Rates

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 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 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 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.

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 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 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.

Homeowner Plus Personal loan rates
Repayment Terms	Loan Amount	Fixed Rate Annual Percentage Rates2	Estimated Payment per $1,000.00
		Lowest – Highest	Lowest – Highest
Up to 60 months	< $10,000	10.50% - 17.75%	$21.49 - $25.26
Up to 120 months	$10,000 - $35,000	10.50% - 17.75%	$13.00 - $18.00

 

Rates effective as of 10/23/2020.
All rates, terms and conditions subject to change.

Account must be in good standing. Proof of income and credit approval required.
*Loan is unsecured and is not a mortgage product. Proof of home ownership required. Limit one per household.
¹No other discounts may apply. 
²Rates and terms will vary based on the credit worthiness of individual applicants.

Conventional First Mortgage Rates
Loan Term*	Rate	Points	Annual Percentage Rate
30 Year	3.000%	0.000%	3.043%
20 Year	2.750%	0.000%	2.811%
15 Year	2.375%	0.000%	2.453%
10 Year	2.250%	0.000%	2.364%

Rates Effective As Of 07/30/2020.
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.

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

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

Manufacturing housing rates
Loan Term*	Rate	Points	Annual Percentage Rate
30 Year	3.000%	1.000%	3.123%
20 Year	2.750%	1.000%	2.923%

Rates Effective As Of 07/30/2020.
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 loan rates
Conventional/Conforming – Fixed Rate Investment Mortgage
Loan Term*	Rate	Points**	Annual Percentage Rate
15 Year	2.625%	3.375%	3.200%
Rates Effective As Of 07/30/2020. 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 07/30/2020.
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.

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 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.

powerhouse loan rates
Loan Type	Annual Percentage Rate	Maximum Term**	Maximum Loan-To-Value
Powerhouse 80	6.00%	20 Years	80%
Powerhouse 85	5.00%	15 Years	85%
Powerhouse 90	4.00%	10 Years	90%

Rates Effective As Of 09/01/2020.
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 loan rates
Loan Type	Adjustable+ Annual Percentage Rate	Max Repayment	Max Loan Amount	Draw Period
Prime Equity	As low as 5.00%	25 Years	Up to 80% CLTV	First 10 Years

Rates Effective As Of 09/01/2020.
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.