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Mortgage Rates

FHA 30 Yr. Fixed		Points	Payment
3.250%	3.626% APR*	-0.082pts	$815
USDA 30 Yr. Fixed
3.500%	3.826% APR*	-0.052 pts	$773
Home Ready 30 Yr. Fixed
3.50%	3.701% APR*	-0.087 pts	$941
Conventional 15 Yr. Fixed
3.500%	3.951% APR *	-0.018 pts	$1,144

*APR =	Annual Percentage Rate - this is the cost of credit over the term as the loan expressed as an annual rate. The APR shown here is based on the interest rates and points, it does not include other loan specific finance charges that you may be charged.
*All stated rates are effective as of 8/22/2019 and are based on a home purchase transaction of $200,000, a minimum down payment of $40,000, a loan amount of $160,000 and repayment term as stated. Payments are estimated on a monthly basis and include principal and interest only. They do not include taxes and insurance which make the actual total payment obligation greater. The stated APR is the lender's standard rate for a borrower with a 750 credit score. The actual rate may vary depending upon each individual's credit history and transaction specific underwriting factors. 30 year term= 360 months and applies to 30 year conventional, FHA, and VA loans. 15 year term = 180 months and applies to 15 year conventional loans. All loan programs, rates terms, and conditions are subject to change at any time without notice. Rate scenarios are based on a 30 day lock. Rates may acutally be different from this page, and rates may change at anytime and without notice on this page. NMLS#402641. NMLS Consumer Access Site

Business Banking - Certificates of Deposit

If your business maintains excess funds and would like higher yields, a Business Certificate of Deposit might be the perfect solution.

$1,000.00 minimum required opening deposit
CD terms vary from 3 months to 60 months
Interest accrued daily and compounded quarterly
Interest can be added to CD, same business checking or savings account with us, or mailed via check
Penalty for early closure
- CD term 12 months and under = 3 month interest penalty
- CD term 18 -24 months = 6 months of interest penalty
- CD term 36 -42 months = 12 months of interest penalty
- CD term 60 months = 18 months of interest penalty

COMMUNITY ADVANTAGE CD

A higher earning CD for all those hard working non-profits in our community.

Available only to “non-profit” organizations
$1,000.00 minimum required opening deposit
60 month term only
Able to make unlimited deposits into the CD (must be a minimum of $250.00)
Allowed one annual withdrawal without penalty (must still maintain $1,000.00 in account)
Penalty terms are the same as the “Certificates of Deposit”