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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*
NOW Checking




$1,000 - $9,999.99
0.01%
0.01%

$10,000 & Above
0.05%
0.05%
Gold Money Market



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

$2,500 - $24,999.99 0.10%
0.10%

$25,000 - $99,999.99 0.10% 0.10%

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

$250,000 & Above 0.15% 0.15%
Hope Select Plus



$0 - $999.99 0.00%
0.00%

$1,000 - $9.999.99 0.01%
0.01%

$10,000 & Above 0.05%
0.05%


Personal Savings

 
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Product
Interest Rate Paid APY*
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 NOVEMBER 1, 2018.

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


REWARD ACCOUNTS

[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. 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.

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
  • 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
 

Promotional Certificates of Deposit (CDs)

 
Product Interest Rate Paid APY*
13 Month CD Special [1]
2.03%
2.05%
26 Month CD Special [1]
2.39%
2.41%
39 Month CD Special [1] 2.58%
2.61%
39 Month Risk-Free CD Special [2] 2.48% 2.50%



Certificates of Deposit (CDs)

 
Product Interest Rate Paid APY*
3 Month
0.15%
0.15%
6 Month
0.30%
0.30%
12 Month
0.32%
0.32%
18 Month
0.36%
0.36%
24 Month
0.38%
0.38%
30 Month
0.45%
0.45%
36 Month
0.53%
0.53%
36 Month Risk-Free [3]
0.53% 0.53%
48 Month 0.70% 0.70%
48 Month Risk-Free [3] 0.70% 0.70%
60 Month 1.05% 1.05%
60 Month Risk-Free [3] 1.05% 1.05%


Individual Retirement Accounts

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

RATES EFFECTIVE AS OF NOVEMBER 1, 2018.

*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] $500 minimum deposit required to open and earn APY.

[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.

[3] $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.

 

Personal Loans

 
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Product Annual Percentage
Rate (APR)*
Min./Max. Loan
Amount
Payments/$1,000
Borrowed
Auto Loans (2018 - 2019)


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 (2015 - 2017)


48 Months 7.74% 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 Wall Street
Journal Prime
n/a
36 Months First Hope
Bank Prime
n/a


Home Loans

 
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Product Annual Percentage
Rate (APR)*
Minimum Loan
Amount
Payments/$1,000
Borrowed
Home Equity Fixed


Up to 60 Months 3.99% Biweekly
4.12% Monthly
$10,000
$10,000
$9.21 Biweekly
$18.47 Monthly
61 - 120 Months 4.12% Biweekly
4.26% Monthly
$10,000
$10,000
$5.09 Biweekly
$10.25 Monthly
121 - 180 Months 4.26% Biweekly
4.49% Monthly
$10,000
$10,000
$3.76 Biweekly
$7.64 Monthly
181 - 240 Months 4.625% Biweekly
4.99% Monthly
$10,000
$10,000
$3.20 Biweekly
$6.59 Monthly
Home Equity Line of Credit


10 year interest only draw
period w/20 year payback

2.74% 12-month intro*

$10,000

RATES EFFECTIVE AS OF NOVEMBER 1, 2018.

Rates subject to change without notice. For current information, please call 908-459-4121.


PERSONAL LOANS

Auto Loans: 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.

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

Biweekly payments must be automatically drafted from a First Hope Bank account. Loan to value (LTV) on 5-15 year terms up to 80% of appraised value, less any 1st mortgage balance. LTV on 20 year term up to 75% of appraised value, less any 1st mortgage balance. First and second liens only. Max loan amount is $500,000 for first lien/$350,000 for second lien. Loans above $100,000 may be subject to a full appraisal at the customer’s expense. Loans $350,000 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. New loans only. 0.50% increase if no new money.


HOME EQUITY LINE OF CREDIT

New Lines Only: Offer does not apply to refinances of existing First Hope Bank Hope Equity Lines of Credit. *Introductory 2.74% APR (Annual Percentage Rate) is fixed for one year and variable thereafter. Variable APR equal to Wall Street Journal Prime (currently 5.25%) 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. Based on home’s equity, you can borrow up to 70% of its appraised value less any first mortgage balance on the property. Max Home Equity Credit Line amount is $500,000 for 1st liens and $350,000 for 2nd liens. Loans above $100,000 may be subject to a full appraisal at the customer’s expense. Loans $350,000 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. New lines only. Offer does not apply to refinances of existing First Hope Bank Hope Equity lines of Credit.


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