APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective 11/13/2024. Rates may change after accounts are opened. Fees may reduce earnings. Please call us at (888) 505-BANK (2265) for our most current rates.
Evergreen Free Rewards Learn More
| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| 0 to $25,000 | $100 | 3.93% | 4.00% |
| $25,000+ | $100 | 0.25% | 4.00% to 1.00% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Easily Qualify For Your Rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your Free Rewards account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
That's it. Even if you don't meet your qualifications during the cycle, your Free Rewards account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!
Evergreen Free Linked Saver Learn More
| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| 0 to $100,000 | $100 | 1.98% | 2.00% |
| $100,000+ | $100 | 0.25% | 2.00% to 1.12% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Easily Qualify For The Higher Rate
Qualifying for your Free Rewards Checking or Free Cash Back rewards automatically qualifies you for the highest Free Linked Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Free Rewards or Free Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
That's it. Even if you don't meet your qualifications during the cycle, your Free Rewards accounts are still free. Plus, you'll still earn our base interest rate on Free Linked Saver. And you can get right back to earning your full rewards the very next month!
Savings Accounts
| Account | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| High-Yield Online Savings | $100 | 4.40% | 4.50%** |
| Statement Savings | $100 | 0.35% | 0.35% |
| Kids Statement Savings | $10 | 0.35% | 0.35% |
| Christmas Club | $10 | 0.35% | 0.35% |
| Business Savings | $500 | 0.35% | 0.35% |
**On balances up to $1,000,000. Balances over $1,000,000 will receive an interest rate of 0.00%
Cornerstone Money Market Learn More
| Minimum Balance to Obtain APY | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $2,500 | $2,500 | 0.30% | 0.30% |
| $10,000 | $2,500 | 0.40% | 0.40% |
| $25,000 | $2,500 | 0.50% | 0.50% |
Business Money Market Learn More
| Minimum Balance to Obtain APY | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $2,500 | $2,500 | 0.30% | 0.30% |
| $10,000 | $2,500 | 0.40% | 0.40% |
| $25,000 | $2,500 | 0.50% | 0.50% |
| $100,000 | $2,500 | 0.60% | 0.60% |
Certificates of Deposit (CDs) Learn More
These are our most popular terms. These are fixed rate. Additional options are offered. Please call or visit one of our bankers today for the full listing of all our current CD rates and terms.
| Term | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| *Special* 6-Month | $10,000.00 | 4.23% | 4.30% |
| *Special* 12-Month | $10,000.00 | 4.04% | 4.10% |
| 3-5 Month | $500.00 | 2.97% | 3.00% |
| 6-Month | $500.00 | 4.04% | 4.10% |
| 7-12 Month | $500.00 | 3.94% | 4.00% |
| 13-Month | $500.00 | 3.89% | 3.95% |
| 15-Month | $500.00 | 3.84% | 3.90% |
| 17-18 Month | $500.00 | 3.84% | 3.90% |
| 19-24 Month | $500.00 | 3.65% | 3.70% |
| 29-60 Month | $500.00 | 3.451% | 3.50% |
Penalty for early withdrawal
IRA Certificates of Deposit (CDs) Learn More
These are our most popular terms. These are fixed rate. Additional options are offered. Please call or visit one of our bankers today for the full listing of all our current CD rates and terms.
| Term | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| *Special* 6-Month | $10,000.00 | 4.23% | 4.30% |
| *Special* 12-Month | $10,000.00 | 4.04% | 4.10% |
| 3-5 Month | $500.00 | 2.97% | 3.00% |
| 6-Month | $500.00 | 4.04% | 4.10% |
| 7-12 Month | $500.00 | 3.94% | 4.00% |
| 13-Month | $500.00 | 3.89% | 3.95% |
| 15-Month | $500.00 | 3.84% | 3.90% |
| 17-18 Month | $500.00 | 3.84% | 3.90% |
| 19-24 Month | $500.00 | 3.65% | 3.70% |
| 29-60 Month | $500.00 | 3.451% | 3.50% |
Penalty for early withdrawal
Vehicle Loans
| Type | Term | APR* | Payment Examples (based on a $10,000.00 loan) |
|---|---|---|---|
| New Car | up to 60 months | 8.49% | $205.12 |
| New Car | 61 to 72 months | 8.99% | $180.21 |
| Used Car | up to 60 months | 8.49% | $205.12 |
| Used Car | 61 to 72 months | 8.99% | $180.21 |
| New Motorcycle | up to 60 months | 9.99% | $212.42 |
| New Motorcycle | 61 to 72 months | 10.49% | $187.74 |
All annual percentage rates are accurate as of 11/1/2024 and are subject to change at any time.
Home Equity Line of Credit (HELOC)
80% Combined Loan to Value Program - Single Family and Condominium Learn More
Combined Loan to Value: up to 80% Maximum Loan Amount $175,000
| Amount | Interest Rate (Prime 7.75%) | APR* |
|---|---|---|
| $100,000 to $175,000 | Prime + .00% to Prime + 1.00% | 7.75% to 8.75% |
| Up to $99,999 | Prime + .25% to Prime + 1.25% | 8.00% to 9.00% |
Note: Rates are based on loan amounts, credit qualifications and FICO scores.
Payment examples:
APR (Annual Percentage Rate) based on your combined loan-to-value (CLTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime + .00% to Prime + 1.25%, subject to change with Prime. As of today, the Prime Rate is 7.75%. The 'ceiling' is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the index + margin rate.
80% Combined Loan to Value Program
If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on maximum loan to value 80%, owner-occupied properties, depending upon your commitment amount and credit qualifications.
85% Combined Loan to Value Program - Single Family and Condominium Learn More
Combined Loan to Value: 80.01% - 85% Maximum Loan Amount $125,000 (80% when 1st Mortgage Exceeds $1,000,000)
| Amount | Interest Rate (Prime 7.75%) | APR* |
|---|---|---|
| $50,000 to $125,000 | Prime + .75% to Prime + 1.75% | 8.50% to 9.50% |
| Up to $49,999 | Prime + 1.00% to Prime + 2.00% | 8.75% to 9.75% |
Note: Rates are based on loan amounts, credit qualifications and FICO scores.
Payment examples:
APR (Annual Percentage Rate) based on your combined loan-to-value (CLTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime + .75% to Prime + 2.00%, subject to change with Prime. As of today, the Prime Rate is 7.75%. The the 'ceiling' is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the index + margin rate.
85% Combined Loan to Value Program
If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on maximum loan to value 85%, owner-occupied properties, depending upon your commitment amount and credit qualifications.
90% Combined Loan to Value Program - Single Family and Condominium Learn More
Combined Loan to Value: 85.01% - 90% Maximum Loan Amount $100,000
| Amount | Interest Rate (Prime 7.75%) | APR* |
|---|---|---|
| $50,000 to $100,000 | Prime + 1.25% to Prime + 2.25% | 9.00% to 10.00% |
| Up to $49,999 | Prime + 1.50% to Prime + 2.50% | 9.25% to 10.25% |
Note: Rates are based on loan amounts, credit qualifications and FICO scores.
Payment examples:
APR (Annual Percentage Rate) based on your combined loan-to-value (CLTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime + 1.25% to Prime + 2.50%, subject to change with Prime. As of today, the Prime Rate is 7.75%. The 'ceiling' is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the index + margin rate.
90% Combined Loan to Value Program
If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on maximum loan to value 90%, owner-occupied properties, depending upon your commitment amount and credit qualifications.