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Reward Accounts

 
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Product Reward [1]

Kasasa Cash®

  • 1.50% APY* paid on balances up to $10,000
  • Reimbursement on Domestic ATM fees up to $25 per month
Kasasa Cash Back®
  • 3% Cash Back on debit card purchases up to $200
  • Reimbursement on Domestic ATM fees up to $25 per month
Kasasa Saver®
  • 0.75% APY* paid on balances up to $10,000
Student Checking
  • Reimbursement on Domestic ATM fees up to $12.50 per month


Personal Checking

 
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Product Balance Interest Rate Paid APY*
Gold Money Market



$0 - $999.99 0.00% 0.00%

$1,000 - $2,499.99 0.05%
0.05%

$2,500 - $24,999.99 0.08%
0.08%

$25,000 - $99,999.99 0.08% 0.08%

$100,000 - $249,999.99 0.15% 0.15%

$250,000 & Above 0.15% 0.15%
Premier Money Market [2]



$0 - $49,999.99 0.00% 0.00%

$50,000 & Above 1.00% 1.00%
Hope Select Plus



$0 - $999.99 0.00%
0.00%

$1,000 - $9.999.99 0.01%
0.01%

$10,000 & Above 0.03%
0.03%


Personal Savings

 
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Product
Interest Rate Paid APY*
Statement Savings
0.04% 0.04%
KIDS Savings
0.20% 0.20%
Holiday Club
0.15% 0.15%
Hopes & Dreams Club
0.25% 0.25%

RATES EFFECTIVE AS OF JUNE 5, 2020.

*APY=Annual Percentage Yield. Fees may reduce earnings. Rates are subject to change without notice. To obtain current information, please call 908-459-4121.

[1] Rewards are earned only if requirements and qualifications are met each monthly qualification cycle. "Monthly Qualification Cycle" is the period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Qualifying transactions must post and settle during qualification cycle. Transactions may take one or more banking days from the date of transaction to post and settle. ATM transactions do not qualify as debit card transactions. Kasasa Cash® balances over $10,000 earn an interest rate of 0.25% on the portion of the balance over $10,000, resulting in 1.50% - 0.36% APY depending on the balance. Interest earned may be less than the advertised APY. If qualifications are not met, all balances will earn 0.02% APY. Kasasa Cash Back® earns 3.00% Cash Back on debit card purchases up to $200 during each monthly qualification cycle (up to $6 Cash Back per qualifying cycle, $72 cash back per year). Student Checking is available only for ages 17-24. Domestic ATM fees incurred on Kasasa Cash® and Kasasa Cash Back® during qualification cycle up to $25 (up to $5 per single transaction) will be reimbursed and credited to the account on the last day of the monthly statement cycle. Domestic ATM fees incurred on Student Checking during qualification cycle up to $12.50 (up to $5 per single transaction) will be reimbursed and credited to the account on the last day of the monthly statement cycle. To qualify for Kasasa Cash® and Kasasa Cash Back® rewards each monthly qualification cycle, you must have at least 12 debit card purchases, enroll in and log in to Online Banking, and have at least 1 direct deposit or ACH payment or credit. To qualify for Student Checking rewards each monthly qualification cycle, you must enroll in and log in to Online Banking. eStatements are a requirement on all reward accounts. If requirements and qualifications are not met, we reserve the right to convert your account with proper notice. Fees may reduce earnings. Limit one account per Social Security Number. Personal accounts only. Minimum deposit at account opening may apply. Member FDIC. Contact a First Hope Bank associate for more information.

[2] Minimum deposit of $50,000 required to open account. Minimum balance of $50,000 required to earn APY. Rate is subject to change after account opening. New money only. Fees may reduce earnings. Offer is for a limited time and may be discontinued at any time.

 

Promotional Certificates of Deposit (CDs)

 
Product Interest Rate Paid APY*
13 Month CD Special [1]
0.80%
0.80%
23 Month CD Special [1]
0.80%
0.80%



Certificates of Deposit (CDs)

 
Product Interest Rate Paid APY*
3 Month
0.05%
0.05%
6 Month
0.20%
0.20%
12 Month
0.20%
0.20%
18 Month
0.30%
0.30%
24 Month
0.30%
0.30%
30 Month
0.40%
0.40%
36 Month
0.45%
0.45%
36 Month Risk-Free [2]
0.40% 0.40%
48 Month 0.60% 0.60%
48 Month Risk-Free [2] 0.55% 0.55%
60 Month 1.00% 1.00%
60 Month Risk-Free [2] 0.90% 0.90%


Individual Retirement Accounts

 
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Product Interest Rate Paid APY*
IRA Savings 0.10% 0.10%

RATES EFFECTIVE AS OF JUNE 5, 2020.

*APY=Annual Percentage Yield. Fees may reduce earnings. Rates are subject to change without notice. To obtain current information, please call 908-459-4121.

[1] $2,500 minimum deposit required to open and earn APY.

[2] $2,500 minimum deposit required to open and earn APY. New money only. You may withdraw up to 50% of your total deposit once during the lifetime of the CD, penalty free, except within 6 days after the date deposit. Penalties for each additional withdrawal will be incurred.

