Deposit Rates
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Fixed Rate Mortgages1
As of May 9, 2025
| Term | Rate | APR3 | Example Payment |
|---|---|---|---|
| 30 years (servicing released), no points | 6.750% | 6.827% | 360 monthly payments @ $6.54 per $1,000 borrowed4 |
| 30 years (servicing retained), no points | 7.250%2 | 7.331% | 360 monthly payments @ $6.88 per $1,000 borrowed4 |
| 20 years (servicing retained), no points | 6.990%2 | 7.093% | 240 monthly payments @ $7.81 per $1,000 borrowed4 |
| 15 years (servicing retained), no points | 6.750%2 | 6.875% | 180 monthly payments @ $8.92 per $1,000 borrowed4 |
| 10 years (servicing retained), no points | 6.625%2 | 6.799% | 120 monthly payments @ $11.51 per $1,000 borrowed4 |
1Applies to one-to four-family, owner-occupied primary residences and second homes only. Not seeing the Mortgage product you’re interested in? We offer several other loan programs and rates, some with down payment options as low as 3%. Email us or call a loan officer to ask for advice at 1-877-722-6243. Rates are subject to change without notice (in-house portfolio options also available). Call for a quote. For details about our First-Time Homebuyer Programs, contact one of our loan officers.
2The displayed rate includes a 0.25% relationship discount. This discount applies to eligible loans that are set up with automatic payments from an SBSI deposit account (CD accounts excluded). Full discount details are provided in the Loan Options Disclosure.
3Annual percentage rate.
4These payments do not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater.
Adjustable Rate Mortgage (ARM)5
As of May 9, 2025
| Term | Rate | APR3 | Example Payment |
|---|---|---|---|
| 3/1 Year ARM: 16 to 30 years | 6.375% | 6.634% | 360 monthly payments @ $6.24 per $1,000 borrowed6 |
| 3/1 Year ARM: 15 years or less | 6.250% | 6.370% | 180 monthly payments @ $8.57 per $1,000 borrowed6 |
| 5/1 Year ARM: 16 to 30 years | 6.750% | 6.752% | 360 monthly payments @ $6.49 per $1,000 borrowed6 |
| 5/1 Year ARM: 15 yrs or less | 6.625% | 6.601% | 180 monthly payments @ $8.78 per $1,000 borrowed6 |
5Applies to one- to four-family, owner-occupied primary residences only. Interest rates on all ARM products can increase by up to 1.50% per change date. Over the life of the loan, the interest rate on all ARM products will never be less than 3.75% nor will it ever exceed a rate equal to the initial interest rate plus 4.00%. Other competitive rates and terms also available, including down payment options as low as 3%. Rates may increase after loan closes. Rates are subject to change without notice. Call for a quote.
6These payments do not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. Initial interest rates may be a premium or discounted rate and may not be based on the index and margin used to make later adjustments.
6These payments do not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. Initial interest rates may be a premium or discounted rate and may not be based on the index and margin used to make later adjustments.
Home Equity Line of Credit
As of May 9, 2025
| Term7 | Rate | APR3 |
|---|---|---|
| 20 yr term - 10 yr draw period (rate is fixed for first 2 years) | 7.50% | 7.50% |
7Rate adjusts monthly equal to the Prime Rate as published in the Wall Street Journal plus 0.50%. As of December 19, 2024, the Prime Rate is 7.50%. Maximum APR is 11.50%. Minimum APR is 3.95%. Property insurance will be required for this loan. You may be required to pay certain fees (such as a title search, title insurance and/or an appraisal of your home) to third parties. These fees generally total between $0 and $1,000. Pre-payment penalty of 1% of credit limit (max $1,000) if closed within 12 months of closing date. Interest rate quoted above is based on certain terms and conditions. Call for details.
Auto Loan Rates
As of May 9, 2025
| Term | Rate | APR3 | Example Payment |
|---|---|---|---|
| New (untitled) – 3 years | 5.875%2 | 6.522% | 36 monthly payments @ $30.66 per $1,000 borrowed |
| New (untitled) – 4 years | 6.125%2 | 6.622% | 48 monthly payments @ $23.77 per $1,000 borrowed |
| New (untitled) – 5 years | 6.375%2 | 6.780% | 60 monthly payments @ $16.67 per $1,000 borrowed |
| New (untitled) – 6 years | 6.625%2 | 6.969% | 72 monthly payments @ $17.04 per $1,000 borrowed |
| Used – 3 years (2022-2024) | 6.125%2 | 6.773% | 36 monthly payments @ $30.78 per $1,000 borrowed |
| Used – 4 years (2022-2024) | 6.375%2 | 6.873% | 48 monthly payments @ $23.89 per $1,000 borrowed |
| Used – 5 years (2022-2024) | 6.625%2 | 7.032% | 60 monthly payments @ $19.82 per $1,000 borrowed |
| Used – 3 years 2021 | 6.375%2 | 7.017% | 36 monthly payments @ $30.60 per $1,000 borrowed |
| Used – 3 years 2020 | 6.625%2 | 7.268% | 36 monthly payments @ $30.71 per $1,000 borrowed |
| Used – 3 years 2019 | 6.875%2 | 7.521% | 36 monthly payments @ $30.82 per $1,000 borrowed |
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