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Free Checking Plus | 5-27-2022

Requirements1 Rate APY*
Requirements not met** 0.05% 0.05%
Daily balance is $15,000 or less 1.49% 1.50%
Daily balance is greater than $15,000 0.05% (amount over $15,000) Ranges from 0.92% to 1.50% (depending on balance)
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1To earn the Free Checking Plus rate of 1.50% APY on balances up to and including $15,000, and 0.05% APY on balances over $15,000, you must meet the following requirements each cycle: Twelve (12) posted and cleared debit card transactions; Log in to Online Banking; and receive e-Statements. In addition to earning the APYs above when all requirements are met, you will receive automatic refunds on nationwide ATM access fees, up to $12 maximum. If requirements are not met, you will earn 0.05% APY on your checking balance, and ATM fees are not refunded. If your daily balance is greater than $15,000, your APY will range from 0.92% to 1.50% depending on the balance of your account. APY range calculations for Rate Tier 2 assume a minimum balance of $15,000.01 and a maximum balance of $25,000.00. Business accounts are not eligible.

*Annual Percentage Yield.

**Requirements cycle begins one day before the last day of each month and ends two days before the end of the month. All requirements must be met by the close of business on the last day of the requirement cycle. ATM transactions do not count toward the 12 debit card transactions. Interest and ATM refunds will be paid on the last day of the month in which they are earned.

The minimum Opening Balance is $25.00. Interest compounded and credited monthly. All rates are variable and subject to change. Truth in Savings/Fee Schedule

Printable Rate Sheet

Savings Account | 5-27-2022

Rate APY*
0.05% 0.05%
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Minimum balance to open and earn APY is $5.00. Interest compounded and credited monthly. 

*Annual Percentage Yield. All rates are variable and subject to change. Truth in Savings/Fee Schedule

Printable Rate Sheet

Rewards Savings | 5-27-2022

Requirements1 Rate APY*
Requirements not met 0.05% 0.05%
Daily balance is $2,500 or less 0.10% 0.10%
Daily balance is greater than $2,500 0.05% (amount over $2,500) 0.08% - 0.10%
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1 To earn the Rewards Savings rate of 0.10% on balances up to and including $2,500, you must sign up for and receive e-Statements, otherwise you will earn 0.05% on the entire Rewards Savings balance. If your daily balance is greater than $2,500, your APY will range from 0.08% - 0.10% depending on the balance of your account. APY range calculations assume a minimum balance of $2,500.01 and a maximum balance of $5,000.00. Limited to one account per membership. Business accounts are not eligible. 

*Annual Percentage Yield.

Minimum balance to open is $5.00. Interest compounded and credited monthly. All rates are variable and subject to change. Truth in Savings/Fee Schedule.

Printable Rate Sheet

IRA Savings | 5-27-2022

Balance1 Rate APY*
$0-$2,499 0.10% 0.10%
$2,500-$9,999 0.10% 0.10%
$10,000-$24,999 0.10% 0.10%
$25,000-$49,999 0.10% 0.10%
$50,000-$99,999 0.15% 0.15%
$100,000+ 0.15% 0.15%
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$100 minimum balance to open and maintain your account. Interest is compounded daily and credited monthly.

*Annual Percentage Yield.

1Minimum Balance to Earn Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings/Fee Schedule

Printable Rate Sheet

Youth Savings | 5-27-2022

Rate APY*
0.10% 0.10%
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Minimum balance to open and earn APY is $5.00. Interest compounded and credited monthly.

*Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings/Fee Schedule

Printable Rate Sheet

You Name it Savings | 5-27-2022

Rate APY*
0.05% 0.05%
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*Annual Percentage Yield. All rates are variable and subject to change. Truth in Savings/Fee Schedule

Printable Rate Sheet

Holiday & Tax | 5-27-2022

Rate APY*
0.10% 0.10%
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Holiday & Tax Account Free Withdrawal Periods: March 1 – April 30 and October 15– December 15. A $10 early withdrawal fee applies for each withdrawal taken outside of the free withdrawal periods.

No minimum balance to open. $5 minimum balance to earn APY. Interest compounded daily and credited monthly.

*Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings/Fee Schedule

Printable Rate Sheet

Money Market | 5-27-2022

Balance1 Rate APY*
$0-$2,499 0.03% 0.03%
$2,500-$9,999 0.03% 0.03%
$10,000-$24,999 0.05% 0.05%
$25,000-$49,999 0.05% 0.05%
$50,000-$99,999 0.07% 0.07%
$100,000+ 0.07% 0.07%
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Minimum balance to open $2,500. Interest is compounded daily and credited monthly.