 

Home Loans

 
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Product Annual Percentage
Rate (APR)*
Payments/$1000
Borrowed
Product
Requirements
Home Equity Fixed
First Lien[1]



Up to 60 Months
2.75% Biweekly
2.95% Monthly
$8.93 Biweekly
$17.95 Monthly
Max 75% LTV [2]
Min. credit score of 660
61 - 120 Months
3.00% Biweekly
3.20% Monthly
$4.83 Biweekly
$9.75 Monthly
Max 75% LTV [2]
Min. credit score of 660
121 - 180 Months
3.125% Biweekly
3.375% Monthly
$3.48 Biweekly
$7.09 Monthly
Max 75% LTV [2]
Min. credit score of 660
181 - 240 Months
3.50% Biweekly
3.70% Monthly
$2.90 Biweekly
$5.90 Monthly
Max 70% LTV [3]
Min. credit score of 660
Home Equity Fixed
Second Lien[4]



Up to 60 Months
3.29% Biweekly
3.49% Monthly
$9.05 Biweekly
$18.19 Monthly
Max 70% CLTV [5]
Min. credit score of 680
61 - 120 Months
3.45% Biweekly
3.65% Monthly
$4.83 Biweekly
$9.96 Monthly
Max 70% CLTV [5]
Min. credit score of 680
121 - 180 Months
3.65% Biweekly
3.85% Monthly
$3.60 Biweekly
$7.32 Monthly
Max 70% CLTV [5]
Min. credit score of 680
181 - 240 Months
3.875% Biweekly
4.125% Monthly
$3.00 Biweekly
$6.13 Monthly
Max 65% CLTV [6]
Min. credit score of 680
Minimum loan amount is $10,000. Biweekly payments must be auto-debited from a First Hope Checking or Savings Account. [1] 9 months of assets to be provided for all terms. [2] Max loan-to-value (LTV) on 5-15 year terms is 75% of appraised value. [3] Max LTV on 20 year terms is 70% of appraised value. [4] 12 months of assets to be provided for all terms. [5] Max combined loan-to-value (CLTV) on 5-15 year terms is 70% of appraised value, less any first mortgage balance. [6] Max CLTV on 20 year term is 65% of appraised value, less any first mortgage balance. Property insurance required. Flood insurance may be required. Loan on 1-4 family owner occupied residence. Subject to credit approval. Rate subject to change without notice. First and second liens only. Max loan amount is $500,000 for first liens and $350,000 for second liens. Regulation requires a full appraisal on loans over $400,000 which will be at the customer’s expense. Loans $500,000 and above require Title Insurance in the amount of the loan at the customer’s expense. There is a $60 non-refundable application fee due upon your acceptance of the Loan Estimate. There is a recording fee which varies from state to state and county to county. Inquire to find out the amount of the applicable recording fees for NJ and PA properties. Higher fees may apply for PA residents.
 
 
 
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Product Annual Percentage
Rate (APR)*
Product
Requirements
Home Equity Line of Credit
First Lien[1]



10 year interest only draw
period with 20 year payback

2.25% 12 Month
Introductory Rate[2]

3.99% Non-Introductory
Variable Rate

Max 70% LTV[3]
Min. credit score of 660
Home Equity Line of Credit
Second Lien[4]



10 year interest only draw
period with 20 year payback

2.79% 14 Month
Introductory Rate[5]

3.99% Non-Introductory
Variable Rate

Max 65% CLTV[6]
Min. credit score of 680

Minimum loan amount is $10,000. [1] 9 months of assets to be provided. [2] Introductory 2.25% Annual Percentage Rate (APR) is fixed for 12 months and variable thereafter. [3] Max loan-to-value (LTV) is 70% of appraised value. [4] 12 months of assets to be provided. [5] Introductory 2.79% APR is fixed for 14 months and variable thereafter. [6] Max combined loan-to-value (CLTV) is 65% of appraised value, less any first mortgage balance. Variable APR equal to Wall Street Journal Prime (currently 3.25%) less a margin of 10 basis points, with a minimum APR of 3.99% and a maximum APR of 16.00%. Subject to change without notice. Subject to credit approval. Property insurance required. Flood insurance may be required. Loan on 1-4 family owner occupied residence. Regulation requires a full appraisal on loans over $400,000 which will be at the customer’s expense. Loans $500,000 and above require Title Insurance in the amount of the loan at the customer’s expense. There is a $60 non-refundable application fee due at the time of application. There is a recording fee which varies from state to state and county to county. Inquire to find out the amount of the applicable recording fees for NJ and PA properties. You may re-borrow the money at any time during the 10-year “draw period,” during which time monthly payments are interest only. After the 10-year “draw period,” the loan converts to a 20 year payout. The total length of the plan is 30 years. The minimum advance is $250. If the loan is paid off and closed prior to 30 months of the term, it will be subject to a 1% penalty of the original approved amount, unless the loan is refinanced into a First Hope Bank home equity fixed rate loan or mortgage. Max Home Equity Credit Line amount is $500,000 for first liens and $350,000 for second liens.

 


Personal Loans

 
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Product Annual Percentage
Rate (APR)*
Min./Max.
Loan Amount
Payments/$1,000
Borrowed
Auto Loans (2020) [1]



48 Months 6.49% n/a $23.71
60 Months 6.74% n/a $19.68
72 Months 6.99% n/a $17.04
Auto Loans (2016 - 2019) [1]



48 Months 7.74% n/a $24.29
Hope Prime Advantage [2]



Revolving 12.00%

$250/$2,500
or $5,000

$42.00
CD Secured [3]



Maturity of CD 3.00% over CD Rate n/a
Savings Secured



12-24 Months Wall Street Journal Prime n/a
36 Months First Hope Bank Prime n/a
[1] 0.50% increase if payment is not automatically drafted from First Hope Bank account. Max loan amount on new autos is 90% of purchase price/sticker price. Max loan amount on used autos is 80% of retail value.
[2] Credit scores of 680-720 eligible for $2,500 max, subject to additional underwriting. Credit scores of 721+ eligible for $5,000 max, subject to additional underwriting criteria. There is a $35 annual fee for this account.
[3] Upon maturity to be re-written at current market rate.

RATES EFFECTIVE AS OF JUNE 5, 2020.  Rates are subject to change without notice. For current information, please call 908-459-4121.


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