Rates

Mortgage Rates

Home loan financing terms, disclosures, and example scenarios.

Buying a home? Check out our first month credit offer on home purchases through September 30, 2021.

Refinancing to lower your payments or take cash out? No origination fees through end of 2021.

Purchase: Conforming Loan Rates

Apply Now
Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Purchase 3.125% 3.154% -0.125 $300,000.00 $1,285.13
15-year Fixed Rate Purchase 2.375% 2.516% 0.500 $300,000.00 $1,982.76

Interest Rates Effective: 09/23/2021

Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

Purchase: Jumbo Loan Rates

Apply Now
Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Jumbo Purchase 3.000% 3.065% 0.500 $900,000 $3,794.44
15-year Fixed Rate Jumbo Purchase 2.875% 2.994% 0.500 $900,000 $6,161.27

Interest Rates Effective: 09/23/2021

Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

Refinance: Rate-and-Term Refi Rates

Apply Now
Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Refinance 3.125% 3.164% 0.000 $300,000.00 $1,285.13
15-year Fixed Rate Refinance 2.375% 2.516% 0.500 $300,000.00 $1,982.76

Interest Rates Effective: 09/23/2021

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

Refinance: Cash-out Refi Rates

Apply Now
Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Cash-out Refinance 3.250% 3.290% 0.000 $300,000 includes $100,000 cash out $1,305.62
15-year Fixed Cash-out Refinance 2.500% 2.641% 0.500 $300,000 includes $100,000 cash out $2,000.37

Interest Rates Effective: 09/23/2021

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs. 

Construction Loan Rates

Apply Now
Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Construction 3.50% 3.570% 0.375 $300,000 $1,347.13
15-year Fixed Rate Construction 3.25% 3.340% 0.125 $300,000 $2,108.01

Interest Rates Effective: 09/23/2021

Assumes a custom construction of an owner-occupied single-family residence with a loan amount of $300,000 based on a finished value of $400,000.  Loan terms include a 12-month construction period with interest only payments based on funds as they are used for construction.  Converts to a monthly fixed P&I payment at the end of the construction period.  APR *(Annual Percentage Rate) is based on loan amount and interest rate. Examples of monthly P & I payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs. 

Land Loans Rates

Apply Now
Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
20 Year Fixed Rate Land Purchase (20yr / 5yr balloon) 5.625% 5.793% 0.375 $140,000 $972.95

Interest Rates Effective: 09/23/2021

Rates listed are for an improved land purchase with a 30% down payment and borrower credit score of 740.  After first 5 years, remaining outstanding principal balance would be a balloon payment of $118,115.27 which could be paid in full or refinanced. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

Checking

Apr 23, 2021, 14:59 PM
Title : Checking
Effective date : 09/17/2021
Revised date : 09/16/2021
Column 1 header override :
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override :
External site URL : https://secure.andera.com/index.cfm?fiid=1D9BCF66E6414F0E97618D32F991ABFA
External Site URL (for Quin Page) :

BUSINESS CHECKING * ASK FOR DETAILS

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

Apply Now Action :
Load more comments
Comment by from

Home Equity Line of Credit (HELOC) Rates

Apply Now
Loan Type Closing Costs APR Ex: Line Amount Ex: Interest-only Monthly Payment (5-year draw) Ex: Monthly Payment (15-year fixed rate)
Variable Line of Credit None 4.50% $100,000 $375 $764.99
Variable Line of Credit with 3.99% promo rate for first 12 months Paid by Customer 3.99% first 12 months; 4.50% months 13-48 $100,000 $332.50 for 12 months; $375 for 48 months $764.99

Interest Rates Effective: 09/23/2021

Example rates are based on a primary residence and borrower credit score of 700. Assumes the borrower has a first lien mortgage and the home equity line is a second lien on subject property.  Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.50% and a maximum APR of 18.00%. Max 80% LTV.  Loan terms include a 5-year interest-only draw period and converts to a 15-year fixed rate term with P&I payments based on current interest rate in effect at time of conversion.  APR (Annual Percentage Rate) is based on loan amount, interest rate, LTV and credit score. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance.  Rate, terms, and fees are subject to change without notice. Subject to credit approval.  Ask us about additional available loan programs. 

 

 

Vehicle Loan Rates

Rates for new and used auto loans, boat loans, motorcycle loans, and others.

Checking

Apr 23, 2021, 14:59 PM
Title : Checking
Effective date : 09/17/2021
Revised date : 09/16/2021
Column 1 header override :
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override :
External site URL : https://secure.andera.com/index.cfm?fiid=1D9BCF66E6414F0E97618D32F991ABFA
External Site URL (for Quin Page) :

BUSINESS CHECKING * ASK FOR DETAILS

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

Apply Now Action :
Load more comments
Comment by from

Checking

Apr 23, 2021, 14:59 PM
Title : Checking
Effective date : 09/17/2021
Revised date : 09/16/2021
Column 1 header override :
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override :
External site URL : https://secure.andera.com/index.cfm?fiid=1D9BCF66E6414F0E97618D32F991ABFA
External Site URL (for Quin Page) :

