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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


Certificate of Deposit

Our certificates of deposit allow you to earn guaranteed returns over a specific period of time, no matter what happens in the financial markets. We offer terms ranging from 90 days up to 60 months and pay competitive interest rates.


  • $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, 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


Click here to see our CD Rates