Returned deposit item fee (Deposited checks that are returned unpaid) $10
OD/NSF charge†
OD/NSF charge† $25 per item paid
Return charge†
Return charge† $25 per item returned
Maximum for OD/NSF and return charges†
Maximum for OD/NSF and return charges† $125 per day
Overdraft protection transfer fee‡
Overdraft protection transfer fee‡ $5 per transfer
Account research
Account research $25 per hour
Stop payment charge
Stop payment charge $15
Unauthorized ACH entry fee
Unauthorized ACH entry fee $4.50 each
Account closed within 90 days of opening
Account closed within 90 days of opening $15
Wire transfer fee (domestic)
Wire transfer fee (domestic) $15
Wire transfer fee (international)
Wire transfer fee (international) $30
Check collection
Check collection $10
Check collection (foreign)*
Check collection (foreign)* $30 min.
Copy of cancelled check
Copy of cancelled check $2
Matured or called bond
Matured or called bond $50 each
First coupon envelope
First coupon envelope $15
Additional coupon envelopes
Additional coupon envelopes $5 each
Returned item (bond)
Returned item (bond) $20 each
Item Fee
PopMoney
3 Day Delivery ($.00 - $249.99)
3 Day Delivery ($.00 - $249.99) $.00
3 Day Delivery ($250+)
3 Day Delivery ($250+) $1
Next Day Delivery ($.00 - $249.99)
Next Day Delivery ($.00 - $249.99) $.00
Next Day Delivery ($250+)
Next Day Delivery ($250+) $2
Item Fee
Transfer Now
Inbound
Inbound Free
Outbound (3 Day)
Outbound (3 Day) $1.50
Outbound (Next Day)
Outbound (Next Day) $2.50
Item Fee
Safe Deposit Boxes
2" x 5"
2" x 5" $19 per year
3" x 5"
3" x 5" $25 per year
5" x 5"
5" x 5" $30 per year
3" x 10"
3" x 10" $40 per year
5" x 10"
5" x 10" $55 per year
10" x 10"
10" x 10" $105 per year
11" x 16"
11" x 16" $185 per year
Replacement Key
Replacement Key $10
Drilling
Drilling Varies

On an available basis. Not FDIC Insured. Safe-deposit box rent will be discounted by $5.00 when you sign up for automatic payment from OlyFed savings or checking account.

*Cost may vary from collecting bank

†If a transaction overdraws your account, for example: a check, in-person withdrawal, internal transfer, recurring debit card transaction, or Automated Clearinghouse (ACH) transaction, we may impose a return charge if we do not pay the item, or an overdraft/non-sufficient funds (OD/NSF) charge if we do pay the item. Return charges and overdraft/non-sufficient funds charges will not be imposed on ATM withdrawals, one-time debit card transactions, or bank fees.

‡The overdraft protection transfer fee applies only when your account has become overdrawn for any reason and you have opted into our overdraft protection service.

We may require no less than 7 days’ notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal.