As of 10/11/2024
Product | Interest Rate | APR (Annual Percentage Rate)* | Payment per $1,000** | Example Payment** |
---|---|---|---|---|
Product30 Year Fixed Rate Loan | Interest Rate5.875% | APR (Annual Percentage Rate)* 5.996% | Payment per $1,000**$5.92 | Example Payment**A loan amount of $250,000 will have 360 fixed principal and interest monthly payments of $1,478.84 |
Product15 Year Fixed Rate Loan | Interest Rate5.500% | APR (Annual Percentage Rate)* 5.697% | Payment per $1,000**$8.17 | Example Payment**A loan amount of $250,000 will have 180 fixed principal and interest monthly payments of $2,042.71 |
**Payment examples do not include escrow of taxes and insurance; therefore, the actual monthly payment obligation may be greater.
The following applies to mortgage products listed above:
*APR is based on a set of assumptions, which include the following:
**Payment examples do not include escrow of taxes and insurance; therefore, the actual monthly payment obligation may be greater.
Please contact our mortgage experts about our:
Actual rate may vary based on property type, occupancy, term, and geography.
The interest rate of the product for which you apply will not increase after consummation.
Combined Loan to Value (CLTV) up to 97% are available for certain mortgage products, property types, and loan amounts.
Hazard Insurance (flood insurance, if applicable) is required.
This is not a commitment to lend; all loans are subject to credit approval and other criteria.
Rates are subject to change without notice.
As of 10/11/2024
Product | Interest Rate | APR (Annual Percentage Rate)* | Term | Payment per $1,000** |
---|---|---|---|---|
Product10-Year/6-Month Adjustable Rate | Interest Rate6.125% | APR (Annual Percentage Rate)*6.877% | Term360 months | Payment per $1,000**$6.08 |
**Payment Example (10-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.125% and an APR of 6.877% will have a monthly payment of $1,519.03 for years 1-10. For years 11-30, payments may change once every 6 months based on any decrease or increase in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Your monthly payment during years 11-30 can range from $1,164.14 to $2,184.53 due to this factor. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.
The following applies to the mortgage product listed above:
*APR is based on a set of assumptions, which include the following:
Please contact one of our mortgage experts about our:
Actual rate may vary based on property type, occupancy, term, and geography.
Rates advertised are a variable rate and may change every 6 months after the initial 10-year fixed period. The interest rate will be determined by adding the index to the margin.
Combined Loan to Value (CLTV) up to 95% are available for certain mortgage products, property types and loan amounts.
Hazard Insurance (flood insurance, if applicable) is required.
This is not a commitment to lend; all loans are subject to credit approval and other criteria.
Rates are subject to change without notice.
As of 10/11/2024
Product | Interest Rate | APR (Annual Percentage Rate)* | Payment per $1,000** | Example Payment** |
---|---|---|---|---|
Product30 Year Fixed Rate Loan | Interest Rate6.000% | APR (Annual Percentage Rate)* 6.125% | Payment per $1,000**$6.00 | Example Payment**A loan amount of $250,000 will have 360 fixed principal and interest monthly payments of $1,498.88 |
Product15 Year Fixed Rate Loan | Interest Rate5.625% | APR (Annual Percentage Rate)* 5.826% | Payment per $1,000**$8.24 | Example Payment**A loan amount of $250,000 will have 180 fixed principal and interest monthly payments of $2,059.33 |
**Payment examples do not include escrow of taxes and insurance; therefore, the actual monthly payment obligation may be greater.
The following applies to mortgage products listed above:
*APR is based on a set of assumptions, which include the following:
Please contact one of our mortgage experts about our:
Actual rate may vary based on the property type, occupancy, term, and geography.
The interest rate of the product for which you apply will not increase after consummation.
Combined Loan to Value (CLTV) up to 97% are available for certain mortgage products, property types and loan amounts.
Hazard Insurance (flood insurance, if applicable) is required.
This is not a commitment to lend; all loans are subject to credit approval and other criteria.
Rates are subject to change without notice.
As of 10/11/2024
Product | Interest Rate | APR (Annual Percentage Rate)* | Term | Payment per $1,000** |
---|---|---|---|---|
Product10-Year/6-Month Adjustable Rate | Interest Rate6.250% | APR (Annual Percentage Rate)*6.961% | Term360 months | Payment per $1,000**$6.16 |
**Payment Example (10-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.250% and an APR of 6.961% will have a monthly payment of $1,539.29 for years 1-10. For years 11-30, interest rate and payments may change once every 6 months based on any decrease or increase in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Your monthly payment during years 11-30 can range from $1,167.95 to $2,209.68 due to this factor. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.
The following applies to the mortgage products listed above:
*APR is based on a set of assumptions, which include the following:
Please contact one of our mortgage experts about our:
Actual rate may vary based on property type, occupancy, term, and geography.
Rates advertised are a variable rate and may change every 6 months after the initial 10-year fixed period. The interest rate will be determined by adding the index to the margin.
Loan to Value (LTV) up to 80% are available for certain mortgage products, property types, and loan amounts.
Hazard Insurance (flood insurance, if applicable) is required.
This is not a commitment to lend; all loans are subject to credit approval and other criteria.
Rates are subject to change without notice.
As of 10/11/2024
Product | Interest Rate | APR (Annual Percentage Rate)* | Payment per $1,000** | Example Payment** |
---|---|---|---|---|
Product30 Year Fixed Rate Loan | Interest Rate5.875% | APR (Annual Percentage Rate)* 5.998% | Payment per $1,000**$5.92 | Example Payment**A loan amount of $250,000 will have 360 fixed principal and interest monthly payments of $1,478.84 |
Product15 Year Fixed Rate Loan | Interest Rate5.500% | APR (Annual Percentage Rate)* 5.699% | Payment per $1,000**$8.17 | Example Payment**A loan amount of $250,000 will have 180 fixed principal and interest monthly payments of $2,042.71 |
**Payment examples do not include escrow of taxes and insurance; therefore, the actual monthly payment obligation may be greater.
The following applies to mortgage products listed above:
*APR is based on a set of assumptions, which include the following:
Please contact one of our mortgage experts about our:
Actual rate may vary based on the property type, occupancy, term, and geography.
The interest rate of the product for which you apply will not increase after consummation.
Combined Loan to Value (CLTV) up to 97% are available for certain mortgage products, property types and loan amounts.
Hazard Insurance (flood insurance, if applicable) is required.
This is not a commitment to lend; all loans are subject to credit approval and other criteria.
Rates are subject to change without notice.
As of 10/11/2024
Product | Interest Rate | APR (Annual Percentage Rate)* | Term | Payment per $1,000** |
---|---|---|---|---|
Product10-Year/6-Month Adjustable Rate | Interest Rate6.125% | APR (Annual Percentage Rate)*6.879% | Term360 months | Payment per $1,000**$6.08 |
**Payment Example (10-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.125% and an APR of 6.879% will have a monthly payment of $1,519.03 for years 1-10. For years 11-30, interest rate and payments may change once every 6 months based on any decrease or increase in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Your monthly payment during years 11-30 can range from $1,164.14 to $2,184.53 due to this factor. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.
The following applies to the mortgage product listed above:
*APR is based on a set of assumptions, which include the following:
Please contact one of our mortgage experts about our:
Actual rate may vary based on property type, occupancy, term, and geography.
Rates advertised are a variable rate and may change every 6 months after the initial 10-year fixed period. The interest rate will be determined by adding the index to the margin.
Loan to Value (LTV) up to 95% are available for certain mortgage products, property types, and loan amounts.
Hazard Insurance (flood insurance, if applicable) is required.
This is not a commitment to lend; all loans are subject to credit approval and other criteria.
Rates are subject to change without notice.
As of 10/11/2024
Product | Interest Rate | Annual Percentage Rate (APR)* | Payment per $1,000** | Example Payment** |
---|---|---|---|---|
Product30 Year Fixed Rate Loan | Interest Rate6.375% | Annual Percentage Rate (APR)* 6.936% | Payment per $1,000**$5.31 (interest only – construction phase) $6.24 (principal and interest – permanent loan phase) | Example Payment**A loan amount of $250,000 will have 12 monthly payments up to $1,328.13 of interest only during the construction phase of the loan, followed by 360 fixed principal and interest monthly payments of $1,559.67 during the permanent phase of the loan. |
Product15 Year Fixed Rate Loan | Interest Rate6.000% | Annual Percentage Rate (APR)* 6.852% | Payment per $1,000**$5.00 (interest only – construction phase) $8.44 (principal and interest – permanent loan phase) | Example Payment**A loan amount of $250,000 will have 12 monthly payments up to $1,250.00 of interest only during the construction phase of the loan, followed by 360 fixed principal and interest monthly payments of $2,109.64 during the permanent phase of the loan. |
**Payment examples do not include escrow of taxes and insurance; therefore, the actual monthly payment obligation may be greater.
