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Rates

Savings and loan rates

Avoid unplanned financial surprises in the future.

Read up on all the information necessary to make the best savings and loan choices.

Savings

  • Savings Account

    Regular Savings Rates
    Account Name Minimum
    Opening Balance    		 Minimum To Earn Dividend Variable Dividend Rate* Annual
    Percentage Yield (APY)
         		 Monthly Fees
    Regular Savings Accounts thru $999.99 $5 $5 0.05% 0.05% -0-
    Regular Savings Accounts $1,000 thru $4,999.99 $5 $5 0.05% 0.05% -0-
    Regular Savings Accounts $5,000 thru $9,999.99 $5 $5 0.05% 0.05% -0-
    Regular Savings Accounts $10,000 and Over $5 $5 0.10% 0.10% -0-
    *Rates are variable and may change after account is opened. Fees may reduce earnings.

    Rates effective as of 04/06/2020.
    All rates, terms and conditions subject to change.

     

  • Club Account

    Club Account Rates
    Account Name Minimum Opening Balance Minimum To Earn Dividend Variable Dividend Rate* Annual Percentage Yield (APY) Monthly Fees
    Club Account $5 $5 0.10% 0.10% -0-
    IRA Club Account $100 $100 0.10% 0.10% -0-
    *Rates are variable and may change after account is opened. Fees may reduce earnings.

    Rates effective as of 04/06/2020.
    All rates, terms and conditions subject to change.

  • Summer Pay Account

    Summer Pay Account Rates
    Account Name Minimum Opening Balance Minimum To Earn Dividend Variable Dividend Rate* Annual Percentage Yield (APY) Monthly Fees
    Summer Pay Account $0 $0 0.10% 0.10% -0-
    *Rates are variable and may change after account is opened. Fees may reduce earnings.

    Rates effective as of 04/06/2020.
    All rates, terms and conditions subject to change.

  • Share Certificates

    share certificate rates
    Account Name     Minimum to Open/Earn APY Dividend Rate Annual
    Percentage
    Yield (APY)
    6 Months Share Certificate $ 1,000 0.30% 0.30%
    12 Months Share Certificate $ 1,000 0.35% 0.35%
    18 Months Share Certificate $ 1,000 0.40% 0.40%
    24 Months Share Certificate $ 1,000 0.55% 0.55%
    36 Months Share Certificate $ 1,000 0.75% 0.75%
    Fees may reduce earnings. Early withdrawal penalties may apply.

    Rates effective as of 04/06/2020.
    All rates, terms and conditions subject to change.

  • IRAs

    IRA Certificate Rates
    Account Name Minimum to Open/Earn APY Dividend Rate Annual
    Percentage
    Yield (APY)
    12 Months Traditional/ Roth/Coverdell/ IRA Certificate $1,000 0.35% 0.35%
    24 Months Traditional/ Roth/Coverdell/ IRA Certificate $1,000 0.55% 0.55%
    36 Months Traditional/ Roth/Coverdell/ IRA Certificate $1,000 0.75% 0.75%
    Early withdrawal penalties may apply.

    Rates effective as of 04/06/2020.
    All rates, terms and conditions subject to change.

  • Simple Share Certificate

    simple saver certificate rates
    Account Name Minimum to Open/Earn APY Dividend Rate Annual Percentage Yield (APY)
    12 Months Simple Saver Certificate $25 0.05% 0.05%
    Fees may reduce earnings. Early withdrawal penalties may apply. A minimum of $25 must be deposited monthly to the  Simple Saver Certificate through some form of automated transaction (e.g. payroll deduction or automatic transfer).

    Rates effective as of 04/06/2020.
    All rates, terms and conditions subject to change.

  • Money Market

    money market rates
    Account Name Minimum Opening Balance Minimum To Earn Dividend Variable Dividend Rate* Annual Percentage Yield (APY)
    $1,000.00 - $9,999.99 $1,000 $1,000 0.05% 0.05%
    $10,000.00 - $49,999.99 $1,000 $1,000 0.10% 0.10%
    $50,000.00 - $99,999.99 $1,000 $1,000 0.15% 0.15%
    $100,000.00 - $249,999.99 $1,000 $1,000 0.25% 0.25%
    $250,000.00 - $499,999.99 $1,000 $1,000 0.35% 0.35%
    $500,000.00 and over $1,000 $1,000 0.50% 0.50%
    *Rates are variable and may change after account is opened. Fees may reduce earnings. Accounts with less than $1,000 will not earn dividends. Dividends compounded and paid monthly.

    Rates effective as of 04/06/2020.
    All rates, terms and conditions subject to change.

Loans

  • New Auto
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    Up to 48 mo. N/A 3.74% – 15.74% $22.46 – $28.21
    66 mo. $10,000 4.24% – 17.49% $18.00 – $23.69
    75 mo.  $15,000 4.99% – 17.74% $16.00 – $22.15
    84 mo.  $25,000 5.49% – 13.74% $14.37 – $18.60
    New Auto Rates apply to current model year, plus three prior years, with less than 35,000 miles.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates effective as of 07/01/2020.
    All rates, terms and conditions subject to change.

  • Used Auto
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    Up to 48 mo. N/A 3.74% – 15.74% $22.46 – $28.21
    66 mo. $10,000 4.24% – 17.49% $18.00 – $23.69
    75 mo.  $15,000 4.99% – 17.74% $16.00 – $22.15
    84 mo.  $25,000 5.49% – 13.74% $14.37 – $18.60
    Vehicles older than 10 model years or with mileage in excess of 100,000 miles, will be at a rate of 1.00% higher than the rates below.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates effective as of 07/01/2020.
    All rates, terms and conditions subject to change.

  • Motorcycle/Off-Road ATV
    New Motorcycle/Off-Road ATV Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    Up to 36 mo. N/A 2.99% – 15.49% $29.08 – $34.91
    48 mo. N/A 3.99% – 16.49% $22.57 – $28.59
    60 mo.  $10,000 3.99% – 16.49% $18.41 – $24.58
    72 mo.  $20,000 4.49% – 16.99% $15.87 – $22.24
    Used Motorcycle/Off-Road ATV Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    Up to 36 mo. N/A 3.49% – 15.99% $29.08 – $34.91
    48 mo. N/A 4.49% – 16.99% $22.57 – $28.59
    60 mo.  $10,000 4.49% – 16.99% $18.64 – $24.85
    72 mo.  $20,000 4.99% – 17.49% $16.10 – $22.52

    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates effective as of 07/01/2020.
    All rates, terms and conditions subject to change.

  • RV / Motor Home / Cargo Trailer
    New Recreational* Vehicle Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 3.74% – 15.74% $29.41 – $35.03
    48 mo. N/A 4.74% – 16.74% $22.91 – $28.72
    84 mo.  $10,000 4.74% – 16.74% $14.01 – $20.29
    96 mo.  $20,000 5.74% – 17.49% $13.02 – $19.42
    120 mo. $30,000 6.74% – 17.49% $11.48 – $17.69
    144 mo. $50,000 7.74% – 17.49% $10.68 – $16.65
    180 mo. $75,000 8.24% – 17.49% $9.70 – $15.74
    Used Recreational* Vehicle Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 4.24% – 16.24% $29.63 – $35.28
    48 mo. N/A 5.24% – 17.24% $23.14 – $28.98
    84 mo.  $10,000 5.24% – 17.24% $14.25 – $20.57
    96 mo.  $20,000 6.24% – 17.99% $13.26 – $19.72
    120 mo. $30,000 7.24% – 17.99% $11.73 – $18.01
    144 mo. $50,000 8.24% – 17.99% $10.96 – $16.98
    180 mo. $75,000 8.74% – 17.99% $9.99 – $16.10
    Rates and terms will vary based on the credit worthiness of individual applicants.
    *Recreational Vehicle/Motor Homes must contain living and sleeping facilities.
    Collateral conditions apply.
    Rates effective as of 07/01/2020.
    All rates, terms and conditions subject to change.

  • Watercraft
    New Watercraft Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 3.99% – 14.49% $29.52 – $34.42
    48 mo. N/A 4.99% – 15.49% $23.02 – $28.08
    60 mo.  $10,000 4.99% – 15.49% $18.87 – $24.08
    72 mo.   $10,000 5.99% – 16.49% $16.57 – $21.96
    84 mo. $15,000 6.99% – 17.49% $15.09 – $20.72
    96 mo. $30,000 7.49% – 17.49% $13.88 – $19.42
    120 mo. $50,000 7.99% – 17.49% $12.13 – $17.69
    Used Watercraft Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 4.49% – 14.99% $29.74 – $34.66
    48 mo. N/A 5.49% – 15.99% $23.25 – $28.34
    60 mo.  $10,000 5.49% – 15.99% $19.10 – $24.31
    72 mo.   $10,000 6.49% – 16.99% $16.81 – $22.24
    84 mo. $15,000 7.49% – 17.99% $15.33 – $21.01
    96 mo. $30,000 7.99% – 17.99% $14.13 – $19.72
    120 mo. $50,000 8.49% – 17.99% $12.39 – $18.01
    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates effective as of 07/01/2020.
    All rates, terms and conditions subject to change.

Personal Loans

  • Smart Personal
    Personal loan rates
    CONSUMER LOANS Maximum Repayment Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Smart Personal Loan: Maximum: $20,000 60 Mo. Lowest - Highest
    10.50% - 17.75%    		 Lowest - Highest
    $21.49 - $25.26

    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates effective as of 07/01/2020.
    All rates, terms and conditions subject to change.