*Annual Percentage Yield.

1Minimum Balance to Earn Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings/Fee Schedule

Printable Rate Sheet

Premium Money Market | 5-27-2022

Balance1 Rate APY*
$0-$99,999 0.05% 0.05%
$100,000-$249,999 0.10% 0.10%
$250,000-$499,999 0.10% 0.10%
$500,000 - $999,999 0.15% 0.15%
$1,000,000+ 0.15% 0.15%
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Minimum balance to open $100,000. Interest is compounded daily and credited monthly.

*Annual Percentage Yield.

1Minimum Balance to Earn Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings/Fee Schedule

Certificates | 5-27-2022

Term Minimum Balance to Earn APY Interest Rate APY*
6 Months $500 - $49,999 0.05% 0.05%
$50,000 0.10% 0.10%
12 Months $500 - $49,999 0.10% 0.10%
$50,000 0.10% 0.10%
24 Months $500 - $49,999 0.15% 0.15%
$50,000 0.15% 0.15%
36 Months $500 - $49,999 0.20% 0.20%
$50,000 0.20% 0.20%
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Minimum balance to open and earn APY is $500. Fixed rate, interest is compounded daily and credited monthly. For Certificate
Accounts, there is a penalty for early withdrawal of principal.

*Annual Percentage Yield. Truth in Savings/Fee Schedule

Printable Rate Sheet

Youth Certificates | 5-27-2022

Term Minimum Balance to Earn APY Interest Rate APY*
6 Months $100 0.05% 0.05%
12 months $100 0.10% 0.10%
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Minimum balance to open and earn APY is $100. Fixed rate, interest is compounded daily and credited monthly. For Certificate
Accounts, there is a penalty for early withdrawal of principal.

*Annual Percentage Yield. Truth in Savings/Fee Schedule

Printable Rate Sheet

Fixed Rate Mortgage | 5-27-2022

Product Rate APR* Points Payment*
10 Year Fixed 3.875% 4.129% 0.258% $1,610.43
15 Year Fixed 4.125% 4.287% 0.156% $1,193.55
20 Year Fixed 4.625% 4.781% 0.378% $1,023.07
30 Year Fixed 4.875% 4.998% 0.467% $846.73
Your rate is not locked until you get confirmation from a Mortgage Loan Officer. We look forward to serving you.
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*All loan applications are subject to credit and property approval. Annual Percentage Rate (APR) effective as the date shown above. Sample monthly payments are based upon a single-family owner-occupied residence with a loan amount of $160,000, 70% Loan-to-Value, Origination Fee of $800, Points, and standard 3rd party charges (e.g. appraisal and title). Origination Fees vary based on loan amount, between $250 - $1,299. Assumes no other loans or liens on subject property. Primary borrower having an open Rivermark checking account and debit card at time of closing will receive $300 off the origination fee. Actual APRs for individual loans may differ due to market conditions, individual circumstances such as credit qualifications, increased loan to value, loan purpose (such as investment property) and property type. Maximum APR is 8.00%.

Representative payments listed above do not include taxes and insurance premiums. Property and/or flood hazard insurance may be required. Actual payment obligation will be greater.

Maximum loan limits may apply. Interest rates and APRs offered are subject to change without notice.

Adjustable Rate Mortgage | 5-27-2022

Product Rate APR* Points Payment*
5/6 ARM 4.375% 3.647% 0.019% $798.86
7/6 ARM 4.500% 3.873% 0.190% $810.70
10/6 ARM 4.750% 4.227% 0.044% $834.64
Your rate is not locked until you get confirmation from a Mortgage Loan Officer.  We look forward to serving you.
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All loan applications are subject to credit and property approval.

5/6 ARM Fixed for 60 months, adjusts no more than 1% semi-annually thereafter. Rate increases are limited to a maximum of 5% over the initial rate during the lifetime of the loan.

7/6 ARM Fixed for 84 months, adjusts no more than 1% semi-annually thereafter. Rate increases are limited to a maximum of 5% over the initial rate during the lifetime of the loan.

10/6 ARM Fixed for 120 months, adjusts no more than 1% semi-annually thereafter. Rate increases are limited to a maximum of 5% over the initial rate during the lifetime of the loan.

