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 You must deposit $100 to open this account.  A Service Charge of $15 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $2500.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  We use the daily balance method to calculate interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest is compounded and credited monthly.  Interest begins to accrue on the business day you deposit non-cash items.   Additional fees may apply.  

Business Savings Account

You must deposit $50 to open this account.  A Service Charge of $5 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $200.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  We use the daily balance method to calculate interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest is compounded and credited quarterly.  Interest begins to accrue on the business day you deposit non-cash items.   Additional fees may apply.  

 You must deposit $250 to open this account.  A Service Charge of $10 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $2500.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.  We use the daily balance method to calculate interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest is compounded and credited monthly.  Interest begins to accrue on the business day you deposit non-cash items.   Additional fees may apply.  

 

Certificates of Deposit 

 

*The Annual Percentage Yield (APY) for the CD terms mentioned above is valid as of 03/27/2024. A minimum balance of $250.00 is required to open this account. Interest will be compounded and credited annually for terms equal to and greater than one year. Interest will be compounded and credited at maturity for CD terms less than 12 months. The APY assumes interest will remain on deposit until maturity. A withdrawal could reduce earnings on this account. A penalty of 6 months interest on the amount withdrawn may be imposed for early withdrawals for terms 12 months and under. A penalty of 12 months interest on the amount withdrawn may be imposed for early withdrawals for terms greater than 12 months. Rates are subject to change without notice.  

Mortgages

All loans are subject to credit approval. This is not a commitment or agreement to lend. Get an official Loan Estimate before choosing a loan. Product offerings are accurate as of 4/25/2024 and are subject to change without notice. For all products listed, various repayment structures are available, and the illustration below only shows one option that is currently available.

Fixed Rate

One example of how repayment may occur on a fixed rate mortgage follows: Based on a hypothetical loan amount of $600,000 and one set of variables for the specific product advertised, the Annual Percentage Rate (APR) as of 4/25/2024 is 7.69% repaid over 360 equal monthly payments principal and interest payments of $7.10 per $1,000 borrowed. A minimum of 10.1% cash or equity is required, and minimum credit history qualifications, as well as income qualifications, exist for this product. A higher down payment could be required based on your specific qualifications.  Additionally, the actual rates and charges may vary; and your actual payment and costs could be higher than shown above. Property taxes and insurance are required and are not included in these estimates.

Adjustable Rate

One example of how repayment may occur on an adjustable-rate mortgage follows: Based on a hypothetical loan amount of $600,000 and one set of variables for the specific product advertised, the Annual Percentage Rate (APR) as of 4/25/2024 is 7.489% repaid over 120 equal monthly payments principal and interest payments of $6.96 per $1,000 borrowed. After the first 120 payments, your interest rate and payments may adjust. In this example, the payments could go as high as $9.75 per $1000.00 borrowed by year 13. The annual percentage rate is subject to increase after consummation commensurate with the potential increase in interest rate. A minimum of 10.1% cash or equity is required, and minimum credit history qualifications, as well as income qualifications, exist for this product.  A higher down payment could be required based on your specific qualifications. Additionally, the actual rates and charges may vary; and your actual payment and costs could be higher than shown above. Property taxes and insurance are required and are not included in these estimates.

Lot Mortgage

One example of how repayment may occur on a lot mortgage follows: Based on a hypothetical loan amount of $600,000 and one set of variables for the specific product advertised, the Annual Percentage Rate (APR) as of 4/25/2024 is 8.535% repaid over 180 equal monthly payments principal and interest payments of $9.85 per $1,000 borrowed. A minimum of 25% cash or equity is required, and minimum credit history qualifications, as well as income qualifications, exist for this product. The actual rates and charges may vary, and your actual payment and costs could be higher than shown above. Property taxes are required to be paid and are not included in these estimates.

Construction to Perm Residential Mortgage

One example of how repayment may occur on a Construction to Perm residential mortgage follows: Based on a hypothetical loan amount of $600,000 and one set of variables for the specific product advertised, the Annual Percentage Rate (APR) as of 4/25/2024 is 7.987% repaid over 12 monthly interest-only payments of $3.28 per $1,000 borrowed. After the 12 interest-only payments, your payments will adjust. In this example, the payments could go as high as $7.25 per $1000.00 borrowed. A minimum of 10.1% cash or equity is required, and minimum credit history qualifications, as well as income qualifications, exist for this product.  A higher down payment could be required based on your specific qualifications. Additionally, the actual rates and charges may vary; and your actual payment and costs could be higher than shown above. Property taxes and insurance are required and are not included in these estimates.