The following applies to mortgage products listed above:
*APR is based on a set of assumptions, which include the following:
Please contact one of our mortgage experts about our:
Actual rate may vary based on property type, occupancy, term, and geography.
The interest rate of the product for which you apply will not increase after consummation.
Combined Loan to Value (CLTV) up to 90% are available for certain mortgage products, property types and loan amounts.
Hazard Insurance (flood insurance, if applicable) is required.
This is not a commitment to lend; all loans are subject to credit approval and other criteria.
Rates are subject to change without notice.
As of 10/11/2024
Product | Interest Rate | APR (Annual Percentage Rate)* | Term | Payment per $1,000** |
---|---|---|---|---|
Product10-Year/6-Month Adjustable Rate | Interest Rate6.625% | APR (Annual Percentage Rate)*7.749% | Term372 months | Payment per $1,000**$5.52 (interest only – construction phase) $6.40 (principal and interest – years 2-11 of the permanent loan phase) |
**Payment Example (10-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.625% and an APR of 7.749% will have a monthly interest only payment up to $1,380.21 for year 1 followed by a monthly payment of $1,600.78 for years 2-11. For years 12-31, interest rate and payments may change once every 6 months based on any decrease or increase in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Your monthly payment during years 12-31 can range from $1,179.08 to $2,285.57 due to this factor. Taxes and insurance are not included; therefore, the actual payment obligation may be greater.
The following applies to mortgage products listed above:
*APR is based on a set of assumptions, which include the following:
Please contact one of our mortgage experts about our:
Actual rate may vary based on property type, occupancy, term, and geography.
Rates advertised are a variable rate and may change every 6 months after the initial 10-year fixed period. The interest rate will be determined by adding the index to the margin.
Combined Loan to Value (CLTV) up to 90% are available for certain property types and loan amounts.
Hazard Insurance (flood insurance, if applicable) is required.
This is not a commitment to lend; all loans are subject to credit approval and other criteria.
Rates are subject to change without notice.
As of 10/11/2024
Product | Interest Rate | Annual Percentage Rate (APR)* | Payment per $1,000** | Example Payment** |
---|---|---|---|---|
Product30 Year Fixed Rate Loan | Interest Rate5.875% | Annual Percentage Rate (APR)*6.091% | Payment per $1,000**$5.92 | Example Payment**A loan amount of $250,000 will have 360 fixed principal and interest monthly payments of $1,478.84 |
Product15 Year Fixed Rate Loan | Interest Rate5.500% | Annual Percentage Rate (APR)*5.855% | Payment per $1,000**$8.17 | Example Payment**A loan amount of $250,000 will have 180 fixed principal and interest monthly payments of $2,042.71 |
The following applies to mortgage products listed above:
*APR is based on a set of assumptions, which include the following:
**Payment examples do not include escrow of taxes and insurance; therefore, the actual monthly payment obligation may be greater.
Please contact one of our mortgage experts about our:
Actual rate may vary based on property type, occupancy, term, and geography.
The interest rate of the product for which you apply will not increase after consummation.
Combined Loans to Value (CLTV) up to 80% are available for certain mortgage products, property types, and loan amounts.
Hazard Insurance (flood insurance, if applicable) is required.
This is not a commitment to lend; all loans are subject to credit approval and other criteria.
Rates are subject to change without notice.
As of 10/11/2024
Product | Interest Rate | APR (Annual Percentage Rate)* | Term | Payment per $1,000** |
---|---|---|---|---|
Product10-Year/6-Month Adjustable Rate | Interest Rate6.125% | APR (Annual Percentage Rate)*6.973% | Term360 months | Payment per $1,000**$6.08 |
**Payment Example (10-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.125% and an APR of 6.973% will have a monthly payment of $1,519.03 for years 1-10. For years 11-30, interest rate and payments may change once every 6 months based on any decrease or increase in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Your monthly payment during years 11-30 can range from $1,164.14 to $2,184.53 due to this factor. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.