*Annual Percentage Rate (APR) effective as the date shown above. Sample monthly payments are based upon a single-family owner-occupied residence with a loan amount of $160,000, 70% Loan-to-Value, $800 Origination Fee, Points, and standard 3rd party charges (e.g. appraisal and title). Origination Fees vary based on loan amount, between $250 - $1,299. Assumes no other loans or liens on subject property. Primary borrower having an open Rivermark checking account and debit card at time of closing will receive $300 off the origination fee. Actual APRs for individual loans may differ due to market conditions, individual circumstances such as credit qualifications, increased loan to value, loan purpose (such as investment property) and property typ. Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term.  That change can increase or decrease your monthly payment.

Representative payments listed above do not include taxes and insurance premiums. Property and/or flood hazard insurance may be required. Actual payment obligation will be greater.

Maximum loan limits may apply. Interest rates and APRs offered are subject to change without notice.

Jumbo Mortgage | 5-27-2022

Product Rate APR* Points Payment*
Jumbo 5/6 ARM 4.750% 3.777% 0.500% $3,376.11
Jumbo 30 Year Fixed 4.375% 4.446% 0.467% $3,231.38
Your rate is not locked until you get confirmation from a Mortgage Loan Officer.  We look forward to serving you.
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*All loan applications are subject to credit and property approval.

5/6 ARM Fixed for 60 months, adjusts no more than 1% semi-annually thereafter. Rate increases are limited to a maximum of 5% over the initial rate during the lifetime of the loan.

APR and payment calculations are based upon a single family, owner occupied residence with a loan amount of $647,201, 70% Loan-to-Value, $1,699 Origination Fee, Points, and standard 3rd party charges (e.g. appraisal and title). Assumes no other loans or liens on subject property. Actual APRs for individual loans may differ due to individual circumstances such as credit qualifications, increased loan to value, loan purpose (such as investment property) and property type.

Primary borrower having an open Rivermark checking account and debit card at time of closing will receive $300 off the origination fee.

Representative payments listed above do not include taxes and insurance premiums. Property and/or flood hazard insurance may be required. Actual payment obligation will be greater.

Maximum loan limits may apply. Interest rates and APRs offered are subject to change without notice.

100% Combo Loan | 5-27-2022

Product Rate APR* Points Payment*
5/6 ARM Combo 4.125% 3.549% 0.000% $891.76
10/6 ARM Combo 4.500% 4.056% 0.000% $932.30
20 Year Fixed HELOC 5.490% 5.490% 0.000% $274.93
If you are applying for the 100% First Time Home Buyer Program, please apply at 80% of the purchase amount your are apply for. In the comment section, say that you want the 100% First Time Home Buyer Program.
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*Available for primary residence purchases only up to 100% LTV. Applicants must meet credit and ability to repay requirements. Annual Percentage Rates (APR) effective as of the date shown above. This is an 80/20 mortgage loan. Example is based on a $230,000 purchase price. A first mortgage (5/6 ARM) of $184,000 at 4.125% with an APR of 3.549% has principal and interest payments of $891.76 for 60 months. The example APR includes an origination fee of $920 and Points. Origination Fees vary based on loan amount, between $250 - $1,299. Actual APRs for individual loans may differ. Adjusts no more than 1% semi-annually after 60 months. Rate increases are limited to a maximum of 5% over the initial rate during the lifetime of the loan.  A second mortgage of $46,000 borrowed at 5.490% with an APR of 5.490% will have principal and interest payments of $274.93 for 240 months. Tax and insurance payments not included in examples. Property hazard insurance is required. 3% seller concessions allowed with 2 months PITI reserves. 0% seller concessions without 2 months reserves. No gift funds allowed towards closing costs. Escrow account required for taxes and insurance. Assumes no other loans or liens on subject property. Primary borrower having an open Rivermark checking account and debit card at time of closing will receive $300 off the origination fee. Actual APRs for individual loans may differ due to individual circumstances such as credit qualifications, increased loan to value, loan purpose (such as investment property) and property type. Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. Consult a tax adviser for information regarding the deductibility of interest and charges. Must be a member to borrow.

