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Personal Checking


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Product Balance Interest Rate Paid APY*
Kasasa Cash



$0 - $10,000.00 1.49% 1.50%

$10,000.01 & Above
0.25%
1.50% - 0.36%

Qualifications Not Met
0.02%
0.02%
NOW Checking




$1,000.00 - $9,999.99
0.01%
0.01%

$10,000.00 & Above
0.05%
0.05%
Gold Money Market


$0 - $2,499.99 0.00%
0.00%
$2,500.00 & Above 0.10%
0.10%
Hope Select Plus


$0 - $999.99 0.00%
0.00%
$1,000.00 - $9.999.99 0.01%
0.01%
$10,000.00 & Above 0.05%
0.05%


Personal Savings


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Product Balance Interest Rate Paid APY*
Kasasa Saver



$0 - $10,000.00
0.75% 0.75%

$10,000.01 & Above
0.25%
0.75% - 0.30%

Qualifications Not Met
0.02%
0.02%
Statement Savings
0.05% 0.05%
KIDS Savings
0.20% 0.20%
Holiday Club
0.15% 0.15%
Hopes & Dreams Club
0.25% 0.25%

Rates effective as of February 1, 2017

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


To earn Kasasa 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

Certificates of Deposit


Product Interest Rate Paid APY*
3 Months
0.10%
0.10%
6 Months
0.20%
0.20%
7 Months
0.25%
0.25%
12 Months
0.22%
0.22%
18 Months
0.31%
0.31%
24 Months
0.33%
0.33%
30 Months
0.35%
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%
26 Months CD Special
*New Money Only, $500 Min Deposit
1.24% 1.25%


Individual Retirement Accounts


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

Rates effective as of February 1, 2017 

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

Personal Loans


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Product Rate Min. / Max. Loan
Amount
Payments / $1,000
Borrowed
Auto Loans (2016 - 2017)


48 Months 6.49% AD n/a $23.71
60 Months 6.74% AD n/a $19.68
72 Months 6.99% AD n/a $17.04
Auto Loans (2013 - 2015)
48 Months 7.74% AD n/a $24.29
Hope Prime Advantage
Revolving 12.00%

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

$42.00
CD Secured
Maturity of CD 3.00% over CD Rate n/a
Savings Secured
12- 24 Months WSJP n/a
36 Months FHBP n/a

Home Loans


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Product Rate Minimum Loan
Amount
Payments / $1,000
Borrowed
Home Equity Fixed


Up to 60 Months 3.50% $10,000 $18.19 / month
61 - 120 Months 3.94% $10,000 $10.10 / month
121 - 180 Months 4.45% $10,000 $7.62 / month
181 - 240 Months 4.95% $10,000 $6.57 / month
Home Equity Line of Credit

10 year interest only draw
period w/20 year payback

2.49% 12 month
intro rate, then as
low as 3.99% for
remainder

$10,000 n/a

Rates effective as of February 1, 2017 

* Rates are subject to change without notice. To obtain current information, please call 908-459-4121.


Personal Loans:

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 First Hope Bank Account

Hope Prime Advantage: 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.

CD Secured Loans: Upon maturity to be re-written at current market rate



Home Equity Fixed:

All rates 1st or 2nd lien position - New money only (0.50% increase if no new money).

The Annual Percentage Rate (APR) 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 year term: Loan to value (LTV) up to 80% of appraised value less any 1st mortgage balance.

For 20 year 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 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.

There is a $60 non-refundable application fee due upon your acceptance of the Loan Estimate and a recording fee which varies from state to state and county to county and may be paid at closing.



Home Equity Line of Credit:

LTV up to 70% of appraised value less any 1st mortgage balance.

The introductory 2.49% 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 (WSJP), as the index, less a margin of 101 basis points, with a minimum APR of 3.99% and maximum APR of 16.00%. Currently WSJP is 3.75%.

All Home Equity Credit Lines above $100,000 are subject to a 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.

There is a $60 non-refundable application fee due at the time of application and a recording fee which varies from state to state and county to county and may be paid at closing.


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