Rates

Mortgage Rates

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Rates effective July 21, 2017

FIXED RATE MORTGAGES Points Interest Rate APR Payment Per $1,000
10 Year 0 3.250% 3.310% $9.77
15 Year 0 3.250% 3.291% $7.03
20 Year 0 3.750% 3.782% $5.93
30 Year 0 4.000% 4.023% $4.77
30 Year Rehab 0 4.250% 4.302% $4.92
30 Year Construction 0 4.375% 4.430% $5.08
30 Year Jumbo 0 4.375% 4.385% $4.99
30 Year Jumbo Construction 0 4.375%  4.397% $5.08
Annual Percentage Rates (APR) are based on loan amount of $180,000 and an estimated property value of $300,000. Please see below for additional information.

 

ADJUSTABLE* Points Interest Rate APR Payment Per $1,000
5 to 1 0 3.625% 3.485% $4.56
5 to 1 Jumbo 0 3.250% 3.341% $4.35
Annual Percentage Rates (APR) are based on loan amount of $180,000 and an estimated property value of $300,000.  Jumbo loans are based on $424,101 with a 20% down payment.

*The initial rate on the 5 to 1 ARMs may be discounted during the first 5 years.  The annual percentage rate is subject to increase after closing. Please see below for additional information.

 

FIRST TIME HOME BUYER
Up to 97% Financing
Points Interest Rate APR Payment Per $1,000
30 Year Fixed 0 4.000% 4.023% $4.77
5 to 1 Adjustable*, Reduced Fee 0 3.625% 3.485 $4.56
Annual Percentage Rates (APR) are based on loan amount of $180,000 and an estimated property value of $300,000.

*The initial rate on the 5 to 1 ARMs may be discounted during the first 5 years.  The annual percentage rate is subject to increase after closing. Please see below for additional information.

FHA, VA and USDA loans also available. Contact us for details.

The information provided is assumed to purchase a property with a 40% down payment, a loan amount of $180,000 and an estimated property value of $300,000. The property is an existing single family home and will be used as a primary residence. Payments shown above do not include taxes or insurance. The assumed credit score is 740 or above.

For scenarios that differ from above, contact a Mortgage Originator for rates/APRs.

APR = Annual Percentage Rate

Rates and APRs are subject to change at any time. NMLS #769125

 

Consumer Loan Rates

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Rates effective July 6, 2017

HOME EQUITY FLEX
No Closing Costs or Application Fee. Fix a portion or ALL of your Credit Line.
Term Initial Interest Rate* APR**
6 Month Fixed 1.99% 4.50%
FIXED FLEX RATES
Term Interest Rate LTV APR Payment Per $1,000
5 Years 4.50% 80% 4.50% $18.64
10 Years 5.50% 80% 5.50% $10.85
15 Years 6.50% 80% 6.50% $8.71
Property must be owner-occupied as year-round residence. Hazard insurance is required. Flood insurance may be required. Appraisal, inspection, or trust review fees may apply.
*The initial rate may be discounted. The Annual Percentage Rate (APR) is subject to increase and is based on an index, which is the Wall Street Journal Prime. The maximum APR is 18%. The minimum APR is 4.5%.
**After the inital fixed term, the rate will go to Prime minus .50%, with a floor of 4.50%.
Fixed portion can be locked for terms of 1 to 15 years with annual percentage rates of 4.50% to 6.50%. A maximum of three fixed portions are available simultaneously.
AUTO LOANS
Credit Score 730+ 680 – 729 660 – 679
Term
(in months)
Rate / APR Payment Per $1,000 Rate / APR Payment Per $1,000 Rate / APR Payment Per $1,000
24 2.49% / 2.49% $42.76 2.99% / 2.99% $42.98 7.49% / 7.49% $45.00
36 2.49% / 2.49% $28.86 2.99% / 2.99% $29.08 7.49% / 7.49% $31.10
48 2.49% / 2.49% $21.91 2.99% / 2.99% $22.13 7.49% / 7.49% $24.17
60 2.49% / 2.49% $17.74 2.99% / 2.99% $17.96 7.99% / 7.99% $20.27
Subject to underwriting guidelines. Minimum 5% down payment (cash or trade). Not to exceed 95% of NADA Retail Value.
OTHER LOANS
Loan Type Interest Rate and APR Other
ELOC (Easy Line of Credit Overdraft Protection)
  • Prime + 5.00%
  • Minimum monthly payment must be automatically deducted from a Rollstone Bank & Trust checking account.
  • Minimum $500
  • Maximum $3,000
Secured Loans (RBT deposit account as collateral) Savings or CD Rate + 3.00% Loan may not exceed 100% of savings or CD value.

