Rates

Rates for deposit accounts effective as of June 1, 2015.

APY= Annual Percentage Yield. Fees may reduce earnings.

Rates for consumer loans effective as of June 1, 2015.


Deposit Rates

Kasasa CashInterest Rate Paid APY*
$0 - $10,0001.49%1.50%
$10,000.01 & Up0.25%1.50- 0.36%
Qualifications Not Met0.02%0.02%
Kasasa SaverInterest Rate Paid APY*
$0 - $10,0000.75%0.75%
$10,000.01 & Up0.25%0.75% - 0.30%
Qualifications Not Met0.02%0.02%

To earn rewards each monthly qualification cycle:

Have at least 10 debit card purchases post to and settle account

Be enrolled and receive eStatements

Have at least one direct deposit or automatic payment (ACH) post to and settle account

Now CheckingInterest Rate PaidAPY*
$1,000.00 - $9,999.990.01%0.01%
$10,000.00 & Above0.05%0.05%
Gold Money MarketInterest Rate PaidAPY*
$0 - $2,499.990.00%0.00%
$2,500.00 & Above0.10%0.10%
Select Plus AccountInterest Rate PaidAPY*
$0 - $999.990.00%0.00%
$1,000.00 - $9,999.990.01%0.01%
$10,000.00 & Above0.05%0.05%
Other ProductsInterest Rate PaidAPY*
IRA Savings0.10%0.10%
Personal Statement Savings0.05%0.05%
Kids Savings0.20%0.20%
Holiday Club0.15%0.15%
Hopes & Dreams Club0.25%0.25%
Business Statement Savings0.05%0.05%
Business Interest CheckingInterest Rate PaidAPY*
$0 - $2,499.990.00%0.00%
$2,500.00 & Above0.02%0.02%
Gold Business Money MarketInterest Rate PaidAPY*
$0 - $2,499.990.00%0.00%
$2,500.00 & Above0.10%0.10%
Certificates of Deposit (CD's)Interest Rate PaidAPY*
3 Months0.10%0.10%
6 Months0.20%0.20%
7 Months0.25%0.25%
12 Months0.22%0.22%
18 Months0.31%0.31%
24 Months0.33%0.33%
30 Months0.35%0.35%
36 Months
(including Risk Free CD)
0.43%0.43%
48 Months
(including Risk Free CD)
0.60%0.60%
60 Months
(including Risk Free CD)
0.95%0.95%

Home Loans

ProductMax TermRateMinimum Loan AmountPmt/$1,000 Borrowed
Home Equity Fixedup to 60 months3.45% $10,000$18.17/Month
61- 120 months3.70% $10,000$9.98/Month
121-180 months3.95% $10,000$7.37/Month
181-240 months4.95% $10,000$6.57/Month

All rates 1st or 2nd lien position - NEW $ ONLY (0.50% increase if no new $)

The APRs shown are for monthly payments. Biweekly payments will receive 0.20% discount. Biweekly payments must be automatically deducted from a First Hope Bank account.

For 5 - 15 yr term: LTV up to 80% of appraised value less any 1st mortgage balance.

For 20 yr term: LTV up to 75% of appraised value less any 1st mortgage balance.

All Terms: All Home Equity Fixed Loans above $100,000 are subject to a $350 full appraisal - at the customer's expense.

All Home Equity Fixed Loans $350,000 and above are subject to Title Insurance in the amount of the loan at the customer's expense.

Max Home Equity Fixed Loan amount is $500,000 for 1st liens and $350,000 for 2nd liens.

ProductMax TermRateMin/Max Loan AmountPmt/$1,000 Borrowed
Home Equity Line of Credit10 yr interest only draw period with 15 yr payback1.99% 12 month Intro Rate then 3.75% for Remainder of Line$10,000N/A

Loan to value (LTV) up to 70% of appraised value less any 1st mtg balance.

The introductory 1.99% APR is fixed for 12 months at the time of closing. After 12 months, the APR of the loan will be based on Wall Street Journal Prime, as the index, less a margin of 101 basis points, with a minimum APR of 3.75% and maximum APR of 16.00%. Currently Wall Street Journal Prime is 3.25%.

All Terms: All Home Equity Credit Lines above $100,000 are subject to a $350 full appraisal at the customer's expense.

All Home Equity Credit Lines $350,000 and above are subject to Title Insurance in the amount of the loan at the customer's expense.

Max Home Equity Credit Line amount is $500,000 for 1st liens and $350,000 for 2nd liens.

Personal Loans

ProductMax TermRateMin/Max Loan AmountPmt/$1,000 Borrowed
Auto Loans - 2014-201548 Months6.49% ADN/A$23.71
60 Months6.74% ADN/A$19.68
72 Months6.99% ADN/A$17.04
Auto Loans - 2011-201348 Months7.74% ADN/A$24.29
Hope Prime AdvantageRevolving12.00%$250/$2,500 or $5,000$42.00
CD SecuredMaturity of CD3.00% over CD rateN/A 
Savings Secured12-24 MonthsWSJPN/A 
36 MonthsFHBPN/A 

Credit scores of 680-720 eligible for $2,500 max, subject to add'l underwriting. Credit scores of 721+ eligible for $5,000 max, subject to add'l underwriting criteria.

Upon maturity to be re-written at current market rate

New autos: Loan up to 90% of purchase price/sticker price

Used autos: Loan up to 80% of retail value

All auto loans: Add 0.50% if payment is not auto-drafted from FHB Account