Rates
Mortgage Rates
| Loan Type | Rate | Points | APR | Payment |
|---|---|---|---|---|
| 30 Year Fixed (Conforming) | 4.25% | 0.00% | 4.4084% | $787.10 |
| 20 Year Fixed (Conforming) | 4.125% | 0.00% | 4.3421% | $980.14 |
| 15 Year Fixed (Conforming) | 3.75% | 0.00% | 4.0230% | $1,163.56 |
| 10 Year Fixed (Conforming) | 3.75% | 0.00% | 4.1448% | $1,600.98 |
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 February 11, 2019
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 | 0.30% | 0.30% | $500 | $500 |
| IRA Savings | 0.30% | 0.30% | $100 | $100 |
Ultimate Money Market Savings
| Tiers | Interest Rate | APY* | Min. Deposit to Open Account | Min. Balance to Earn APY* |
|---|---|---|---|---|
| $0 - $99,999.99 | 0.30% | 0.30% | $100,000 | $0.01 |
| $100,000 - $249,999.99 | 1.15% | 1.16% | $100,000 | $100,000 |
| $250,000 - $499,999.99 | 1.15% | 1.16% | $100,000 | $250,000 |
| $500,000 + | 1.25% | 1.26% | $100,000 | $500,000 |
*Annual Percentage Yield accurate as of January 22, 2019.
Fees May Reduce Earnings
Rates May Change After the Account is Opened
CD Rates
| Term | Interest Rate | APY* | Min. Deposit to Open Account | Min. Balance to Earn APY* |
|---|---|---|---|---|
| 3 Month | 0.75% | 0.75% | $500 | $500 |
| 6 Month | 1.00% | 1.00% | $500 | $500 |
| 9 Month | 1.40% | 1.40% | $500 | $500 |
| 12 Month | 2.25% | 2.25% | $500 | $500 |
| 15 Month | 2.30% | 2.30% | $500 | $500 |
| 18 Month | 2.50% | 2.52% | $500 | $500 |
| 24 Month | 2.60% | 2.60% | $500 | $500 |
| 36 Month | 2.75% | 2.75% | $500 | $500 |
| 48 Month | 2.50% | 2.50% | $500 | $500 |
| 60 Month | 2.60% | 2.60% | $500 | $500 |
Mortgage Rates
Personal Checking & Savings
Ultimate Money Market Savings
CD Rates
Mortgage Rates
| Loan Type | Rate | Points | APR | Payment |
|---|---|---|---|---|
| 30 Year Fixed (Conforming) | 4.25% | 0.00% | 4.4084% | $787.10 |
| 20 Year Fixed (Conforming) | 4.125% | 0.00% | 4.3421% | $980.14 |
| 15 Year Fixed (Conforming) | 3.75% | 0.00% | 4.0230% | $1,163.56 |
| 10 Year Fixed (Conforming) | 3.75% | 0.00% | 4.1448% | $1,600.98 |
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
Personal Checking & Savings
| 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 | 0.30% | 0.30% | $500 | $500 |
| IRA Savings | 0.30% | 0.30% | $100 | $100 |
Ultimate Money Market Savings
| Tiers | Interest Rate | APY* | Min. Deposit to Open Account | Min. Balance to Earn APY* |
|---|---|---|---|---|
| $0 - $99,999.99 | 0.30% | 0.30% | $100,000 | $0.01 |
| $100,000 - $249,999.99 | 1.15% | 1.16% | $100,000 | $100,000 |
| $250,000 - $499,999.99 | 1.15% | 1.16% | $100,000 | $250,000 |
| $500,000 + | 1.25% | 1.26% | $100,000 | $500,000 |
*Annual Percentage Yield accurate as of April 20, 2017
Fees May Reduce Earnings
Rates May Change After the Account is Opened
CD Rates
| Term | Interest Rate | APY* | Min. Deposit to Open Account | Min. Balance to Earn APY* |
|---|---|---|---|---|
| 3 Month | 0.75% | 0.75% | $500 | $500 |
| 6 Month | 1.00% | 1.00% | $500 | $500 |
| 9 Month | 1.40% | 1.40% | $500 | $500 |
| 12 Month | 2.25% | 2.25% | $500 | $500 |
| 15 Month | 2.30% | 2.30% | $500 | $500 |
| 18 Month | 2.50% | 2.52% | $500 | $500 |
| 24 Month | 2.60% | 2.60% | $500 | $500 |
| 36 Month | 2.75% | 2.75% | $500 | $500 |
| 48 Month | 2.50% | 2.50% | $500 | $500 |
| 60 Month | 2.60% | 2.60% | $500 | $500 |
* Annual Percentage Yield accurate as of January 22, 2019.
**If interest rates increase, you may bump up your interest rate one time during the term of the CD
Call a VISIONBank employee for further information about applicable fees and terms.
* Annual Percentage Yield accurate as of January 22, 2019.
Penalty for early withdrawal may apply, fees may reduce earnings.
Call a VISIONBank employee for further information about applicable fees and terms.