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Mortgage Rates

Conventional Mortgage Rates

Conforming - 30 Year Fixed Rate
Rate Points APR Lock Period Payment per Thousand
6.125%
0
6.198%
50 Days
$6.08
Conforming - 20 Year Fixed Rate
Rate Points APR Lock Period Payment per Thousand
5.875%
0
6.028%
50 Days
$7.09
Conforming - 15 Year Fixed Rate
Rate Points APR Lock Period Payment per Thousand
5.625%
0
5.813%
50 Days
$8.24
Conforming - 10 Year Fixed Rate
Rate Points APR Lock Period Payment per Thousand
5.625%
0
5.888%
50 Days
$10.91
Conforming - 10/1 Adjustable Rate
Rate Points APR Lock Period Payment per Thousand
6.000%
0
6.748%
50 Days
$6.00

Home Equity & Lines of Credit

Home Equity Loan - 20 Year Fixed Rate
Rate Points APR Lock Period Payment per Thousand
8.500%
0
8.703%
50 Days
$8.68
Home Equity Loan - 15 Year Fixed Rate
Rate Points APR Lock Period Payment per Thousand
8.250%
0
8.493%
50 Days
$9.70
Home Equity Line of Credit (HELOC)
APR APR (w/ Auto Pay) Lock Period Comments/Conditions:
8.250% Prime +.50%
7.750% Prime + 0.0%
55 Days
No minimum draw required at closing. APR subject to Prime rate. See important disclosures and assumptions.

Jumbo Mortgage Rates

Jumbo - 5/1 Adjustable Rate
Rate Points APR Lock Period Payment per Thousand
5.500%
0
6.968%
50 Days
$5.68
Jumbo - 10/1 Adjustable Rate
Rate Points APR Lock Period Payment per Thousand
6.000%
0
6.707%
50 Days
$6.00

See Important Disclosures, Assumptions and APR Information

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Consumer Loan Rates

Personal Loans

Rates effective September 26, 2022

Time Notes

Rates effective September 26, 2022

Deposit Rates

Savings

Rates effective March 22nd, 2023
* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Premier Savings

Rates effective March 22nd, 2023
Premier Savings
With a daily balance of What you get
Interest Rate APY*
$0.01 - 999.99 0.00% 0.00%
$1,000 - 24,999.99 0.10% 0.10%
$25,000 - 99,999.99 1.73% 1.74%
$100,000 - 249,999.99 2.96% 3.00%
$250,000 - 499,999.99 3.45% 3.50%
$500,000 - 999,999.99 3.45% 3.50%
$1,000,000 & up 3.45% 3.50%
* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Money Market

Rates effective March 22nd, 2023
Positively Different Money Market
With a daily balance of What you get
Interest Rate APY*
$0.01 - 14,999.99 0.50% 0.50%
$15,000 - 24,999.99 0.50% 0.50%
$25,000 - 49,999.99 0.50% 0.50%
$50,000 - 99,999.99 0.50% 0.50%
$100,000 - 249,999.99 0.50% 0.50%
$250,000 & up 0.50% 0.50%
* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Premier Money Market

Rates effective March 22nd, 2023
Premier Money Market
With a daily balance of What you get
Interest Rate APY*
$0.01 - 24,999.99 1.24% 1.25%
$25,000 - 99,999.99 1.24% 1.25%
$100,000 - 249,999.99 1.74% 1.75%
$250,000 - 499,999.99 2.72% 2.75%
$500,000 - 999,999.99 2.96% 3.00%
$1,000,000 & up 3.45% 3.50%
* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Direct Interest Checking

Rates effective March 22nd, 2023

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Premium Interest Checking

Rates effective March 22nd, 2023

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

50+ Interest Checking

Rates effective March 22nd, 2023

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Certificates of Deposit (CDs)

Rates effective March 22nd, 2023
CapeLife Account Customers, add 15 basis points (.15%) to any of our CD offers below. May not be combined with any other offers. * All rates and annual percentage yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Certificates of Deposit are subject to penalty for early withdrawal of principal. Cannot be combined with any other offers.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

CD Specials

Rates effective March 22nd, 2023
*For the 17 Month CD Special: Minimum opening deposit to earn stated APY is $25,000. Maximum deposit is $5,000,000. The initial interest rate will be fixed for the term of the CD; the interest rate may change for any subsequent renewal term. Offer is not eligible for CapeLife interest rate increase. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
* All rates and annual percentage yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Certificates of Deposit are subject to penalty for early withdrawal of principal. Cannot be combined with any other offers.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Business Account Rates

Money Market

Rates effective March 22nd, 2023
Positively Different Business Money Market
With a daily balance of What you get
Interest Rate APY*
$0.01 - 24,999.99 1.00% 1.00%
$25,000 - 99,999.99 1.24% 1.25%
$100,000 - 249,999.99 1.24% 1.25%
$250,000 - 499,999.99 1.98% 2.00%
$500,000 - 999,999.99 1.98% 2.00%
$1,000,000 & up 1.98% 2.00%
* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Non Profit Money Market

Rates effective March 22nd, 2023
Non Profit Money Market
With a daily balance of What you get
Interest Rate APY*
$0.01 - 24,999.99 3.45% 3.50%
$25,000 - 99,999.99 3.45% 3.50%
$100,000 - 249,999.99 3.45% 3.50%
$250,000 - 499,999.99 3.45% 3.50%
$500,000 - 999,999.99 3.45% 3.50%
$1,000,000 & up 3.45% 3.50%
* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $10,000 required to open account.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Business Checking

Rates effective March 22nd, 2023

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.

Business Savings

Rates effective March 22nd, 2023
* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account, except for Premier Savings Account which requires a minimum deposit of $1,000 to open.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.