APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective 01/01/19. Rates may change after accounts are opened. Fees may reduce earnings.

### Kasasa Cash*Learn More

Balance | Minimum Deposit to Open | Rate | APY |
---|---|---|---|

0 - $25,000 | $100 | 2.72% | 2.75% |

$25,000+ | $100 | 0.50% | 2.75% to 0.95% |

All balances if qualifications not met | $100 | 0.05% | 0.05% |

**Qualifications **

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash^{®} account during each Monthly Qualification Cycle:

- At least 12 debit card purchases
- Be enrolled in and agree to receive electronic statements

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

### Kasasa Saver*Learn More

Balance | Minimum Deposit to Open | Rate | APY |
---|---|---|---|

0 - $100,000 | $100 | 1.05% | 1.05% |

$100,000+ | $100 | 0.50% | 1.05% to 0.77% |

All balances if qualifications not met | $100 | 0.05% | 0.05% |

**Qualifications**

Qualifying for your Kasasa Cash or Kasasa Cash Back^{®} rewards automatically qualifies you for the highest Kasasa Saver^{®} rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

- At least 12 debit card purchases
- Be enrolled in and agree to receive electronic statements

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.

### Savings Accounts

Account | Minimum to Open | APY |
---|---|---|

Statement Savings | $100 | 0.50% |

Kids Statement Savings | $10 | 0.50% |

MoneyIsland Savings (For Kids) | $10 | 0.50% |

Christmas Club | $10 | 0.50% |

Business Savings | $500 | 0.50% |

### Cornerstone Money MarketLearn More

Minimum Balance to Obtain APY | Minimum Deposit to Open | APY |
---|---|---|

$2,500 | $2,500 | 0.30% |

$10,000 | $2,500 | 0.40% |

$25,000 | $2,500 | 0.65% |

### Certificates of Deposit (CDs)Learn More

These are our most popular terms. Additional options are offered. Please call or visit one of our bankers today for the full listing of all our current CD rates and terms.

Term | Minimum Deposit to Open | APY |
---|---|---|

3 Months | $1,000.00 | 0.35% |

12 Months | $1,000.00 | 0.80% |

24 Months | $1,000.00 | 0.95% |

36 Months | $1,000.00 | 1.20% |

48 Months | $1,000.00 | 1.25% |

60 Months | $1,000.00 | 1.30% |

Penalty for early withdrawal

### Cornerstone Business Money MarketLearn More

Minimum Balance to Obtain APY | Minimum Deposit to Open | APY |
---|---|---|

$2,500 | $2,500 | 0.30% |

$10,000 | $2,500 | 0.40% |

$25,000 | $2,500 | 0.65% |

$100,000 | $2,500 | 0.75% |

### Vehicle Loans

Type | Term | APR |
---|---|---|

New Car | up to 60 months | 3.98% |

New Car | 61 to 72 months | 4.25% |

Used Car | up to 60 months | 4.49% |

Used Car | 61 to 72 months | 4.79% |

New Motorcycle | up to 60 months | 7.49% |

New Motorcycle | 61 to 72 months | 7.99% |

All annual percentage rates are accurate as of 01/01/19. and are subject to change at any time.

### Home Equity LoansLearn More

Type | Amount | Interest Rate | APR | Terms |
---|---|---|---|---|

80% Combined Loan to Value – Single Family | up to $200,000 | 5.99% to 6.79% | 6.42% to 7.23% | 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years |

80% Combined Loan to Value – Condominium | up to $150,000 | 6.29% to 6.99% | 6.72% to 7.43% | 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years |

85% Combined Loan to Value – Single Family | Up to $125,000 | 6.29% to 6.89% | 6.72% to 7.33% | 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years |

85% Combined Loan to Value – Condominium | Up to $100,000 | 6.59% to 6.99% | 7.03% to 7.43% | 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years |

90% Combined Loan to Value – Single Family | Up to $75,000 | 6.49% to 7.19% | 6.93% to 7.64% | 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years |

90% Combined Loan to Value – Condominium | Up to $75,000 | 6.79% to 7.19% | 7.23% to 7.64% | 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years |

Note: Rates are based on loan amounts, credit qualifications and FICO scores. APR = Annual Percentage Rate. Credit and other restrictions may apply.

80% Combined Loan to Value Program Payment Examples

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $59.90 at 6.42% APR (5.99% Interest Rate) for 119 months, with a final balloon payment of $8,426.95. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $65.14 at 7.23% APR (6.79% Interest Rate) for 119 months, with a final balloon payment of $8,603.51.

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $61.85 at 6.72% APR (6.29% Interest Rate) for 119 months, with a final balloon payment of $8,493.71.Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $66.48 at 7.43% APR (6.99% Interest Rate) for 119 months, with a final balloon payment of $8,645.33.

85% Combined Loan to Value Program Payment Examples

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $61.85 at 6.72% APR (6.29% Interest Rate) for 119 months, with a final balloon payment of $8,493.71. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $65.81 at 7.33% APR (6.89% Interest Rate) for 119 months, with a final balloon payment of $8,624.26.

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $63.81 at 7.03% APR (6.59% Interest Rate) for 119 months, with a final balloon payment of $8,561.13. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $66.48 at 7.43% APR (6.99% Interest Rate) for 119 months, with a final balloon payment of $8,645.33.

90% Combined Loan to Value Program Payment Examples

Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $63.15 at 6.93% APR (6.49% Interest Rate) for 119 months, with a final balloon payment of $8,539.54. Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $67.83 at 7.64% APR (7.19% Interest Rate) for 119 months, with a final balloon payment of $8,686.22.

Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $65.14 at 7.23% APR (6.79% Interest Rate) for 119 months, with a final balloon payment of $8,603.51. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $67.83 at 7.64% APR (7.19% Interest Rate) for 119 months, with a final balloon payment of $8,686.22.

