# Personal Banking Rates

Rates as of: January 8, 2026

## Promotional Certificates of Deposit and Savings

Term | Interest Rate | Annual Percentage Yield* | Min Balance for APY | Crediting Frequency
--- | --- | --- | --- | ---
Premium Money Market | 2.72% | 2.75% | $2,500.00 | End Of Month
| 2.96% | 3.00% | $50,000.00 | End Of Month
| 3.20% | 3.25% | $250,000.00 | End Of Month
13 Month CD Special | 3.49% | 3.55% | $500.00 | End Of Month
13 Month IRA CD Special | 3.49% | 3.55% | $500.00 | End Of Month
15 Month Breakable CD | 3.10% | 3.15% | $0.00 | End Of Month
15 Month Promotional CD | 3.30% | 3.35% | $0.01 | End Of Month
15 Month Promotional IRA CD | 3.30% | 3.35% | $0.01 | End Of Month

All Promotional Certificate of Deposit (CD) products: The Annual Percentage Yield (APY) assumes that principal balance and interest earned remain on deposit until maturity. These rates may change at any time without prior notice. Minimum to open is $500; maximum opening CD balance $1,000,000. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal.

All Promotional Money Market (MM) accounts: APY rate assumes minimum reinvestment at the same rate for an annual period. These rates are variable and may change at any time without prior notice. Fees may reduce earnings.

## Home Equity Installment Loan

* This is a limited time offer. Property must be owner occupied. Borrower must qualify for loan based on standard underwriting criteria. 1st or 2nd lien position.

An example loan of $50,000 at 7.240% for 240 months would have monthly payments of $394.89. Payment does not include taxes and insurance premiums, where applicable. The APR of 7.240% includes no prepaid finance charge.

## Home Equity Line of Credit

An example loan of $100,000 at 6.750% for 120 months would have monthly interest only payments of $573.29 (assuming a full draw from the available line and principal is not reduced.)

Home Equity Lines of Credit- Interest rate is variable for 120 months, equal to the Wall Street Journal Prime Lending Rate Prime (6.750%) on loan amounts ranging from $10,000 to $1,000,000. These rates do not reflect 0.125% discount for automatic payments from a checking or savings account. After the 120 month Draw period, the principal balance will then be fixed and amortized for 240 months (Repayment Period).

All rates, terms, and conditions are subject to change without notice.

Consult a tax advisor for deductibility of interest.

## Residential Fixed Rate Mortgages

### Conventional

Other rates and terms available

** See important rate information below

Apply for a Residential Rate Mortgage

** The displayed Rate and Annual Percentage Rate (APR) for loan products may include up to 1.0 discount point as an upfront cost to borrowers. The rate you receive may be different, based on the loan amount, loan purpose, credit score, mortgage loan -to-value ratio, and other factors. Rates are subject to change at any time, including the same day. Consult a tax advisor for deductibility of interest.

NOTE: An example loan of $350,000 at 5.875% for 360 months would have monthly payments of $2,070.38. Payment does not include taxes and insurance premiums, where applicable. The APR of 6.012% includes no prepaid finance charge.

## Adjustable-Rate Mortgages

### Rates below for 30 yr. term (Up to $832,750)

Please contact us for rate and qualification criteria.

Apply for an Adjustable-Rate Mortgage

## Jumbo-Fixed Rate Mortgages

### ($832,751 to $1,250,000)*

*Add .375% to above rates for loan amounts of $1,250,001 and higher.
Other rates and terms available

** See important rate information below

Apply for a Jumbo-Rate Mortgage

** The displayed Rate and Annual Percentage Rate (APR) for loan products reflects the lowest interest rate and applicable closing costs. The rate you receive may be higher, based on the loan purpose, credit score, mortgage loan -to-value ratio, and other factors. Rates are subject to change at any time, including the same day. Consult a tax advisor for deductibility of interest.

NOTE: An example loan of $850,000 at 6.500% for 360 months would have monthly payments of $5,372.58. Payment does not include taxes and insurance premiums, where applicable. The APR of 6.546% includes no prepaid finance charge.

## Jumbo Adjustable-Rate Mortgages

### Rates below for 30 yr. term ($832,751 to $1,250,000)*

All Jumbo ARMs have a 2/6 Cap and 2.75% Margin

*Add .375% to above rates for loan amounts of $1,250,001 and higher.

Other rates and terms available
Rates may increase after loan consummation.