  • Ready Line of Credit
    Ready cash line of credit rates
    CONSUMER LOANS Maximum Repayment Non-Variable Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Ready Cash Line of Credit/ Overdraft Protection N/A Lowest - Highest
    13.50% - 18.00%1    		 $302

    ¹Rates and terms will vary based on the credit worthiness of individual applicants.
    ²Your monthly payment will be 3% of the credit limit with a minimum of $25. There is no grace period and interest will begin to accrue on the date of the transaction or advance.
    Rates effective as of 07/01/2020.
    All rates, terms and conditions subject to change.

  • Secured
    Share/Savings secured loan rates
    TYPE OF LOAN Maximum Loan Amount Maximum Repayment Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Share Certificate Up to 95% of share certificate Not to exceed maturity date of certificate 5% $29.97¹
    Savings Secured Up to 95% of the available shares 144 Mo. 5% $9.25²
    Rates and terms will vary based on the credit worthiness of individual applicants.
    ¹Payment per $1000 is based on a 36 month term with an APR of 5.00%.
    ²Payment per $1000 based on a 144 month term with an APR of 5.00%.
    Rates effective as of 07/01/2020.
    All rates, terms and conditions subject to change.

Fixed Rate Home Loans

  • Conventional First Mortgage

    Conventional First Mortgage Rates
    Loan Term* Rate Points Annual Percentage Rate
    30 Year 3.0% 0.000% 3.119%
    20 Year 2.75% 0.000% 2.917%
    15 Year 2.375% 0.000% 2.553%
    10 Year 2.25% 0.000% 2.511%
    Rates Effective As Of 07/29/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    Upon underwriting approval, the appraisal fee will be collected before the appraisal will be ordered.
    *Conventional Payment Example: A loan amount of $510,400 for 30 years at 3.130% APR would have a monthly payment of $2,152. This example does not include taxes and insurance. Your actual payment obligation will be higher.
    Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus pre-paid fees and 95% loan-to-value (LTV) ratio. Private Mortgage Insurance is required on loans over 80% LTV.

  • Veterans Affairs (VA)

    Call (661) 833-7926 for current rate information.

  • Federal Housing Administration (FHA)

    Call (661) 833-7926 for current rate information.

  • Manufactured Housing

    Manufacturing housing rates
    Loan Term* Rate Points Annual Percentage Rate
    30 Year 3.375% 1.000% 3.501%
    15 Year 3.125% 1.000% 3.300%
    Rates Effective As Of 03/23/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    *Manufactured Payment Example: A $510,400 loan for 30 years at 3.501% APR would have a monthly payment of $2,256. This example does not include taxes and insurance. Your actual payment obligation will be higher Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus pre-paid fees and 80% loan-to-value (LTV) ratio and does not include Private Mortgage Insurance (PMI). PMI is required on loans over 80% LTV.
    Manufactured homes must be on a permanent foundation and a recorded “Notice of Manufactured Home, Mobile Home, or Commercial Coach Installation on a Foundation system,” also known as 433A, must be presented to us prior to approval. (Primary Residence and Vacation Homes).

  • Investment Property

    Investment loan rates
    Conventional/Conforming – Fixed Rate Investment Mortgage
    Loan Term* Rate Points** Annual Percentage Rate
    15 Year 3.000% 3.375% 3.579%
    Rates Effective As Of 03/23/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    *Investment Payment Example: A $510,400 loan for 15 years at 3.579% APR would have a monthly payment of $3,525. This example does not include taxes and insurance. Actual payment obligation will be higher.
    Minimum 20% down payment is required on 1 unit properties. Minimum 25% down payment is required on 2-4 unit properties.
    Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus pre-paid fees and 80% loan-to-value (LTV) ratio. Private Mortgage Insurance is required on loans over 80% LTV.
    **Base point structures listed are for loan-to-values up to 75%. If you are applying for a loan that has a loan-to-value between 75-80%, then the base point structure is increased by 1.000% additional points.
    Adjustable Rate Investment Mortgage (ARM)
    Loan Term*** Rate Points Annual Percentage Rate
    15 Year
    5/5 Adj
    Margin 1.750%
    Cap 2/5    		 3.125% 0.000% 3.206%
    30 Year/15 Year Balloon³
    5/5 Adj
    Margin 1.750%
    Cap 2/5    		 3.500% 0.000% 3.347%
    Rates Effective As Of 02/21/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    ***Investment ARM Payment Example: A loan amount of $510,400, for 15 years at 3.206% APR would have a monthly payment of $3,555. This example does not include taxes and insurance. Actual payment obligation may be higher.
    Minimum 20% down payment is required on all property types.
    Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus prepaid fees and 80% loan-to-value (LTV) ratio and does not included Private Mortgage Insurance (PMI). PMI is require on loans over 80% loan to value (LTV).
    Adjustable Rate Mortgages 5/5 (ARM) has a fixed rate for an initial period of five years; then adjusts every five years thereafter and requires a minimum 20% down. Subject to index, margin, and periodic rate caps. Adjustable rate will be based on the weekly average yield on United States treasury securities adjusted to a constant maturity of five years.
    ³A balloon payment will be due and payable on the 15- year maturity date. Subject to index, margin, and periodic rate caps. Adjustable rate will be based on the weekly average yield on United States Treasury securities adjusted to a constant maturity of five years.