## Home Equity Lines of Credit (HELOC)

### 80% Combined Loan to Value Program - Single Family ProgramLearn More

#### Combined Loan to Value: up to 80% Maximum Loan Amount $200,000

Amount | Interest Rate (Prime 5.50%) | APR / Rate Floor 4.50% |
---|---|---|

$150,000 to $200,000 | Prime +.00 to Prime + 1.00 | 5.50% to 6.50% |

$100,000 to $149,999 | Prime + .50 to Prime + 1.25 | 6.00% to 6.75% |

$50,000 to $99,999 | Prime + .75 to Prime + 1.50 | 6.25% to 7.00% |

Up to $49,999 | Prime + 1.00 to Prime + 1.75 | 6.50% to 7.25% |

Note: Rates are based on loan amounts, credit qualifications and FICO scores.

Payment Examples:

*APR (Annual Percentage Rate) based on your loan-to-value (LTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime to Prime+2.75, subject to change with Prime. As of today, the Prime Rate is 5.50%. The "floor" is 4.50% and the "ceiling" is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the Index + margin rate.

**80% Combined Loan to Value Program**

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 80%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

### 80% Combined Loan to Value Program - Condominium ProgramLearn More

#### Combined Loan to Value: up to 80% Maximum Loan Amount $150,000

Amount | Interest Rate (Prime 5.50%) | APR / Rate Floor 4.50% |
---|---|---|

$100,000 to $150,000 | Prime + .75 to Prime + 1.50 | 6.25% to 7.00% |

$50,000 to $99,999 | Prime + 1.00 to Prime + 1.75 | 6.50% to 7.25% |

Up to $49,999 | Prime + 1.25 to Prime + 2.00 | 6.75% to 7.50% |

Note: Rates are based on loan amounts, credit qualifications and FICO scores.

Payment Examples:

*APR (Annual Percentage Rate) based on your loan-to-value (LTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime to Prime+2.75, subject to change with Prime. As of today, the Prime Rate is 5.50%. The "floor" is 4.50% and the "ceiling" is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the Index + margin rate.

**80% Combined Loan to Value Program**

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 80%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

### 85% Combined Loan to Value Program - Single Family ProgramLearn More

#### Combined Loan to Value: 80.01% - 85% Maximum Loan Amount $125,000 (80% when 1st Mortgage Exceeds $1,000,000)

Amount | Interest Rate (Prime 5.50%) | APR / Rate Floor 4.50% |
---|---|---|

$75,000 to $125,000 | Prime + 1.00 to Prime + 1.75 | 6.50% to 7.25% |

$25,000 to $74,999 | Prime + 1.25 to Prime + 2.00 | 6.75% to 7.50% |

Up to $24,999 | Prime + 1.50 to Prime + 2.25 | 7.00% to 7.75% |

Note: Rates are based on loan amounts, credit qualifications and FICO scores.

Payment Examples:

*APR (Annual Percentage Rate) based on your loan-to-value (LTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime to Prime+2.75, subject to change with Prime. As of today, the Prime Rate is 5.50%. The "floor" is 4.50% and the "ceiling" is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the Index + margin rate.

**85% Combined Loan to Value Program**

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 85%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

### 85% Combined Loan to Value Program - Condominium ProgramLearn More

#### Combined Loan to Value: 80.01% - 85% Maximum Loan Amount $100,000 (80% when 1st Mortgage Exceeds $1,000,000)

Amount | Interest Rate (Prime 5.50%) | APR / Rate Floor 4.50% |
---|---|---|

$50,000 to $100,000 | Prime + 1.25 to Prime + 2.00 | 6.75% to 7.50% |

$25,000 to $49,999 | Prime + 1.50 to Prime + 2.25 | 7.00% to 7.75% |

Up to $24,999 | Prime + 1.75 to Prime + 2.50 | 7.25% to 8.00% |

Note: Rates are based on loan amounts, credit qualifications and FICO scores.

Payment Examples:

**85% Combined Loan to Value Program**

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 85%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

### 90% Combined Loan to Value Program - Single Family ProgramLearn More

#### Combined Loan to Value: 85.01% to 90% Maximum Loan Amount $75,000 (80% when 1st Mortgage Exceeds $1,000,000)

Amount | Interest Rate (Prime 5.50%) | APR / Rate Floor 4.50% |
---|---|---|

$50,000 to $75,000 | Prime + 1.25 to Prime + 2.00 | 6.75% to 7.50% |

$25,000 to $49,999 | Prime + 1.50 to Prime + 2.25 | 7.00% to 7.75% |

Up to $24,999 | Prime + 1.75 to Prime + 2.50 | 7.25% to 8.00% |

Note: Rates are based on loan amounts, credit qualifications and FICO scores.

Payment Examples:

**90% Combined Loan to Value Program**

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 90%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

### 90% Combined Loan to Value Program - Condominium ProgramLearn More

#### Combined Loan to Value: 85.01% to 90% Maximum Loan Amount $75,000 (80% when 1st Mortgage Exceeds $1,000,000)

Amount | Interest Rate (Prime 5.50%) | APR / Rate Floor 4.50% |
---|---|---|

$50,000 to $75,000 | Prime + 1.50 to Prime + 2.25 | 7.00% to 7.75% |

$25,000 to $49,999 | Prime + 1.75 to Prime + 2.50 | 7.25% to 8.00% |

Up to $24,999 | Prime + 2.00 to Prime + 2.75 | 7.50% to 8.25% |

Note: Rates are based on loan amounts, credit qualifications and FICO scores.

Payment Examples:

**90% Combined Loan to Value Program**

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 90%, owner-occupied properties, depending upon your commitment amount and credit qualifications.