APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective 05/01/19. Rates may change after accounts are opened. Fees may reduce earnings.
Evergreen Free RewardsLearn More
| Balance | Minimum Deposit to Open | Rate | APY |
|---|---|---|---|
| 0 - $25,000 | $100 | 2.96% | 3.00% |
| $25,000+ | $100 | 0.50% | 3.00% to 0.99% |
| 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 Evergreen Free Rewards 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.
Evergreen Free Linked SaverLearn 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 Evergreen Free Rewards or Evergreen Free Cash Back rewards automatically qualifies you for the highest Evergreen Free Linked Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Evergreen Free Rewards or Evergreen Free 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% |
| 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 | 1.25% |
| 5 Months | $1,000.00 | 1.50% |
| 6 - 9 Months | $1,000.00 | 2.00% |
| 12 Months | $1,000.00 | 2.10% |
| 13 Months | $1,000.00 | 2.20% |
| 15 - 23 Months | $1,000.00 | 2.30% |
| 24 - 48 Months | $1,000.00 | 2.40% |
| 60 Months | $1,000.00 | 2.50% |
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 |
Payment Examples (based on a $10,000.00 loan) |
|---|---|---|---|
| New Car | up to 60 months | 3.98% | $184.09 |
| New Car | 61 to 72 months | 4.25% | $157.61 |
| Used Car | up to 60 months | 4.49% | $186.40 |
| Used Car | 61 to 72 months | 4.79% | $160.10 |
| New Motorcycle | up to 60 months | 7.49% | $200.36 |
| New Motorcycle | 61 to 72 months | 7.99% | $175.32 |
All annual percentage rates are accurate as of 05/01/19. 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 and Condominium | up to $200,000 | 5.75% to 6.25% | 6.18% to 6.69% | 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years |
| 85% Combined Loan to Value – Single Family and Condominium | Up to $125,000 | 6.25% to 6.75% | 6.69% to 7.20% | 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years |
| 90% Combined Loan to Value – Single Family and Condominium | Up to $75,000 | 6.50% to 7.00% | 6.94% to 7.45% | 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 $58.38 at 6.18% APR (5.75% Interest Rate) for 119 months, with a final balloon payment of $8,372.62. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $61.60 at 6.69% APR (6.25% Interest Rate) for 119 months, with a final balloon payment of $8,487.42.
85% Combined Loan to Value Program Payment Examples
Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $61.60 at 6.69% APR (6.25% Interest Rate) for 119 months, with a final balloon payment of $8,487.42. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $64.89 at 7.20% APR (6.75% Interest Rate) for 119 months, with a final balloon payment of $8,597.26.
90% Combined Loan to Value Program Payment Examples
Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $63.24 at 6.94% APR (6.50% Interest Rate) for 119 months, with a final balloon payment of $8,542.34. Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $66.57 at 7.45% APR (7.00% Interest Rate) for 119 months, with a final balloon payment of $8,648.70.
Home Equity Lines of Credit (HELOC)
80% Combined Loan to Value Program - Single Family and CondominiumLearn More
Combined Loan to Value: up to 80% Maximum Loan Amount $200,000
| Amount | Interest Rate (Prime 5.50%) | APR / Rate Floor 4.50% |
|---|---|---|
| $100,000 to $200,000 | Prime - .50% to Prime + .00% | 5.00% to 5.50% |
| Up to $99,999 | Prime - .25% to Prime + .25% | 5.25% to 5.75% |
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 - .50% to Prime + .25%, 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 maximum loan to value 80%, owner-occupied properties, depending upon your commitment amount and credit qualifications.
85% Combined Loan to Value Program - Single Family and CondominiumLearn 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% |
|---|---|---|
| $50,000 to $125,000 | Prime + .25% to Prime + .75% | 5.75% to 6.25% |
| Up to $49,999 | Prime + .75% to Prime + 1.25% | 6.25% to 6.75% |
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 + .25% to Prime + 1.25%, 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 maximum loan to value 80%, owner-occupied properties, depending upon your commitment amount and credit qualifications.
90% Combined Loan to Value Program - Single Family and CondominiumLearn 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 + .75% to Prime + 1.25% | 6.25% to 6.75% |
| Up to $49,999 | Prime + 1.00% to Prime + 1.50% | 6.50% to 7.00% |
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 + .75% to Prime + 1.50%, 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.
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 maximum loan to value 80%, owner-occupied properties, depending upon your commitment amount and credit qualifications.