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Mortgage
Commercial
1-4 Family Residential Investment
| Balloon Term | Amortization Term | Rate | APR |
| 3 Year | 20 Year | 7.125% | 6.960% |
| 3 Year | 30 Year | 7.375% | 7.990% |
| 5 Year | 10 Years | 6.650% | 6.770% |
| 5 Year | 15 Years | 6.750% | 5.050% |
| 5 Year | 20 Years | 6.750% | 5.700% |
| 5 Year | 30 Years | 6.950% | 6.380% |
| 10 Year | 20 Years | 7.875% | 8.000% |
| 15 Year | 15 Years | 7.875% | 8.000% |
| 15 Year | 20 Years | 8.125% | 8.250% |
Residential Flip- Line of Credit
| Balloon Term | Amortization Term | Rate | APR |
| 12 Months- Interest Only | 12 Months | 7.375% | 8.125% |
Commercial Real Estate
| Balloon Term | Amortization Term | Rate | APR |
| 3 Year | 15 Year | 7.370% | 7.750% |
| 3 Year | 20 Year | 7.375% | 7.880% |
| 3 Year | 30 Years | 7.875% | 8.430% |
| 5 Year | 10 Years | 7.000% | 7.120% |
| 5 Year | 15 Years | 7.250% | 7.380% |
| 5 Year | 20 Years | 7.250% | 6.060% |
| 5 Year | 30 Years | 7.750% | 7.900% |
| 10 Year | 15 Years | 7.875% | 8.000% |
| 10 Year | 20 Years | 8.125% | 8.250% |
| 15 Year | 15 Years | 8.125% | 8.250% |
| 15 Year | 20 Years | 8.375% | 8.500% |
Commercial Flip- Line of Credit
| Balloon Term | Amortization Term | Rate | APR |
| 12 Months- Interest Only | 12 Months | 7.375% | 8.125% |
Residential Spec Construction
| Balloon Term | Amortization Term | Rate | APR |
| 12 Months- Interest Only | 12 Months | 8.255% | 10.324% |
Savings
| Min Balance for APY | Rate | APY |
| $50 | 0.15% | 0.15% |
Certificates
Minimum balance needed to earn APY: $1,000.00
| Term | Rate | APY |
| 6 months | 3.68% | 3.75% |
| 9 months | 3.59% | 3.65% |
| 1 year | 3.44% | 3.50% |
| 15 months | 3.30% | 3.35% |
| 18 months | 3.15% | 3.20% |
| 2 Years | 3.05% | 3.10% |
| 3 Years | 2.71% | 2.75% |
| 4 Years | 2.71% | 2.75% |
| 5 Years | 2.71% | 2.75% |
Junior Certificates
| Term | Rate | APY |
| 1 Year | 3.44% | 3.50% |
| 2 Years | 3.05% | 3.10% |
Liquid Asset
| Min Balance for APY | Rate | APR |
| $25,000 | 3.00% | 3.05% |
*Average balance below $25,000 will earn the current savings rate.
Money Market
| Min Balance for APY | Rate | APY |
| $1,000 – $4,999.99 | 0.40% | 0.40% |
| $5,000 – $24,999.99 | 0.50% | 0.50% |
| $25,000 – $49,999.99 | 0.60% | 0.60% |
| $50,000 to $499,999.99 | 0.70% | 0.70% |
| $500,000 to $999,999.99 | 0.75% | 0.75% |
| $1,000,000+ | 1.00% | 1.00% |
IRA Shares
| Min Balance for APY | Rate | APY |
| $250 | 0.75% | 0.75% |
Auto
| Lowest Auto Rate |
| 4.7% |
Rates as of 10/31/25. | Early withdrawal penalties apply to certificates. | Ask an employee for additional details.
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