NMLS #769125

Deposit Account Rates

Rates effective July 19, 2017

CERTIFICATE SPECIALS Interest Rate APY*
5 Month Special 1.00% 1.00%
13 Month Special 1.19% 1.20%
23 Month Special 1.24% 1.25%
5 Month: $1,000 minimum to open; must be new money. Regular certificate only. 13 and 23 Month: $100 minimum to open. Regular and Retirement. All terms: Less than minimum balance earns no interest. Early withdrawal penalty may be imposed on certificates.
ALL-IN-ONE CHECKING Interest Rate APY*
Over $25,000 (if requirements are met) .20% .20%
$0 – $25,000 (additional rewards rate, if requirements are met) .95% .95%
$0 and up .05% .05%
$100 minimum to open. Variable rate account. The rate may change after the account is opened. Personal accounts only.
PRIME SAVER Interest Rate APY*
$60,000 and over .20% .20%
$10,000 – $59,999 .10% .10%
$100 – $9,999 .05% .05%
$2,500 minimum to open. Below $100 earns no interest. The rate may change after the account is opened. Presidential Checking Account is required.
MONEY MARKET Interest Rate APY*
$60,000 and over .20% .20%
$2,500 – $59,999 .10% .10%
$2,500 minimum to open. Less than minimum earns NOW rate. Less than $100 earns no interest. The rate may change after the account is opened. Presidential Checking Account is required.
FIXED RATE CERTIFICATES Interest Rate APY*
3 Months .20% .20%
6 Months .35% .35%
12 – 17 Month .70% .70%
18 – 36 Month .75% .75%
37 – 47 Month .95% .95%
48 – 60 Month .95% .95%
$1,000 minimum to open 3 or 6 month certificate. $100 minimum to open 12 – 60 month certificate. Less than minimum balance earns no interest. Early withdrawal penalty may be imposed on certificates. 3 and 6 month term are not available as retirement certificates.
VARIABLE RATE CERTIFICATES 9 Month Smart Saver IRA – 7 Month
9 mo. regular or retirement, 7 mo. retirement only Interest Rate APY* Interest Rate APY*
$60,000 and over 1.06% 1.07% .90% .90%
Minimum – $59,999 1.05% 1.06% .90% .90%
$100 minimum to open. Less than minimum balance earns no interest. Variable rate account. The rate may change after the account is opened. Maturity: 7 or 9 months from initial or last deposit. Early withdrawal penalty may be imposed on certificates.
SAVINGS ACCOUNTS, including iSave for Kids and Club Accounts Interest Rate APY*
$60,000 and over .20% .20%
$30,000 – $59,999 .10% .10%
Minimum – $29,999 .05% .05%
$10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened.
Interest Rate APY*
NOW ACCOUNTS .03% .03%
$100 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened.
COMMERCIAL MONEY MARKET Interest Rate APY*
$1,000,000 and over .30% .30%
$500,000 – $999,999 .20% .20%
$2,500 – $499,999 .10% .10%
$2,500 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened.

*APY = Annual Percentage Yield

All rates subject to change.

Transfers from a Money Market or Savings Account to another account or to third parties by pre-authorized, automatic, telephone or computer transfer, debit card or similar order to third parties are limited to six per month.