The following applies to the mortgage product listed above:
*APR is based on a set of assumptions, which include the following:
Please contact one of our mortgage experts about our:
Actual rate may vary based on property type, occupancy, term, and geography.
Rates advertised are a variable rate and may change every 6 months after the initial 10-year fixed period. The interest rate will be determined by adding the index to the margin.
Combined Loan to Value (CLTV) up to 80% are available for certain mortgage products, property types and loan amounts.
Hazard Insurance (flood insurance, if applicable) is required.
This is not a commitment to lend; all loans are subject to credit approval and other criteria.
Rates are subject to change without notice.
As of 10/11/2024
Product | Annual Percentage Rate (APR)* | Term | Payment per $1,000 |
---|---|---|---|
ProductEquity Advantage Line of Credit | Annual Percentage Rate (APR)*8.000%* | Term25 Years (10-Year Draw Period, 15-Year Repayment Period) | Payment per $1,000 $6.58** |
*The annual percentage rate is variable and will be based on the value of an index and adding a margin of 0.00 to the value of the index. The index is the most recently published Prime Rate as of each day in the “Money Rates” table in The Wall Street Journal. (If more than one index value is published, we will use the highest published index value).
**This means you will pay $6.58 in interest over a 30-day period for every $1000 of your line of credit drawn on during the interest only draw period if the APR of 8.000% does not change during that time.
For financing of Single-Family Residential Dwellings with loan amounts between $10,000-$400,000 and the property is used as your primary residence or second home:
For financing of 2-4 Family Residential Dwellings with loan amounts between $10,000-$400,000 and the property is used as your primary residence or second home:
For financing of 1-4 Family Residential Dwellings with loan amounts between $400,000 and $766,550 you are responsible to pay all closing cost estimated to be between $3,575.15 – $4,047.65
The following terms and conditions apply:
As of 10/11/2024
Product | Annual Percentage Rate (APR)* | Term | Payment per $1,000 |
---|---|---|---|
ProductPartnership Plus Line of Credit | Annual Percentage Rate (APR)*7.500%* | Term25 Years (10-Year Draw Period, 15-Year Repayment Period) | Payment per $1,000 $6.16** |
*The annual percentage rate is variable and will be based on the value of an index and adding a margin of -0.50 to the value of the index. The index is the most recently published Prime Rate as of each day in the “Money Rates” table in The Wall Street Journal. (If more than one index value is published, we will use the highest published index value.).
**This means you will pay $6.16 in interest over a 30-day period for every $1000 of your line of credit drawn on during the interest only draw period if the APR of 7.500% does not change during that time.
For financing of Single-Family Residential Dwellings with loan amounts between $10,000-$400,000 and the property is used as your primary residence or second home:
For financing of 2-4 Family Residential Dwellings with loan amounts between $10,000-$400,000 and the property is used as your primary residence or second home:
For financing of 1-4 Family Residential Dwellings with loan amounts between $400,000 and $766,550 you are responsible to pay all closing cost estimated to be between $3,575.15 – $4,047.65
The following terms and conditions apply:
As of 10/11/2024
Product | Interest Rate | Annual Percentage Rate (APR)* | Payment per $1,000 | Example Payment** |
---|---|---|---|---|
ProductEquity Advantage 3 Year Fixed Rate Loan | Interest Rate6.125% | Annual Percentage Rate (APR)*6.125% | Payment per $1,000$30.48 | Example Payment**A loan amount of $10,000 will have 36 fixed principal and interest monthly payments of $304.79 |
ProductEquity Advantage 5 Year Fixed Rate Loan | Interest Rate6.250% | Annual Percentage Rate (APR)*6.250% | Payment per $1,000$19.45 | Example Payment**A loan amount of $10,000 will have 60 fixed principal and interest monthly payments of $194.49 |
ProductEquity Advantage 7 Year Fixed Rate Loan | Interest Rate6.250% | Annual Percentage Rate (APR)*6.250% | Payment per $1,000$14.73 | Example Payment**A loan amount of $10,000 will have 84 fixed principal and interest monthly payments of $147.29 |
ProductEquity Advantage 10 Year Fixed Rate Loan | Interest Rate6.625% | Annual Percentage Rate (APR)*6.625% | Payment per $1,000$11.42 | Example Payment**A loan amount of $10,000 will have 120 fixed principal and interest monthly payments of $114.19 |
ProductEquity Advantage 15 Year Fixed Rate Loan | Interest Rate6.750% | Annual Percentage Rate (APR)*6.750% | Payment per $1,000$8.85 | Example Payment**A loan amount of $10,000 will have 180 fixed principal and interest monthly payments of $88.49 |
The following applies to mortgage products listed above:
*APR is based on a set of assumptions, which include the following:
**Payment examples do not include escrow of taxes and insurance; therefore, the actual monthly payment obligation may be greater.