** See important rate information below

Apply for a Jumbo Adjustable-Rate Mortgage

** The displayed Rate and Annual Percentage Rate (APR) for loan products reflects the lowest interest rate and applicable closing costs. The rate you receive may be higher, based on the loan purpose, credit score, mortgage loan -to-value ratio, and other factors. Rates are subject to change at any time, including the same day. Consult a tax advisor for deductibility of interest.

NOTE: An example loan of $850,000 at 6.375% for 360 months would have monthly payments of $5,302.89. Payment does not include taxes and insurance premiums, where applicable. The APR of 6.463% includes no prepaid finance charge.

## Bi-Weekly Mortgages

Other rates and terms available

** See important rate information below

Apply for a Bi-Weekly Mortgage

** The displayed Rate and Annual Percentage Rate (APR) for loan products reflects the lowest interest rate and applicable closing costs. The rate you receive may be higher, based on the loan purpose, credit score, mortgage loan -to-value ratio, and other factors. Rates are subject to change at any time, including the same day. Consult a tax advisor for deductibility of interest.

NOTE: An example loan of $275,000 at 6.875% for 360 months would have monthly payments of $1,806.55. Payment does not include taxes and insurance premiums, where applicable. The APR of 6.922% includes no prepaid finance charge.

## Personal Checking

Account | Interest Rate | Annual Percentage Yield | Min Balance for APY | Crediting Frequency
--- | --- | --- | --- | ---
Relationship Checking | .03% | .03% | $0.01 | End Of Month
| .03% | .03% | $5,000.00 | End Of Month
| .03% | .03% | $25,000.00 | End Of Month

APY rate assumes minimum reinvestment at the same rate for an annual period. These rates are variable and may change at any time without prior notice. Fees may reduce earnings for Personal Checking.

## Personal Savings

Account | Interest Rate | Annual Percentage Yield | Min Balance for APY | Crediting Frequency
--- | --- | --- | --- | ---
Common Cents Savings | .15% | .15% | $0.01 | End Of Month
| .15% | .15% | $5,000.01 | End Of Month
Junior Statement | .05% | .05% | $25.00 | End Of Month
Statement | .05% | .05% | $100.00 | End Of Month
Ultra Money Market | .10% | .10% | $1,000.00 | End Of Month
| .10% | .10% | $10,000.00 | End Of Month
| .15% | .15% | $25,000.00 | End Of Month

APY rate assumes minimum reinvestment at the same rate for an annual period. These rates are variable and may change at any time without prior notice. Fees may reduce earnings for Personal Savings.

## Certificates of Deposit

Term | Interest Rate | Annual Percentage Yield* | Min Balance for APY | Crediting Frequency
--- | --- | --- | --- | ---
91 Day Certificate | .55% | .55% | $500.00 | End Of Month
6 Month Certificate | .65% | .65% | $500.00 | End Of Month
12 Month Certificate | .75% | .75% | $500.00 | End Of Month
18 Month Certificate | .85% | .85% | $500.00 | End Of Month
24 Month Certificate | 1.00% | 1.00% | $500.00 | End Of Month
30 Month Certificate | 1.00% | 1.00% | $500.00 | End Of Month
36 Month Certificate | 1.00% | 1.00% | $500.00 | End Of Month
48 Month Certificate | 1.00% | 1.00% | $500.00 | End Of Month
60 Month Certificate | 1.24% | 1.25% | $500.00 | End Of Month

The Annual Percentage Yield (APY) assumes that principal balance and interest earned remain on deposit until maturity. These rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal.

## Individual Retirement Accounts

Term | Interest Rate | Annual Percentage Yield* | Min Balance for APY | Crediting Frequency
--- | --- | --- | --- | ---
IRA Statement | .05% | .05% | $25.00 | End Of Month
6 Month IRA Certificate | .65% | .65% | $500.00 | End Of Month
12 Month IRA Time Deposit | .75% | .75% | $500.00 | End Of Month
18 Month Fixed IRA | .85% | .85% | $500.00 | End Of Month
24 Month IRA | 1.00% | 1.00% | $500.00 | End Of Month
30 Month IRA | 1.00% | 1.00% | $500.00 | End Of Month
36 Month IRA | 1.00% | 1.00% | $500.00 | End Of Month
48 Month IRA | 1.00% | 1.00% | $500.00 | End Of Month
60 Month IRA | 1.24% | 1.25% | $500.00 | End Of Month

Annual percentage yield produced after one full year of compounding. APY rate assumes minimum reinvestment at the same rate for an annual period. These rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. IRAs are subject to the terms and conditions established by the Internal Revenue Service. Please consult your tax advisor on how the IRA rules apply to your personal situation. Offer subject to change without notice.