BUSINESS CHECKING * ASK FOR DETAILS

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

Apply Now Action :
Load more comments
Comment by from

Checking

Apr 23, 2021, 14:59 PM
Title : Checking
Effective date : 09/17/2021
Revised date : 09/16/2021
Column 1 header override :
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override :
External site URL : https://secure.andera.com/index.cfm?fiid=1D9BCF66E6414F0E97618D32F991ABFA
External Site URL (for Quin Page) :

BUSINESS CHECKING * ASK FOR DETAILS

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

Apply Now Action :
Load more comments
Comment by from

Checking

Apr 23, 2021, 14:59 PM
Title : Checking
Effective date : 09/17/2021
Revised date : 09/16/2021
Column 1 header override :
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override :
External site URL : https://secure.andera.com/index.cfm?fiid=1D9BCF66E6414F0E97618D32F991ABFA
External Site URL (for Quin Page) :

BUSINESS CHECKING * ASK FOR DETAILS

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

Apply Now Action :
Load more comments
Comment by from

 

 

Deposit Rates

Rates for checking, savings, money market, CDs, retirement, and other interest-bearing accounts.

Checking

Apr 23, 2021, 14:59 PM
Title : Checking
Effective date : 09/17/2021
Revised date : 09/16/2021
Column 1 header override :
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override :
External site URL : https://secure.andera.com/index.cfm?fiid=1D9BCF66E6414F0E97618D32F991ABFA
External Site URL (for Quin Page) :

BUSINESS CHECKING * ASK FOR DETAILS

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

Apply Now Action :
Load more comments
Comment by from

Checking

Apr 23, 2021, 14:59 PM
Title : Checking
Effective date : 09/17/2021
Revised date : 09/16/2021
Column 1 header override :
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override :
External site URL : https://secure.andera.com/index.cfm?fiid=1D9BCF66E6414F0E97618D32F991ABFA
External Site URL (for Quin Page) :

BUSINESS CHECKING * ASK FOR DETAILS

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

Apply Now Action :
Load more comments
Comment by from

Checking

Apr 23, 2021, 14:59 PM
Title : Checking
Effective date : 09/17/2021
Revised date : 09/16/2021
Column 1 header override :
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override :
External site URL : https://secure.andera.com/index.cfm?fiid=1D9BCF66E6414F0E97618D32F991ABFA
External Site URL (for Quin Page) :

BUSINESS CHECKING * ASK FOR DETAILS

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

Apply Now Action :
Load more comments
Comment by from

Checking

Apr 23, 2021, 14:59 PM
Title : Checking
Effective date : 09/17/2021
Revised date : 09/16/2021
Column 1 header override :
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override :
External site URL : https://secure.andera.com/index.cfm?fiid=1D9BCF66E6414F0E97618D32F991ABFA
External Site URL (for Quin Page) :

BUSINESS CHECKING * ASK FOR DETAILS

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

Apply Now Action :
Load more comments
Comment by from

Fixed Rate CDs

Apply Now
Term Interest $100 to $9,999 APY Interest $10,000 to $49,999 APY Interest $50,000 to $99,000 APY $100,000 and above APY
46 Days 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05%
3 Months 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05%
6 Months 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%
1 Year 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
2 Years 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
3 Years 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
4 Years 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
5 Years 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35%

Interest Rates Effective: 09/17/2021

Revised: 09/16/2021

Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate. Penalties may be imposed on early withdrawal. Fees could reduce earnings. Interest compounds daily.

*APY assumes funds remain on deposit for 1 year.


Checking

Apr 23, 2021, 14:59 PM
Title : Checking
Effective date : 09/17/2021
Revised date : 09/16/2021
Column 1 header override :
Column 2 header override :
Column 3 header override :
Column 4 header override :
Column 5 header override :
External site URL : https://secure.andera.com/index.cfm?fiid=1D9BCF66E6414F0E97618D32F991ABFA
External Site URL (for Quin Page) :

BUSINESS CHECKING * ASK FOR DETAILS

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

Apply Now Action :
Load more comments
Comment by from

Traditional and Roth IRA CDs

Term Interest $100 to $9,999 APY Interest $10,000 to $49,999 APY Interest $50,000 to $99,000 APY $100,000 and above APY
12 months 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20% 0.20%
24 months 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
36 months 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
48 months 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%
60 months 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35% 0.35%

Interest Rates Effective: 09/17/2021

Revised: 09/16/2021

Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate to maturity. Penalties may be imposed on early withdrawal. Minimum balance per tier required to open. Fees could reduce earnings.

Interest compounds daily. If principal is withdrawn prior to maturity a penalty may be imposed. The penalty is waived at age 59 ½.


Retirement & Education Savings Rates

Amount VIP Interest VIP APY Roth Interest Roth APY Coverdell Interes Coverdell APY
$25 to $4,999 0.03% 0.03% 0.03% 0.03% 0.03% 0.03%
$5,000 to $24,999 0.03% 0.03% 0.03% 0.03% 0.03% 0.03%
$25,000 to $49,999 0.08% 0.08% 0.08% 0.08% 0.08% 0.08%
$50,000 and above 0.08% 0.08% 0.08% 0.08% 0.08% 0.08%

Interest Rates Effective: 09/17/2021

Revised: 09/16/2021

Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Minimum balance per tier required to open. Fees could reduce earnings.

Interest compounds daily and the interest rate may change monthly. Additional Deposits allowed on this account at any time during term.