Current Rates

Check back often to see our latest, competitive rates.

This is your resource for current mortgage rates, as well as rates for CDs, IRAs, checking accounts and savings accounts.

Mortgage Rates

Effective Date: Tuesday, November 13, 2018

 RatePointsAPRPayment**
30 Year Fixed5.000%05.077%$537
20 Year Fixed4.875%04.979%$653
15 Year Fixed4.500%04.631%$765
Disclaimer

** Payment based per $100,000 amount

Columns labeled “APR” refer to the “Annual Percentage Rate”. For definitions of these and other home mortgage terms visit Mortgage Terms & Definitions.

ANNUAL PERCENTAGE RATE (APR) IS BASED ON $100,000 LOAN AMOUNT WITH 20% DOWNPAYMENT. LOANS WITH LTV’S GREATER THAN 80% REQUIRE PRIVATE MORTGAGE INSURANCE. APR-To make it easier for consumers to compare mortgage loan interest rates, the federal government developed a standard format called an “Annual Percentage Rate” or APR to provide an effective interest rate for comparison shopping purposes. Some of the costs that you pay at closing are factored into the APR for ease of comparison. Your actual monthly payments are based on the interest rate, not the APR. Special Information for all adjustable rate mortgages- The interest rates are subject to change and may increase or decrease due to market-driven changes to the index. For information regarding our arm products, margins, caps and indexes, please call 877-757-7815. RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE

CDs & IRAs

Effective Date: Tuesday, November 13, 2018

 Minimum Balance
to Earn APY
Interest RateAPY
3-Month CD$500.15%.15%
Youth 6-Month CD$75.25%.25%
6-Month CD$500.30%.30%
12-Month CD$500.50%.50%
2-Yr CD$500.75%.75%
3-Yr CD$500.85%.85%
4-Yr CD$5001.24%1.25%
5-Yr CD$5001.54%1.55%
IRA/SEP Savings-Variable Rate$25.20%.20%
Disclaimer

Annual Percentage Yield (APY) is accurate as of effective date listed above.

Certificates of Deposit are available as Individual Retirement Account. Deposits of $250 or more may be added during the term to all new and renewed IRA/SEP CDs. For IRAs, the minimum amount you can deposit is designated in your IRA disclosure.

A penalty may be imposed for early withdrawal of certificates of deposit, including IRAs/SEPs invested in certificates of deposit.

The rate may change on variable rate deposit products after the account is opened.

Kasasa Rates

Effective Date: Tuesday, November 13, 2018

 Kasasa Cash®Kasasa Cash Back®Kasasa Tunes®
Free checking
Monthly reward when qualifications are met**2.00% APY* paid on balances up to $15,000 .25% APY* on balances $15,000 and over. .05% APY* paid even when qualifications aren't met.2.00% cash back on deibt card purchases---that's up to $8.00 per month.Up to $10 in refunds on iTunes®, Amazon® & Google Play™ purchases each month.
Refunds on ATM fees, nationwideUp to $25 per monthUp to $25 per monthUp to $25 per month
No minimum balance to earn rewards
No monthly service fees
Kasasa Saver® available
Minimum deposit to open$25$25$25
Disclaimer

*Annual Percentage Yield is accurate as of October 1, 2018 and can change at any time.

**Monthly qualificiations for Kasasa Cash®, Kasasa Cash Back® and Kasasa Tunes® are 12 debit card purchases post & settle (exclude ATM transactions), make 1 direct deposit or ACH debit transaction and receive monthly statements electronically.

Qualification cycle means the period beginning on the 2nd Wednesday of the month through the business day prior to the 2nd Wednesday of the following month.

Personal Savings Accounts

Effective Date: Tuesday, November 13, 2018

 Minimum to
Open Account
Minimum Balance
to Earn APY
Interest RateAPY
Statement Savings *
Variable Rate
$50$50.10%.10%
Youth Statement Savings
Variable Rate
$1$4.10%.10%
Savers Club
Variable Rate
$2$2.10%.10%
Money Market Account*
Variable Rate ¹
$1,000$1,000.00-$9,999.99.05%.05%
$10,000-$49,999.99.10%.10%
$50,000-$99,999.99.15%.15%
$100,000-$499,999.99 .25%.25%
$500,000.00-over.30%.30%
Health Savings Account *
Variable Rate
$25$1.05%.05%
$1,000.10%.10%
$5,000.15%.15%
$15,000.20%.20%
Disclaimer

Annual Percentage Yield (APY) is accurate as of effective date listed above.

The rate may change on variable rate deposit products after the account is opened.

All rates are subject to change without notice.

* Fees could reduce the earnings on the account.

¹ This is a tiered rate account.  The interest rate paid will be based on balances defined by tier.

Business Checking & Savings Accounts

Effective Date: Tuesday, November 13, 2018

 Minimum to
Open Account
Minimum Balance
to Earn APY
Interest RateAPY
Non-Profit Plus
Variable Rate
$500$10,000.20%.20%
$50,000.30%.30%
Business NOW Account$500$500.05%.05%
Money Market Account*
Variable Rate ¹
$1000$1,000.00-$9,999.99 .05%.05%
$10,000-$49,999.99.10%.10%
$50,000-$99,999.99.15%.15%
$100,000-$499,999.99.25%.25%
$500,000-over.30%.30%
Disclaimer

Annual Percentage Yield (APY) is accurate as of effective date listed above.

All rates are subject to change without notice.

The rate may change on variable rate deposit products after the account is opened.

* Fees could reduce the earnings on the account.

¹ This is a tiered rate account. The interest rate paid will be based on balances defined by tier.