*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective 1/01/20 . Rates may change after accounts are opened. Fees may reduce earnings. Please call us at (888) 505-BANK (2265) for our most current rates.
Evergreen Free Rewards Learn More
| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| 0 - $25,000 | $100 | 2.52% | 2.55% |
| $25,000+ | $100 | 0.50% | 2.55% to 0.91% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Evergreen Free Linked Saver Learn More
| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| 0 - $100,000 | $100 | 1.24% | 1.25% |
| $100,000+ | $100 | 0.50% | 1.25% to 0.88% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
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 Market Learn 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) and IRA 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 | 1.10% |
| 5 Months | $1,000.00 | 1.40% |
| 6-7 Months | $1,000.00 | 1.50% |
| 9 months | $1,000.00 | 1.60% |
| 12-13 Months | $1,000.00 | 1.70% |
| 15-17 Months | $1,000.00 | 1.75% |
| 18-20 Months | $1,000.00 | 1.80% |
| 23-24 Months | $1,000.00 | 1.90% |
| 29-36 Months | $1,000.00 | 1.95% |
| 48 Months | $1,000.00 | 2.00% |
| 60 Months | $1,000.00 | 2.05% |
Penalty for early withdrawal
Cornerstone Business Money Market Learn 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 1/01/20 and are subject to change at any time.
Home Equity Loans Learn 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 Line of Credit (HELOC)
80% Combined Loan to Value Program - Single Family and Condominium Learn More
Combined Loan to Value: up to 80% Maximum Loan Amount $200,000
| Amount | Interest Rate (Prime 4.75%) | APR* / Rate Floor 4.25% |
|---|---|---|
| $100,000 to $200,000 | Prime - .50% to Prime + .00% | 4.25% to 4.75% |
| Up to $99,999 | Prime - .25% to Prime + .25% | 4.50% to 5.00% |
Note: Rates are based on loan amounts, credit qualifications and FICO scores.
Payment examples:
*APR (Annual Percentage Rate) based on your combined loan-to-value (CLTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime - .50% to Prime + 1.50%, subject to change with Prime. As of today, the Prime Rate is 4.75%. The 'floor' is 4.25% 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 Condominium Learn 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 4.75%) | APR* / Rate Floor 4.25% |
|---|---|---|
| $50,000 to $125,000 | Prime + .25% to Prime + .75% | 5.00% to 5.50% |
| Up to $49,999 | Prime + .75% to Prime + 1.25% | 5.50% to 6.00% |
Note: Rates are based on loan amounts, credit qualifications and FICO scores.
Payment examples:
*APR (Annual Percentage Rate) based on your combined loan-to-value (CLTV), 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 4.75%. The 'floor' is 4.25% 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 85%, owner-occupied properties, depending upon your commitment amount and credit qualifications.
90% Combined Loan to Value Program - Single Family and Condominium Learn 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 4.75%) | APR* / Rate Floor 4.25% |
|---|---|---|
| $50,000 to $75,000 | Prime + .75% to Prime + 1.25% | 5.50% to 6.00% |
| Up to $49,999 | Prime + 1.00% to Prime + 1.50% | 5.75% to 6.25% |
Note: Rates are based on loan amounts, credit qualifications and FICO scores.
Payment examples:
*APR (Annual Percentage Rate) based on your combined loan-to-value (CLTV), 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 4.75%. The 'floor' is 4.25% 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 90%, owner-occupied properties, depending upon your commitment amount and credit qualifications.