Home Equity Line of Credit | 5-27-2022

Combined Loan-to-Value1 Term Annual Percentage Rate2
Up to 95% 10 Year Draw Period/15 Year Repayment Period 4.74% - 10.49%TV
Due to high demand and the current environment, Home Equity loan turnaround times are slower than normal. We appreciate your patience during this time.
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Minimum $5,000 amount. Maximum CLTV subject to collateral & credit qualifications

Home Equity APRs listed above are for owner-occupied single family residences, are effective as of the above date, and are subject to credit and collateral approval. Home Equity Line of Credit is subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal on the 15th day of each month (Index) plus a margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of each billing cycle. The Interest Rate will never be less than 3.75% or greater than 18.00%. Closing costs (if applicable) range from $399 to $1,500, including property appraisal and title insurance, if required. Maximum Combined Loan to Value subject to collateral and credit qualifications. Property insurance required. Other rates and terms are available for Investment Property or Manufactured Home Equity Lines of Credit.

V = Variable Rates. T = Tiered Rates based on credit qualifications.

Fees & Costs: No Annual Fee. No Origination Fee. Title Report & Recording: $100,000 or Less: $399. Over $100,000: Actual Cost over $250. Appraisal may be required at an additional cost.

Rates and terms are effective as of the above date and are subject to change without notice.

Home Equity Loan | 5-27-2022

Term Rate Minimum Loan Amount APR* Payment*
5 Year 3.99% - 10.74% $5,000 4.32% - 11.09% $921 - $1,081
10 Year 4.24% - 11.74% $10,000 4.41% - 11.94% $521 - $710
15 Year 4.49% - 11.99% $15,000 4.61% - 12.14% $382 - $600
20 Year 4.99% - 13.49% $25,000 5.09% - 13.62% $330 - $603
Due to high demand and the current environment, Home Equity loan turnaround times are slower than normal. We appreciate your patience during this time.
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*Annual Percentage Rates (APRs) are calculated based on a loan amount of $50,000, Combined Loan to Value (CLTV) of up to 80% and a $399 loan fee.  Maximum CLTV subject to collateral and credit qualifications; tiered rates are based on credit qualifications and CLTV. Loan applications are subject to credit and property approval.  Representative payments shown include only Principal and Interest.  Appraisal may be required at an additional cost. Property insurance required; flood insurance may be required.  Maximum loan limits apply.  Other rates and terms are available for Investment Property or Manufactured Home Equity Loans.

Collateral: Single Family Residence (Primary Residence, up to 95% CLTV).

Rates and terms are effective as of the above date and are subject to change without notice.

Auto, Van, Pickup, SUV 2020 and Newer | 5-27-2022

Term1 APRs Fixed and Tiered2 Payment3
36 Months 2.66% - 13.24% $28.93 - $33.81
48 Months 2.67% - 13.49% $21.99 - $27.07
60 Months 2.68% - 13.74% $17.83 - $23.13
72 Months 2.79% - 14.24% $15.10 - $20.73
84 Months 3.24% - 12.25% $13.32 - $17.79
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1Depends on loan amount.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: up to 125% of MSRP, Purchase Price or high Kelley Blue Book, plus Tax, Title, License and Service/Protection Products. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Auto, Van, Pickup, SUV 2019 or Older | 5-27-2022

Term1 APRs Fixed and Tiered2 Payment3
36 Months 2.74% - 14.99% $28.97 - $34.66
48 Months 2.74% - 15.24% $22.02 - $27.95
60 Months 2.84% - 15.99% $17.90 - $24.31
72 Months 2.99% - 16.24% $15.19 - $21.82
84 Months 3.49% - 13.49% $13.44 - $18.46
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1Depends on loan amount.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: up to 125% of MSRP, Purchase Price or high Kelley Blue Book, plus Tax, Title, License and Service/Protection Products. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Motorcycle/Personal Watercraft/Snowmobile/ATV 2021 and Newer | 5-27-2022

Term1 APRs Fixed and Tiered2 Payment3
36 Months 4.99% - 13.49% $29.97 - $33.93
48 Months 5.24% - 13.74% $23.14 - $27.20
60 Months 5.49% - 13.99% $19.10 - $23.26
72 Months 5.74% - 14.49% $16.45 - $20.87
84 Months 5.99% - 14.79% $14.60 - $19.18
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1Depends on loan amount.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 105% Purchase Price, MSRP or High NADA. Includes Tax and License. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Motorcycle/Personal Watercraft/Snowmobile/ATV 2020 and Older | 5-27-2022

