Mortgage Rates
| Loan Type | Rate | Points | APR | Payment |
|---|---|---|---|---|
| 30 Year Fixed (Conforming) | 4.500% | 0.00% | 4.6617% | $810.70 |
| 20 Year Fixed (Conforming) | 4.375% | 0.00% | 4.5954% | $1,001.48 |
| 15 Year Fixed (Conforming) | 4.00% | 0.00% | 4.2765% | $1,183.50 |
| 10 Year Fixed (Conforming) | 4.00% | 0.00% | 4.3989% | $1,619.92 |
The program scenarios listed above assume the following: The purpose is to purchase a primary residence with a $160,000 loan amount, an estimated value of $225,000, and credit score of at least 740. All interest rates noted above are based on a 60 day rate lock and are subject to program guidelines. Payments quoted are monthly principal and interest only. This is not a mortgage loan approval or commitment to lend.
Interest Rates and Annual Percentage Rates (APR) may vary. Other terms and conditions may apply.
Rates effective as of August 16, 2018
Personal Checking & Savings Accounts
| Account Type | Interest Rate | APY* | Min. Deposit to Open Account | Min. Balance to Earn APY* |
|---|---|---|---|---|
| Ultimate Checking | 0.10% | 0.10% | $400 | $400 |
| Youth Savings | 0.10% | 0.10% | $0 | $0.01 |
| Regular Savings | 0.10% | 0.10% | $50 | $50 |
| Money Market Savings | 0.15% | 0.15% | $500 | $500 |
| IRA Savings | 0.15% | 0.15% | $100 | $100 |
Ultimate Money Market Savings
| Tiers | Interest Rate | APY* | Min. Deposit to Open Account | Min. Balance to Earn APY* |
|---|---|---|---|---|
| $0 - $99,999.99 | 0.15% | 0.15% | $100,000 | $0.01 |
| $100,000 - $249,999.99 | 0.20% | 0.20% | $100,000 | $100,000 |
| $250,000 - $499,999.99 | 0.25% | 0.25% | $100,000 | $250,000 |
| $500,000 + | 0.35% | 0.35% | $100,000 | $500,000 |
*Annual Percentage Yield accurate as of August 16, 2018
Fees May Reduce Earnings
Rates May Change After the Account is Opened
CD Specials
| Term | Interest Rate | APY* |
|---|---|---|
| 15 Month | 1.75% | 1.75% |
| 37 Month** | 2.25% | 2.25% |
| 57 Month | 2.50% | 2.50% |
CD Rates
| Term | Interest Rate | APY* | Min. Deposit to Open Account | Min. Balance to Earn APY* |
|---|---|---|---|---|
| 3 Month | 0.30% | 0.30% | $500 | $500 |
| 6 Month | 0.60% | 0.60% | $500 | $500 |
| 9 Month | 0.65% | 0.65% | $500 | $500 |
| 12 Month | 1.00% | 1.00% | $500 | $500 |
| 15 Month | 1.50% | 1.50% | $500 | $500 |
| 18 Month | 0.75% | 0.75% | $500 | $500 |
| 24 Month | 0.75% | 0.75% | $500 | $500 |
| 36 Month | 0.80% | 0.80% | $500 | $500 |
| 48 Month | 1.15% | 1.15% | $500 | $500 |
| 60 Month | 1.65% | 1.65% | $500 | $500 |
| Loan Type | Rate | Points | APR | Payment |
|---|---|---|---|---|
| 30 Year Fixed (Conforming) | 4.500% | 0.00% | 4.6617% | $810.70 |
| 20 Year Fixed (Conforming) | 4.375% | 0.00% | 4.5954% | $1,001.48 |
| 15 Year Fixed (Conforming) | 4.00% | 0.00% | 4.2765% | $1,183.50 |
| 10 Year Fixed (Conforming) | 4.00% | 0.00% | 4.3989% | $1,619.92 |
The program scenarios listed above assume the following: The purpose is to purchase a primary residence with a $160,000 loan amount, an estimated value of $225,000, and credit score of at least 740. All interest rates noted above are based on a 60 day rate lock and are subject to program guidelines. Payments quoted are principal and interest only. This is not a mortgage loan approval or commitment to lend.
Interest Rates and Annual Percentage Rates (APR) may vary. Other terms and conditions may apply.
Rates effective as of December 4, 2017
* Annual Percentage Yield accurate as of August 16, 2018.
** If interest rates increase, you may bump up your interest rate one time during the term of the CD
Penalty for early withdrawal may apply, fees may reduce earnings.
Call a VISIONBank employee for further information about applicable fees and terms.