Rates

Mortgage Rates

Home loan financing terms, disclosures, and example scenarios.

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Purchase: Jumbo Loan Rates

May 23, 2021, 22:10 PM
Title : Purchase: Jumbo Loan Rates
Effective Date : 09/23/2021
Revised date :
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Column 3 header override : APR
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External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) : https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
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.
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Purchase: Jumbo Loan Rates

May 23, 2021, 22:10 PM
Title : Purchase: Jumbo Loan Rates
Effective Date : 09/23/2021
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) : https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
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.
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Purchase: Jumbo Loan Rates

May 23, 2021, 22:10 PM
Title : Purchase: Jumbo Loan Rates
Effective Date : 09/23/2021
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) : https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
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.
Apply Now Action :
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Purchase: Jumbo Loan Rates

May 23, 2021, 22:10 PM
Title : Purchase: Jumbo Loan Rates
Effective Date : 09/23/2021
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) : https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
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.
Apply Now Action :
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Purchase: Jumbo Loan Rates

May 23, 2021, 22:10 PM
Title : Purchase: Jumbo Loan Rates
Effective Date : 09/23/2021
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) : https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
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.
Apply Now Action :
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Purchase: Jumbo Loan Rates

May 23, 2021, 22:10 PM
Title : Purchase: Jumbo Loan Rates
Effective Date : 09/23/2021
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) : https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
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.
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Home Equity Loans

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Loan Term Closing Costs APR Ex: Loan Amount Ex: Monthly Payment
15-year Fixed Rate Home Loan Paid by Customer 4.125% $100,000 $745.97

Interest Rates Effective: 09/23/2021

Example rate is based on a primary residence and borrower credit score of 740. Assumes the borrower has a first lien mortgage and the home equity loan is a second lien on subject property. Max 80% LTV.  Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. APR (Annual Percentage Rate) is based on loan amount, interest rate, LTV and credit score.  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

May 23, 2021, 22:10 PM
Title : Purchase: Jumbo Loan Rates
Effective Date : 09/23/2021
Revised date :
Column 1 header override :
Column 2 header override :
Column 3 header override : APR
Column 4 header override :
Column 5 header override :
Column 6 header override :
External site URL : https://apply.ourfirstfed.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
External Site URL (for Quin Page) : https://apply.quinmortgage.com/#/signup?loginMethod=SSO&applicationTemplateId=8d411f5d-20ff-403a-90c5-3649ce41637c
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.
Apply Now Action :
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Vehicle Loan Rates

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

Auto Loan Rates

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Loan Term Year APR Ex: Loan Amount Ex: Monthly Payment (P&I) with Lowest APR
5-year Fixed Rate Purchase and Refi New (2020-2021) 3.25% $30,000 $542.40
5-year Fixed Rate Purchase or Refi Used (2009 - 2019) 3.50% $30,000 $545.75

Interest Rates Effective: 09/23/2021

Example rate is based on a borrower credit score of 740 and up to 125% LTV. Down payment not required. Rates may vary based on term, age of collateral, loan to value, and credit score. LTV is based on dealer invoice or Kelley Blue Book wholesale. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Subject to credit approval. Terms up to 7 years.

Boat Loan Rates

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Loan Term Year APR Ex: Loan Amount Ex: Monthly Payment (P&I) with lowest APR
5-year Fixed Rate New (2019 - 2021) 4.24% $30,000 $555.75
5-year Fixed Rate Used (2010 - 2018) 4.74% $30,000 $562.57

Interest Rates Effective: 09/23/2021

Example rate is based on a borrower credit score of 740 and up to 80% LTV.  Max LTV 90%.  Rates may vary based on term, age of collateral, loan to value, and credit score. LTV is based on dealer invoice or NADA value. If over 25 feet, a marine survey is required. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Rate, terms and fees are subject to change without notice. Subject to credit approval. Terms up to 15 years.

Motorcycle and ATV Loan Rates

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Loan Term Year APR Ex: Loan Amount Ex: Monthly Payment
3-year Fixed Rate 2015 - Newer 7.15% $20,000 $618.91

Interest Rates Effective: 09/23/2021

Example rate is based on a borrower credit score of 740 and up to 90% LTV.  Max LTV 100%. Rates may vary based on term, age of collateral, loan to value, and credit score. LTV is based on dealer invoice or NADA value. Rate, terms and fees are subject to change without notice. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Subject to credit approval. Terms up to 7 years.

RV Loan Rates

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Loan Term Year APR Ex: Loan Amount Ex: Monthly Payment (P&I)
10-year Fixed Rate New (2019 - 2021) 5.50% $50,000 $542.63
10-year Fixed Rate Used (2010 - 2018) 6.50% $50,000 $567.74

Interest Rates Effective: 09/23/2021

Example rate is based on a borrower credit score of 740 and up to 80% LTV.  Max LTV 90%. Rates may vary based on term, age of collateral, loan to value, and credit score. LTV is based on dealer invoice or NADA value. Rate, terms and fees are subject to change without notice. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Subject to credit approval. Terms up to 15 years.

 

 

Deposit Rates

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

Checking

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Account 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: 09/17/2021

Revised: 09/16/2021

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

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Account 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
Kids Club Savings* 0.03% 0.03% Daily $1

Interest Rates Effective: 09/17/2021

Revised: 09/16/2021

NOTE: Annual Percentage Yield (APY) is based on a balance of $100.00.

*Minimum Deposit to open is $1.00

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.

First Rate Money Market Rates

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Account 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: 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. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

Spruce Money Market Rates

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Account 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: 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. Fees could reduce earnings. Interest rates for the above accounts may change after account is opened.

Fixed Rate CDs

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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.


Variable Rate CD

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Account Type Interest Rate APY* Method of Compounding Minimum Deposit to Earn APY
9 Months 0.10% 0.10% Daily $25.00

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. Interest rate and annual percentage yield may change at any time.  Penalties may be imposed on early withdrawal. Fees could reduce earnings.

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.