As of 10/11/2024
Minimum to Open | Minimum to Earn APY | Interest Rate | Annual Percentage Yield (APY) |
---|---|---|---|
Minimum to Open$25 | Minimum to Earn APY$0 – $2,499 | Interest Rate 0.00% | Annual Percentage Yield (APY) 0.00% |
Minimum to Open$25 | Minimum to Earn APY$2,500 – $24,999 | Interest Rate 0.02% | Annual Percentage Yield (APY) 0.02% |
Minimum to Open$25 | Minimum to Earn APY$25,000 – $49,999 | Interest Rate0.03% | Annual Percentage Yield (APY)0.03% |
Minimum to Open$25 | Minimum to Earn APY$50,000 and greater | Interest Rate0.05% | Annual Percentage Yield (APY)0.05% |
Interest bearing checking accounts earn interest from day of deposit to day of withdrawal. Interest is accrued daily, compounded monthly and credited to the account monthly. We use the daily computation method to calculate the interest on all interest bearing checking accounts. This method applies a daily periodic rate to the principal in the account each day. The Annual Percentage Yield assumes that all interest will remain on deposit for one (1) year at the stated interest rate. The interest rate on new and existing “Variable” rate accounts, as indicated above, may be subject to change at any time. Any fees assessed may reduce the earnings on the account.
As of 10/11/2024
Minimum to Open | Minimum to Earn APY | Interest Rate | Annual Percentage Yield (APY) |
---|---|---|---|
Minimum to Open$10 | Minimum to Earn APY$0 – $499 | Interest Rate0.02% | Annual Percentage Yield (APY)0.02% |
Minimum to Open$10 | Minimum to Earn APY$500 – $2,499 | Interest Rate0.02% | Annual Percentage Yield (APY)0.02% |
Minimum to Open$10 | Minimum to Earn APY$2,500 – $9,999 | Interest Rate0.05% | Annual Percentage Yield (APY)0.05% |
Minimum to Open$10 | Minimum to Earn APY$10,000 and greater | Interest Rate0.05% | Annual Percentage Yield (APY)0.05% |
Interest bearing checking accounts earn interest from day of deposit to day of withdrawal. Interest is accrued daily, compounded monthly and credited to the account monthly. We use the daily computation method to calculate the interest on all interest bearing checking accounts. This method applies a daily periodic rate to the principal in the account each day. The Annual Percentage Yield assumes that all interest will remain on deposit for one (1) year at the stated interest rate. The interest rate on new and existing “Variable” rate accounts, as indicated above, may be subject to change at any time. Any fees assessed may reduce the earnings on the account.