Adjustable Rate* Home Loans

  • 5/5 Adjustable Rate Mortgage - Conforming and Jumbo Loans

    5/5 ARM Conforming and Jumbo Loan Rates
    Loan Program Loan Term Rate Points Adjustable Annual Percentage Rate
    5/5 Conforming Adjustable Margin 1.750%
    Cap 2/5    		 30 Year 2.750% 0.00% 2.628%
    5/5 Jumbo Adjustable Margin 1.750%
    Cap 2/5    		 30 Year 2.750% 0.00% 2.618%
    Rates Effective As Of 03/04/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    5/5 ARM Conforming loan payment example: A $510,400 loan for 30 years at 2.628% APR would have a monthly payment of $2,084. This example does not include taxes and insurance. Actual payment obligation will be higher.
    5/5 Jumbo ARM loan payment example: A $750,000 loan for 30 years at 3.618% APR would have a monthly payment of $3,062. This example does not include taxes and insurance. Actual payment obligation will be higher.
    Jumbo loans are loan amounts starting at $510,401. Minimum 10% down required.
    Annual Percentage Rates (APR) are based on loan amounts of $750,000 for Jumbo loans plus pre-paid fees and 80% loan-to-value (LTV) ratio.
    *Additional Information about our Adjustable Rate Mortgages (ARM) – The APR, interest rate and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index.

  • 7/1 Adjustable Rate Mortgage - Conforming and Jumbo Loan Rates

    7/1 ARM Conforming and Jumbo Loan Rates
    Loan Program Loan Term Rate Points Adjustable Annual Percentage Rate
    7/1 Conforming Adjustable Margin 2.375%
    Cap 5/2/5    		 30 Year 3.000% 0.00% 3.576%
    7/1 Jumbo Adjustable Margin 2.625%
    Cap 5/2/5    		 30 Year 3.250% 0.00% 3.749%
    Rates Effective As Of 03/04/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    7/1 ARM Conforming loan payment example: A $510,400 loan for 30 years at 2.628% APR would have a monthly payment of $2,084. This example does not include taxes and insurance. Actual payment obligation will be higher.
    Annual Percentage Rates (APR) are based on loan amounts of $510,400 for conforming loans plus pre-paid fees and 80% loan-to-value (LTV) ratio.
    7/1 ARM Jumbo loan payment example: A $750,000 loan for 30 years at 3.158% APR would have a monthly payment of $3,213. This example does not include taxes and insurance. Actual payment obligation will be higher.
    Jumbo loans are loan amounts starting at $510,401. Minimum 20% down required.
    Annual Percentage Rates (APR) are based on loan amounts of $750,000 for Jumbo loans plus pre-paid fees and 80% loan-to-value (LTV) ratio.
    *Additional Information about our Adjustable Rate Mortgages (ARM) – The APR, interest rate and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index.

Home Equity Loans

  • Powerhouse

    powerhouse loan rates
    Loan Type Annual Percentage Rate Maximum Term** Maximum Loan-To-Value
    Powerhouse 80 6.000% 20 Years 80%
    Powerhouse 85 5.000% 15 Years 85%
    Powerhouse 90 4.000% 10 Years 90%
    Rates Effective As Of 03/24/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    **Payment Example: A $35,000 loan at 6.00% would have 240 monthly payments of $253. Property must be owner occupied. A full appraisal may be required based on the loan amount or combined loan to value.

  • Prime Equity Line of Credit

    prime equity loan rates
    Loan Type Adjustable+ Annual Percentage Rate Max Repayment Max Loan Amount Draw Period
    Prime Equity As low as
    6.25%    		 25 Years Up to 80% CLTV First 10 Years
    Rates Effective As Of 03/24/2020.
    All rates, terms and conditions subject to change.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    The above Annual Percentage Rates were calculated using a loan of $35,000.
    +Additional information about our Adjustable Rate Mortgage (ARM) - The APR, interest rate, and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index. The APR cannot increase more than 2% per year. The APR will never exceed 15%.
    Property must be owner occupied. Hazard insurance is required on the property being used as collateral. Interest may be tax deductible, consult your tax advisor for more information. A full appraisal may be required based on the loan amount or combined loan to value.