Term1 APRs Fixed and Tiered2 Payment3
36 Months 5.49% - 15.24% $30.19 - $34.78
48 Months 5.74% - 15.49% $23.37 - $28.08
60 Months 5.99% - 15.99% $19.33 - $24.31
72 Months 6.24% - 16.24% $16.69 - $21.82
84 Months 6.49% - 16.49% $14.84 - $20.14
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1Depends on loan amount.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 105% Purchase Price, MSRP or High NADA. Includes Tax and License. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Recreational Vehicle/Motorhome/Boat - 2021 and Newer | 5-27-2022

Term1 APRs Fixed and Tiered2 Payment3
60 Months 4.53% - 5.49% $18.66- $19.10
72 Months 4.53% - 6.09% $15.89 - $16.62
84 Months 4.81% - 6.45% $14.04 - $14.83
120 Months 5.15% - 6.85% $10.68 - $11.53
144 Months 5.17% - 7.25% $9.33 - $10.42
180 Months 5.56% - 8.49% $8.20 - $9.84
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Not available if used as a residence; may be subject to certain regulations, rules and practices. Please contact us for rates and terms specific to your loan request.

1Depends on loan amount.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 110% Purchase Price, MSRP or High NADA. Includes Tax and License. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Recreational Vehicle/Motorhome/Boat 2020 and Older | 5-27-2022

Term1 APRs Fixed and Tiered2 Payment3
60 Months 4.74% - 5.50% $18.75 - $19.10
72 Months 4.74% - 6.25% $15.98 - $16.69
84 Months 5.24% - 7.99% $14.25 - $15.58
120 Months 5.34% - 8.24% $10.77 - $12.26
144 Months 5.45% - 8.49% $9.48 - $11.09
180 Months 5.56% - 8.74% $8.20 - $9.99
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Not available if used as a residence; may be subject to certain regulations, rules and practices. Please contact us for rates and terms specific to your loan request.

1Repayment terms depend on purchase price, value, down payment, amount financed and credit qualifications.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed.

Amount Financed: Up to 100% Purchase Price, MSRP or High NADA. Includes Tax and License. Depends on loan term and credit qualifications.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Platinum Prime Visa | 5-27-2022

Credit Tier (FICO score) Margin APR
Excellent (760 or higher) 2.15% 6.15%
Very Good (759-720) 3.15% 7.15%
Good (719-690) 5.15% 9.15%
Fair (689-660) 8.15% 12.15%
Challenged (659-620) 10.15% 14.15%
Below Average (less than 619) 13.15% 17.15%
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Annual Percentage Rate is for purchases, cash advances and balance transfers. No Annual Fee, Cash Advance Fee or Balance Transfer Fee. Tiered Rates are based on the Prime Rate plus a margin that is based on borrower's credit history. Please contact us for rates and terms specific to your loan request. 

Terms & Conditions| Card Agreement and Disclosure

Rates and terms offered are effective as of the above date and are subject to change without notice.

Cash Back Visa | 5-27-2022

Credit Tier (FICO score) Margin APR
Excellent (760 or higher) 6.75% 10.75%
Very Good (759-720) 8.25% 12.25%
Good (719-690) 9.75% 13.75%
Fair (689-660) 12.25% 16.25%
Challenged (659-620) 14.25% 18.25%
Below Average (less than 619) 17.25% 21.25%
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Annual Percentage Rate for purchases, cash advances and balance transfers. No Annual Fee, Cash Advance Fee or Balance Transfer Fee. Tiered Rates are based on credit qualifications; please contact us for rates and terms specific to your loan request. Minimum credit line of $5,000 is required.

Terms & Conditions| Card Agreement and Disclosure

Rates and terms offered are effective as of the above date and are subject to change without notice.

Savings Secured Visa | 5-27-2022

APR Amount
10.90% Up to $10,000

Annual Percentage Rate for purchases, cash advances and balance transfers. No Annual Fee, Cash Advance Fee or Balance Transfer Fee. 

Terms & Conditions | Card Agreement and Disclosure

Rates and terms offered are effective as of the above date and are subject to change without notice.

Undergrad Student Loans | 5-27-2022

Product Amount Financed APR
Private Student Line of Credit (Variable) Up to $75,000 1.99% - 10.25%TV1
Private Student Line of Credit (Fixed) Up to $75,000 3.50% - 11.25%TF
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1Rates are variable and based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal (Index) plus a Margin. The Index plus the Margin equals the Interest Rate. The Index is based on the Prime Rate as of the first business day of the last month of each quarter (March, June, September, December). Changes in the Index will cause changes in the Interest Rate on the first day of the following quarter (January 1, April 1, July 1, October 1), and the Interest Rate will never be less than 1.99% or greater than 18.00%, regardless of the index or any rate discount.