As of 10/11/2024
Product | Minimum to Open | Minimum to Earn APY | Interest Rate | Annual Percentage Yield (APY) |
---|---|---|---|---|
ProductStatement Savings | Minimum to Open$10 | Minimum to Earn APY$100 | Interest Rate0.05% | Annual Percentage Yield (APY)0.05% |
ProductHoliday Savings Club | Minimum to Open$10 | Minimum to Earn APYn/a | Interest Rate0.05% | Annual Percentage Yield (APY)0.05% |
ProductHealth Savings Account (HSA) | Minimum to Open$10 | Minimum to Earn APY$0 to $2,499 | Interest Rate0.02% | Annual Percentage Yield (APY)0.02% |
ProductHealth Savings Account (HSA) | Minimum to Open$10 | Minimum to Earn APY $2,500 to $4,999 | Interest Rate0.02% | Annual Percentage Yield (APY)0.02% |
ProductHealth Savings Account (HSA) | Minimum to Open$10 | Minimum to Earn APY$5,000 and greater | Interest Rate0.02% | Annual Percentage Yield (APY)0.02% |
ProductStudent Savings Account | Minimum to Open$10 | Minimum to Earn APY$0 to $999 | Interest Rate5.00% | Annual Percentage Yield (APY)5.12% |
ProductStudent Savings Account | Minimum to Open$10 | Minimum to Earn APY$1,000 and greater | Interest Rate0.25% | Annual Percentage Yield (APY)0.25% |
Interest bearing savings accounts earn interest from day of deposit to day of withdrawal. Interest is accrued daily, compounded monthly and credited to the account monthly as indicated above, except for the Holiday Savings Club for which interest is posted to the account annually. We use the daily computation method to calculate the interest on all interest bearing savings accounts. This method applies a daily periodic rate to the principal in the account each day. The Annual Percentage Yield (APY) assumes that all interest will remain on deposit for one (1) year at the stated interest rate. The interest rate on new and existing “Variable” rate accounts as indicated above, may be subject to change at any time. Any fees assessed may reduce the earnings on the account.
As of 10/11/2024
Term | Minimum to Open & Earn APY | Interest Rate | Annual Percentage Yield (APY) |
---|---|---|---|
Term3 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.10% | Annual Percentage Yield (APY)0.10% |
Term6 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.10% | Annual Percentage Yield (APY)0.10% |
Term8 Months – Special | Minimum to Open & Earn APY$1,000 | Interest Rate4.17% | Annual Percentage Yield (APY)4.25% |
Term12 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.15% | Annual Percentage Yield (APY)0.15% |
Term18 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.20% | Annual Percentage Yield (APY)0.20% |
Term24 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.25% | Annual Percentage Yield (APY)0.25% |
Term36 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.35% | Annual Percentage Yield (APY)0.35% |
Term48 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.40% | Annual Percentage Yield (APY)0.40% |
Term60 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.50% | Annual Percentage Yield (APY)0.50% |
Certificates of Deposit (CDs) are subject to a substantial penalty for any withdrawal of principal prior to maturity. The penalty amount is equal to ninety (90) days interest on CD terms of less than 12 months, one hundred and eighty (180) days interest on CDs with terms of 18 months but less than 36 months and three hundred and sixty (360) days interest on CD terms of 36 months or greater whether earned or not, on the amount withdrawn at the nominal (simple) interest rate being paid on the account regardless of the length of time the funds withdrawn have remained in the account. This penalty will be waived in the event of the death of any Accountholder or when any Accountholder has been determined to be legally incompetent by a court or other administrative body. The stated yield for CDs of less than one year assumes the reinvestment of principal and interest at the same rate, although the rate may not be available upon renewal. CD accounts must be opened with a minimum deposit of $1,000.00. If the balance drops below the minimum balance requirement during the term, the interest rate and APY is reduced to the posted Statement Savings interest rate and APY. The APY assumes that principal and interest remain on deposit for one (1) year at the listed interest rate. This information does not constitute all of the rules for CDs, which are subject to all applicable Federal and State regulations, and to the terms of the Windsor Federal Bank Deposit Account Agreement.
Interest on all accounts is compounded monthly from day of deposit to day of withdrawal and shall be credited to the account monthly.
Fees and other conditions may reduce the earnings on the account.
The Deposit Rates quoted are accurate as of the date at the top of this page. All deposit rates and annual percentage yields offered are subject to change without notice.
For full account details, please contact the branch office most convenient to you or call our Customer Care Center at 860-688-8511.
