Rates
Individual Retirement Accounts
An IRA CD offers the security of a traditional Certificate of Deposit with the tax advantages of an Individual Retirement Account (IRA).
Mortgage Rates
Home loan financing terms, disclosures, and example scenarios.
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Purchase: 7/1 Adjustable Rate Mortgage (ARM)
Apply NowLoan Type | Loan Type Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment - 7 years | Ex: Monthly Payment - 23 years |
---|---|---|---|---|---|---|
7/1 ARM | 7.750%, first 7 years; then 1 year CMT + 3.00 adjusted annually for years 8-30 | 8.125% | 0.000 | $300,000 | $2,149.24 | $3,106.00 maximum P&I payment over the remaining 23 years |
Interest Rates Effective: 4/12/2024
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Home Equity Loans
Apply NowLoan Term | Closing Costs | APR | Ex: Loan Amount | Ex: Monthly Payment |
---|---|---|---|---|
15-year Fixed Rate Home Loan | Paid by Customer | 7.875% | $100,000 | $948.45 |
Interest Rates Effective: 4/12/2024
Home Equity Line of Credit (HELOC) Rates
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. Closing costs may range between $737 and $3,500. Variable rate may increase after closing, as it is determined by WSJ Prime + a margin with a minimum APR of 4.25% and a maximum APR of 18.00%. Max 80% LTV. Loan terms include a 10-year interest-only draw period and converts to a 15-year fixed rate term with principal and interest 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. There is a $100 annual fee to maintain a Home Equity Line of Credit. Rate, terms, and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Deposit Rates
Rates for checking, savings, money market, CDs, retirement, and other interest-bearing accounts.
Checking
Apply NowAccount Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
---|---|---|---|---|
Cascade Checking Up to $1,000.00 | 0.00% | 0.00% | Daily | $25.00 |
Cascade Checking $1,000.00 - $49,999.99 | 0.01% | 0.01% | Daily | $1,000.00 |
Cascade Checking $50,000.00 - $99,999.00 | 0.01% | 0.01% | Daily | $50,000.00 |
Cascade Checking $100,000.00 or more | 0.02% | 0.02% | Daily | $100,000.00 |
Interest Rates Effective: 02/09/2024
Revised: 02/08/2024
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.
Savings
Apply NowAccount Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
---|---|---|---|---|
Summit Savings | 0.03% | 0.03% | Daily | $100 |
Holiday Club | 0.03% | 0.03% | Daily | $25 |
First Savings** | 0.03% | 0.03% | Daily | $1 |
Interest Rates Effective: 02/09/2024
Revised: 02/08/2024
NOTE: Annual Percentage Yield (APY) is based on a balance of $100.00.
*Annual Percentage Yield (APY) 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.
** Minimum Deposit to open is $1.00
Business Savings
Balance | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
---|---|---|---|---|
Any | 0.03% | 0.03% | Daily | $0 |
Interest Rates Effective: 02/09/2024
Revised: 02/08/2024
Premium Business Savings
Balance | Interest Rate | APY* | Method of Compounding | Minimum Balance to Earn APY |
---|---|---|---|---|
$0 - $99,999.99 | 0.03% | 0.03% | Daily | $0 |
$100,000 - $249,999.99 | 2.47% | 2.50% | Daily | $100,000 |
Over $250,000 | 2.96% | 3.00% | Daily | $250,000 |
Interest Rates Effective: 02/09/2024
Revised: 02/08/2024
First Rate Money Market Rates
Apply NowAccount Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
---|---|---|---|---|
$1,000.00 - $9,999.99 | 0.05% | 0.05% | Daily | $1,000.00 |
$10,000.00 - $49,999.99 | 0.05% | 0.05% | Daily | $10,000.00 |
$50,000.00 - $99,999.99 | 0.10% | 0.10% | Daily | $50,000.00 |
$100,000.00 or more | 0.15% | 0.15% | Daily | $100,000.00 |
Interest Rates Effective: 02/09/2024
Revised: 02/08/2024
Spruce Money Market Rates
Apply NowAccount Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
---|---|---|---|---|
$10,000-$99,999.99 | 0.10% | 0.10% | Daily | $10,000.00 |
$100,000.00 - $249,999.99 | 0.15% | 0.15% | Daily | $100,000.00 |
$250,000.00 - $499,999.00 | 0.20% | 0.20% | Daily | $250,000.00 |
$500,000.00 or more | 0.30% | 0.30% | Daily | $500,000.00 |
Interest Rates Effective: 02/09/2024
Revised: 02/08/2024
Alpine Savings
Balance | Interest Rate | APY* | Method of Compounding | Minimum Balance to Earn APY |
---|---|---|---|---|
$0 - $99,999.99 | 0.03% | 0.03% | Daily | $0 |
$100,000 - $249,999.99 | 2.47% | 2.50% | Daily | $100,000 |
Over $250,000 | 2.96% | 3.00% | Daily | $250,000 |
Interest Rates Effective: 02/09/2024
Revised: 02/08/2024
Fixed CD Rates
Term | Interest Rate | APY* | Method of Compounding | Min to Open/Earn APY |
---|---|---|---|---|
3 Months | 4.16% | 4.25% | Daily | $100 |
6 Months | 3.97% | 4.05% | Daily | $100 |
1 Year | 3.87% | 3.95% | Daily | $100 |
2 Years | 3.78% | 3.85% | Daily | $100 |
3 Years | 3.52% | 3.58% | Daily | $100 |
4 Years | 3.04% | 3.09% | Daily | $100 |
5 Years | 3.23% | 3.28% | Daily | $100 |
Interest Rates Effective: 02/09/2024
Revised: 02/08/2024
* Annual Percentage Yield (APY) assumes principal and interest remain on deposit for term at the same interest rate. APY assumes funds remain on deposit for 1 year. Penalties may be imposed on early withdrawal.
Variable Rate CD
Account Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Earn APY |
---|---|---|---|---|
9 Months | 0.25% | 0.25% | Daily | $25.00 |
Interest Rates Effective: 02/09/2024
Revised: 02/08/2024
Traditional and Roth IRA CDs
Term | Interest Rate | APY* | Minimum to Open | Notes |
---|---|---|---|---|
12 months | 4.93% | 5.05% | $500 | Open in a branch or phone |
36 months | 3.73% | 3.80% | $500 | Open in a branch or phone |
60 months | 3.44% | 3.50% | $500 | Open in a branch or phone |
Interest Rates Effective: 4/12/2024
Revised: 4/4/2024
*Annual Percentage Yield assumes principal and interest remain on deposit for term at the same interest rate to maturity. Penalty will be imposed for early withdrawal. Fees could reduce earnings. 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, you are disabled, or in the event of your death.
Retirement & Education Savings Rates
Amount | VIP Interest | VIP APY | Roth Interest | Roth APY | Coverdell Interest | 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: 02/09/2024
Revised: 02/08/2024
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.
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