V Variable Rates. 

F Fixed Rates. 

T Tiered Rates. Tiered Rates are based on credit qualifications and other factors specific to your loan and may be higher than the lowest rate published.

Student Loan Refinance | 5-27-2022

Term APR Amount Financed Payment for $50,000 Borrowed
5 Year Fixed 2.50% - 5.99%TFD $5,000 - $125,000 5.99% APR, monthly payment will be $966.41
10 Year Fixed 3.60% - 6.25%TFD $5,000 - $125,000 6.25% APR, monthly payment will be $561.40
15 Year Fixed 4.25% - 6.75%TFD $5,000 - $125,000 6.75% APR, monthly payment will be $442.45
5 Year Variable1 1.99% - 5.49%TVD $5,000 - $125,000 5.49% APR, monthly payment will be $954.83
10 Year Variable1 3.00% - 5.75%TVD $5,000 - $125,000 5.75% APR, monthly payment will be $548.85
15 Year Variable1 3.74% - 6.00%TVD $5,000 - $125,000 6.00% APR, monthly payment will be $421.93
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**Important Notice: Remember that by refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discount, principal rebates,suspension of payments, or some cancellation/forgiveness benefits that can significantly reduce the cost of repaying your loans. Please consider these benefits carefully when considering your options for refinancing federal student loans. The federal government has temporarily paused payments and interest on federal student loans. The U.S. Department of Education provides updates regarding the pause end date. Visit studentaid.gov/coronavirus for the latest information.

1Rates are variable and based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal (Index) plus a Margin. The Index plus the Margin equals the Interest Rate. The Index is based on the Prime Rate as of the first business day of the last month of each quarter (March, June, September, December). Changes in the Index will cause changes in the Interest Rate on the first day of the following quarter (January 1, April 1, July 1, October 1), and the Interest Rate will never be less than 1.99% or greater than 18.00%, regardless of the index or any rate discount.

V Variable Rates. 

F Fixed Rates. 

T Tiered Rates. Tiered Rates are based on credit qualifications and other factors specific to your loan and may be higher than the lowest rate published.

D Rates reflect a 0.25% discount for optional enrollment in automatic electronic payments.

All loans subject to credit qualification and additional criteria, including graduating from an approved school.

Personal Loan | 5-27-2022

Amount Financed Term1 APR Fixed and Tiered2 Payment3
$500-$50,000 6 - 84 Months 7.00% - 16.75% $15.71 - $90.85
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1Depends on loan amount

2Tiered Rates based on credit qualifications and other factors specific to your loan and may be higher than the
lowest rate published.

3Estimated Payment per $1,000 borrowed

Rates and terms offered are effective as of the above date and are subject to change without notice.

Certificate Secured | 5-27-2022

Amount Financed Term1 APR2 Payment3
Amount on Deposit CD Maturity Date/Up To 36 Months CD Rate + 2.00%F $28.73 (Assumes 36 month, $20,000 CD, 0.20% + 2.00% = 2.20% APR)
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1Repayment terms depends on amount financed. 

2 F Fixed Rates.

3Estimated Payment per $1,000 Borrowed

Rates and terms offered are effective as of the above date and are subject to change without notice.

 

Savings Secured | 5-27-2022

Amount Financed Term1 APR2 Payment3
Amount on Deposit 60 Months Share Rate + 4.00%V $18.44 (.05% Savings + 4.00% = 4.05% APR, 60 Months)
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1Repayment terms depends on amount financed. 

V Variable Rates.

3Estimated Payment per $1,000 Borrowed

Rates and terms offered are effective as of the above date and are subject to change without notice.

Business Cash Back Visa | 5-27-2022

Credit Tier (FICO score) Margin1 APR1
Excellent (760 or higher) 9.75% 13.75%
Very Good (759-720) 11.25% 15.25%
Good (719-690) 12.75% 16.75%
Fair (689-660) 15.25% 19.25%
Challenged (659-620) 17.25% 21.25%
Below Average (less than 619) 20.25% 24.25%
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Annual Percentage Rate for purchases, cash advances and balance transfers. No Annual Fee or Cash Advance Fee.

