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Effective As of 10/25/2025
| Type | Minimum Balance for APY* | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|---|
| Direct Interest Checking | $0 | $50 | 0.05% | 0.05% |
| Platinum Interest Checking Tier 1 | $0 | $50 | 0.05% | 0.05% |
| Platinum Interest Checking Tier 2 | $1500 | $50 | 0.20% | 0.20% |
| Business Interest Checking | $0 | $50 | 0.10% | 0.10% |
*APY means Annual Percentage Yield. Minimum daily balance is the amount of principal in the account each day. Fees could reduce earnings on your account. Rate subject to change. Speak to a Customer Service Representative for more information.
Effective As of 10/25/2025
| Type | Minimum Balance for APY* | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|---|
| Simply Savings | $50 | $50 | 0.30% | 0.30% |
| Business Savings | $50 | $50 | 0.30% | 0.30% |
| Children Savings | $50 | $50 | 0.30% | 0.30% |
*APY means Annual Percentage Yield. Minimum daily balance is the amount of principal in the account each day. Fees could reduce earnings on your account. Rate subject to change. Speak to a Customer Service Representative for more information.
Effective As of 10/25/2025
| Minimum Balance for APY* | Minimum Deposit to Open* | Interest Rate | APY* |
|---|---|---|---|
| $50 | $50 | 0.20% | 0.20% |
| $2,500 | $50 | 0.30% | 0.30% |
| $20,000 | $50 | 0.50% | 0.50% |
| $50,000 | $50 | 0.65% | 0.65% |
| $100,000 | $50 | .085% | 0.85% |
| $200,000 | $50 | 1.24% | 1.25% |
*APY means Annual Percentage Yield. Minimum daily balance is the amount of principal in the account each day. Fees could reduce earnings on your account. Rate subject to change. Speak to a Customer Service Representative for more information.
Effective As of 10/25/2025
| Type | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| 6 Month | $1,000 | 2.62% | 2.65% |
| 9 Month | $1,000 | 3.78% | 3.85% |
| 1 Year | $1,000 | 2.86% | 2.90% |
| 14 Month | $1,000 | 3.63% | 3.70% |
| 18 Month Bump-Up | $1,000 | 2.72% | 2.75% |
| 2 Year | $1,000 | 2.72% | 2.75% |
| 3 Year | $1,000 | 2.47% | 2.50% |
| 40 Month Bump-Up | $1,000 | 2.47% | 2.50% |
| 4 Year | $1,000 | 2.23% | 2.25% |
| 5 Year | $1,000 | 2.23% | 2.25% |
*APY (Annual Percentage Yield) assumes interest remains on deposit until maturity. Minimum daily balance is the amount of principal in the account each day. Penalty may be assessed for early withdrawal, and a withdrawal will reduce earnings. For certificates with the Bump Up option, the interest rate and APY may be changed once during the term of the certificate. Rate subject to change. Speak to a Customer Service Representative for more information.
Effective As of 10/25/2025
| Type | Minimum Balance for APY* | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|---|
| 6 Month | $1,000 | 2.62% | 2.65% | |
| 9 Month | $1,000 | 3.78% | 3.85% | |
| 1 Year | $1,000 | 2.86% | 2.90% | |
| 14 Month | $1,000 | 3.63% | 3.70% | |
| 18 Month Bump-Up | $1,000 | 2.72% | 2.75% | |
| 2 Year | $1,000 | 2.72% | 2.75% | |
| 3 Year | $1,000 | 2.47% | 2.50% | |
| 40 Month Bump-Up | $1,000 | 2.47% | 2.50% | |
| 4 Year | $1,000 | 2.23% | 2.25% | |
| 5 Year | $1,000 | 2.23% | 2.250% | |
| Money Market Account | $50 | $50 | See Money Market Rates |
*APY (Annual Percentage Yield) assumes interest remains on deposit until maturity. Minimum daily balance is the amount of principal in the account each day. Penalty may be assessed for early withdrawal, and a withdrawal will reduce earnings. For certificates with the Bump Up option, the interest rate and APY may be changed once during the term of the certificate. Rate subject to change. Traditional and Roth IRAs available. Speak to a Customer Service Representative for more information.
Effective As of 10/25/2025
| Term | Rate | APR* | Points |
|---|---|---|---|
| 15 Year Fixed | 5.875% | 6.038% | 0 |
| 20 Year Fixed | 6.125% | 6.257% | 0 |
| 30 Year Fixed | 6.500% | 6.615% | .125 |
| 5/1 ARM | 6.100% | 6.232% | .350 |
| 7/1 ARM | 6.350% | 6.485% | .350 |
*APR = Annual Percentage Rate. The displayed APR for the loan products shown above is based on the interest rate (Rate), points (if applicable) and certain estimated finance charges Maximum loan amount $806,500. Please contact us for amounts greater than $806,500. Maximum Loan to value (LTV): 95%. Private Mortgage Insurance (PMI) insurance is required on all mortgage loans over 80% LTV. Example: Based on a 30 year fixed rate mortgage loan with a rate of 6.500%, you would make 360 monthly P&I payments of $948.11. This payment does not include escrow for taxes and insurance. APR is based on a $150,000 loan with 20% down. Adjustable-Rate Mortgage (ARM) interest rates and payments are subject to change after the initial fixed-rate period (5 years for a 5/1 ARM and 7 years for a 7/1 ARM); the interest rate may adjust once each year thereafter based on a market index. Other rates and terms are available. Rates are subject to change. Property insurance is required. Subject to credit approval. For further information, please see one of our Loan Officers.
Effective As of 10/25/2025 *APR means Annual Percentage Rate. Owner occupied with loan-to-value (LTV) up to 95%. PMI insurance is required on all mortgage loans over 80% LTV. Maximum loan amount $403,250. APR is based on a $150,000 loan with 20% down. Example: Based on a 30 year fixed rate mortgage loan with a rate of 6.000% you would make 360 monthly P&I payments of $899.33. This payment does not include escrow for taxes and insurance. Your actual payment obligation will be higher. Property insurance is required. Subject to credit approval. Other rates and terms are available. Rates are subject to change. For further information, please speak to one of our Loan Officers.First-Time Homebuyer Program
Term Rate APR* Points 30 Year Fixed 6.000% 6.098% 0
Effective As of 10/25/2025
| Term | Minimum | First Lien Position APR* | Second Lien Position APR* |
|---|---|---|---|
| 5 Years | $25,000 | 6.000% | 6.500% |
| 7 Years | $25,000 | 6.000% | 6.500% |
| 10 Years | $25,000 | 6.250% | 6.750% |
| 15 Years | $50,000 | 6.500% | 7.000% |
| 20 Years | $50,000 | 7.000% | 7.500% |
Maximum loan amount: 80% of value less any mortgage balance. Maximum loan: $750,000 *APR = Annual Percentage Rate. Property insurance is required. Example: Based on a 5 year, $25,000 home equity loan with an APR of 6.000%, you would make 60 monthly payments of $483.33. Other rates and terms are available. Rates are subject to change. Subject to credit approval. For further information, please see one of our Loan Officers.