As of 10/11/2024
Term | Minimum to Open & Earn APY | Interest Rate | Annual Percentage Yield (APY) |
---|---|---|---|
Term3 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.10% | Annual Percentage Yield (APY)0.10% |
Term6 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.10% | Annual Percentage Yield (APY)0.10% |
Term8 Months – Special | Minimum to Open & Earn APY$1,000 | Interest Rate4.17% | Annual Percentage Yield (APY)4.25% |
Term12 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.15% | Annual Percentage Yield (APY)0.15% |
Term18 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.20% | Annual Percentage Yield (APY)0.20% |
Term24 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.25% | Annual Percentage Yield (APY)0.25% |
Term36 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.35% | Annual Percentage Yield (APY)0.35% |
Term48 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.40% | Annual Percentage Yield (APY)0.40% |
Term60 Months | Minimum to Open & Earn APY$1,000 | Interest Rate0.50% | Annual Percentage Yield (APY)0.50% |
Certificates of Deposit (CDs) are subject to a substantial penalty for any withdrawal of principal prior to maturity. The penalty amount is equal to ninety (90) days interest on CD terms of less than 12 months, one hundred and eighty (180) days interest on certificate of deposits with terms of 18 months but less than 36 months and three hundred and sixty (360) days interest on certificate of deposit terms of 36 months or greater whether earned or not, on the amount withdrawn at the nominal (simple) interest rate being paid on the account regardless of the length of time the funds withdrawn have remained in the account. This penalty will be waived in the event of the death of any Accountholder or when any Accountholder has been determined to be legally incompetent by a court or other administrative body. The stated yield for CDs of less than one year assumes the reinvestment of principal and interest at the same rate, although the rate may not be available upon renewal. CD accounts must be opened with a minimum deposit of $1,000. If the balance drops below the minimum balance requirement during the term, the interest rate and APY is reduced to the posted Statement Savings interest rate and APY. The APY assumes that principal and interest remain on deposit for one (1) year at the listed interest rate. This information does not constitute all of the rules for CDs, which are subject to all applicable Federal and State regulations, and to the terms of the Windsor Federal Bank Deposit Account Agreement.
Interest on all accounts is compounded monthly from day of deposit to day of withdrawal and shall be credited to the account monthly.
Fees and other conditions may reduce the earnings on the account.
The Deposit Rates quoted are accurate as of the date at the top of this page. All deposit rates and annual percentage yields offered are subject to change without notice. For today’s rates and yields, call us or visit one of our convenient locations.
For full account details, please contact the branch office most convenient to you or call our Customer Care Center at 860-688-8511.
As of 10/11/2024
Minimum to Open | Minimum to Earn APY | Interest Rate | Annual Percentage Yield (APY) |
---|---|---|---|
Minimum to Open$10 | Minimum to Earn APY$0 – $2,499 | Interest Rate0.05% | Annual Percentage Yield (APY)0.05% |
Minimum to Open$10 | Minimum to Earn APY$2,500 – $9,999 | Interest Rate0.05% | Annual Percentage Yield (APY)0.05% |
Minimum to Open$10 | Minimum to Earn APY$10,000 – $49,999 | Interest Rate0.10% | Annual Percentage Yield (APY)0.10% |
Minimum to Open$10 | Minimum to Earn APY$50,000 – $99,999 | Interest Rate0.20% | Annual Percentage Yield (APY)0.20% |
Minimum to Open$10 | Minimum to Earn APY$100,000 – $249,999 | Interest Rate0.30% | Annual Percentage Yield (APY)0.30% |
Minimum to Open$10 | Minimum to Earn APY$250,000 – $499,999 | Interest Rate0.50% | Annual Percentage Yield (APY)0.50% |
Minimum to Open$10 | Minimum to Earn APY$500,000 – $999,999 | Interest Rate0.60% | Annual Percentage Yield (APY)0.60% |
Minimum to Open$10 | Minimum to Earn APY$1,000,000 + | Interest Rate0.75% | Annual Percentage Yield (APY)0.75% |
Interest bearing savings accounts earn interest from day of deposit to day of withdrawal. Interest is accrued daily, compounded monthly and credited to the account monthly as indicated above, except for the Holiday Savings Club for which interest is posted to the account annually. We use the daily computation method to calculate the interest on all interest bearing savings accounts. This method applies a daily periodic rate to the principal in the account each day. The Annual Percentage Yield assumes that all interest will remain on deposit for one (1) year at the stated interest rate. The interest rate on new and existing “Variable” rate accounts as indicated above, may be subject to change at any time. Any fees assessed may reduce the earnings on the account.
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