1 Variable Rates are based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal (Index) plus a Margin. The Index plus the Margin equals the interest Rate. Changes in the Index will cause changes in the Interest Rate on the next monthly cycle date. Tiered Rates are based on credit qualifications and collateral as applicable. Collateral may include equipment and other business assets. The Index is based on the Prime Rate as of the fifteenth business day of each month. 

Please contact us for rates and terms specific to your loan request.  Rates and terms offered are effective as of the above date and are subject to change without notice.

Card Agreement and Disclosure

Business Auto, Van, Pickup, SUV 2020 and Newer | 5-27-2022

Term1 APRs Fixed and Tiered2 Payment3
36 Months 3.66% - 11.24% $29.37 - $32.85
48 Months 3.67% - 11.49% $22.43 - $26.08
60 Months 3.68% - 12.24% $18.27 - $22.37
72 Months 3.79% - 13.00% $15.55 - $20.07
84 Months 4.24% - 13.25% $13.78 - $18.33

Passenger vehicles without attached equipment, final loan terms subject to certain rules, regulations and business loan underwriting.

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1Depends on loan amount.

2Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed

Amount Financed: up to 100%of MSRP, Purchase Price or high Kelley Blue Book. Includes Tax & License.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Business Auto, Van, Pickup, SUV 2019 or Older | 5-27-2022

Term1 APRs Fixed and Tiered2 Payment3
36 Months 3.74% - 13.50% $29.41 - $33.94
48 Months 3.74% - 13.65% $22.46 - $27.15
60 Months 3.84% - 13.75% $18.34 - $23.14
72 Months 3.99% - 14.00% $15.64 - $20.61
84 Months 4.49% - 14.49% $13.90 - $19.01

Passenger vehicles without attached equipment, final loan terms subject to certain rules, regulations and business loan underwriting.

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¹ Depends on loan amount.

² Tiered Rates are based on credit qualifications.

3Estimated Payment per $1,000 Borrowed

Amount Financed: up to 100%of MSRP, Purchase Price or high Kelley Blue Book. Includes Tax & License.

Rates and terms offered are effective as of the above date and are subject to change without notice. Not applicable if used as residence; may be subject to certain regulations, rules and practices.

Business Savings | 5-27-2022

Rate APY*
0.05% 0.05%
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Minimum balance to open and earn APY is $5.00. Interest compounded and credited monthly.

*Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings/Fee Schedule

Printable Rate Sheet

Business Checking Plus | 5-27-2022

Requirements Rate APY*
$0-3,000 0.05% 0.05%
$3,001-25,000 0.05% 0.05%
$25,001-250,000 0.15% 0.15%
$250,001 or more 0.25% 0.25%
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*Annual Percentage Yield.

$10.00 Monthly Fee (waived with $3,000 average daily balance). Available to Business memberships only.

Per Item Fee (includes checks deposited and/or cleared): First 300 items free per month; 15¢ each thereafter.

Cash Deposited: First $10,000 deposited free, .15% of cash deposited over $10,000

Minimum Opening Balance is $100.00. All rates are variable and subject to change. Truth in Savings/Fee Schedule

Printable Rate Sheet

Business Certificates | 5-27-2022

Term Minimum Balance to Earn APY Interest Rate APY*
6 Months $500 - $49,999 0.05% 0.05%
$50,000 0.10% 0.10%
12 Months $500 - $49,999 0.10% 0.10%
$50,000 0.10% 0.10%
24 Months $500 - $49,999 0.15% 0.15%
$50,000 0.15% 0.15%
36 Months $500 - $49,999 0.20% 0.20%
$50,000 0.20% 0.20%
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Minimum balance to open and earn APY is $500. Fixed rate, interest is compounded daily and credited monthly.

*Annual Percentage Yield

Printable Rate Sheet

Business Money Market | 5-27-2022

Balance1 Rate APY*
$0.00 0.03% 0.03%
$2,500 0.03% 0.03%
$10,000 0.05% 0.05%
$25,000 0.05% 0.05%
$50,000 0.07% 0.07%
$100,000 0.07% 0.07%
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Minimum balance to open $2,500. Interest is compounded daily and credited monthly.

*Annual Percentage Yield.

1Minimum Balance to Earn Annual Percentage Yield.

All rates are variable and subject to change. Truth in Savings/Fee Schedule

Printable Rate Sheet