Rates
CD SPECIAL! - 5.00% APY for 11 months!CALL YOUR LOCAL BRANCH OFFICE FOR MORE INFORMATION. |
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DEPOSIT RATES
The Annual Percentage Yield is disclosed below as the APY.
The Annual Percentage Yields shown below are accurate as of April 18, 2024 and are subject to change thereafter.
Fees may reduce earnings.
Health Savings Accounts
Minimum Balance Required to Earn APY |
Rate |
APY |
| $0.01 | 0.10% | 0.10% |
Premier Yield
Minimum Balance Required to Earn APY |
Rate |
APY |
| $125,000 & Up | 0.30% | 0.30% |
| $75,000 - $124,999.99 | 0.10% | 0.10% |
| $25,000 - $74,999.99 | 0.10% | 0.10% |
| $10,000 - $24,999.99 | 0.10% | 0.10% |
| $5,000 - $9,999 | 0.10% | 0.10% |
| Under $5,000 | 0.10% | 0.10% |
Statement Savings
Minimum Balance Required to Earn APY |
Rate |
APY |
| $50 | 0.10% | 0.10% |
Holiday Club
Minimum Balance Required to Earn APY(Rate applies to the entire balance.)
|
Rate |
APY |
| $25,000 & Up | 0.03% | 0.03% |
| $10.00 - $24,999.99 | 0.15% | 0.15% |
Premier Money Market
Minimum Balance Required to Earn APY |
Rate |
APY |
| $100,000 & Up | 2.47% | 2.50% |
| $75,000 - $99,999.99 | 2.47% | 2.50% |
| $50,000 - $74,999.99 | 2.47% | 2.50% |
| $25,000 - $49,999.99 | 2.47% | 2.50% |
| $10,000 - $24,999.99 | 2.47% | 2.50% |
| $5,000 - $9,999.99 | 2.47% | 2.50% |
| Under $5,000 | 0.00% | 0.00% |
Money Market Statement
Minimum Balance Required to Earn APY |
Rate |
APY |
| $50 | 0.10% | 0.10% |
Fixed Rate CDs
Term
|
Minimum Balance to Open
|
Rate |
APY
|
| 91 Day | $1,500 | 0.05% | 0.05% |
| 6 Months | $1,500 | 0.05% | 0.05% |
| 8 Months |
$1,500 |
0.10% | 0.10% |
| 9 Months |
$1,500 |
0.10% | 0.10% |
| 10 Months |
$1,500 |
0.15% | 0.15% |
| 11 Months |
$1,500 |
4.89% | 5.00% |
| 12 Months |
$1,500 |
4.41% | 4.50% |
| 13 Months |
$1,500 |
0.15% | 0.15% |
| 14 Months | $1,500 |
0.15% | 0.15% |
| 15 Months | $1,500 |
0.15% | 0.15% |
| 18 Months | $1,500 |
0.20% | 0.20% |
| 21 Months | $1,500 |
0.20% | 0.20% |
| 24 Months | $1,500 | 2.96% | 3.00% |
| 30 Months | $1,500 | 0.20% | 0.20% |
| 36 Months | $1,500 | 0.20% | 0.20% |
| 48 Months | $1,500 | 0.20% | 0.20% |
| 54 Months | $1,500 | 0.20% | 0.20% |
| 60 Months | $1,500 | 0.25% | 0.25% |
A penalty may be incurred for early withdrawal.
Fixed Rate IRAs
Term |
Minimum Balance to Open |
Rate |
APY |
| 6 Months | $500 | 0.05% | 0.05% |
| 8 Months | $500 | 0.10% | 0.10% |
| 9 Months | $500 | 0.10% | 0.10% |
| 10 Months | $500 | 0.15% | 0.15% |
| 11 Months | $500 | 4.89% | 5.00% |
| 12 Months | $500 | 4.41% | 4.50% |
| 13 Months | $500 | 0.15% | 0.15% |
| 14 Months | $500 | 0.15% | 0.15% |
| 15 Months | $500 | 0.15% | 0.15% |
| 18 Months | $500 | 0.20% | 0.20% |
| 21 Months | $500 | 0.20% | 0.20% |
| 24 Months | $500 | 2.96% | 3.00% |
| 30 Months | $500 | 0.20% | 0.20% |
| 36 Months | $500 | 0.20% | 0.20% |
| 48 Months | $500 | 0.20% | 0.20% |
| 54 Months | $500 | 0.20% | 0.20% |
| 60 Months |
$500 |
0.25% | 0.25% |
A penalty may be incurred for early withdrawal.
Variable Rate IRAs
Term |
Minimum Balance to Open |
Rate |
APY |
| 1 Year Variable Rate IRA | $100 | 0.15% | 0.15% |
The rate may change after the account is opened.
A penalty may be incurred for early withdrawal.
Interest Rewards Checking
Minimum Balance Required to Earn APY |
Rate |
APY |
| $0.01 - $25,000 | 2.46% | 2.50% |
| Over $25,000 | 0.10% | 0.10% |
| Base Rate if Requirements Not Met | 0.10% | 0.10% |
Premier Interest Checking
Minimum Balance Required to Earn APY |
Rate |
APY |
| $100,000 & Up | 0.30% | 0.30% |
| $50,000 - $99,999.99 | 0.10% | 0.10% |
| $25,000 - $49,999.99 | 0.10% | 0.10% |
| $10,000 - $24,999.99 | 0.10% | 0.10% |
| $5,000 - $9,999.99 | 0.10% | 0.10% |
| $50 - $4,999.99 | 0.10% | 0.10% |
Business Interest Checking & Non-Profit
Minimum Balance Required to Earn APY |
Rate |
APY |
| $500,000 & Up | 0.10% | 0.10% |
| $250,000 - $499,999.99 | 0.05% | 0.05% |
| $200,000 - $249,999.99 | 0.05% | 0.05% |
| $150,000 - $199,999.99 | 0.05% | 0.05% |
| $100,000 - $149,999.99 | 0.05% | 0.05% |
| Under $100,000 | 0.00% | 0.00% |
IOLTA Checking
Minimum Balance Required to Earn APY |
Rate |
APY |
| $0.01 | 2.99% | 3.03% |
Business Money Market
Minimum Balance Required to Earn APY |
Rate |
APY |
| $250,000 & Up | 2.47% | 2.50% |
| $100,000 - $249,999.99 | 2.47% | 2.50% |
| $50,000 - $99,999.99 | 2.47% | 2.50% |
| $25,000 - $49,999.99 | 2.47% | 2.50% |
| Under $25,000 | 2.47% | 2.50% |
Business Statement Savings
Minimum Balance Required to Earn APY |
Rate |
APY |
| $50 | 0.10% | 0.10% |
|
||
|
Rate |
APY |
|
0.10% |
|
LOANS
APR=Annual Percentage Rate
The Annual Percentage Rates shown below are accurate as of April 18, 2024 and are subject to change thereafter.
Consult a tax adviser for the deductibility of interest.
Residential Mortgages
Home Equity Loans
Term |
Minimum Loan Amount |
Loan to Value Ratio |
APR |
| 5 Year Fixed | $10,000 | Up to 80% | 7.25% |
| 10 Year Fixed | $10,000 | Up to 80% | 7.45% |
| 15 Year Fixed | $10,000 | Up to 80% | 7.95% |
Home Equity Lines of Credit
Product |
Loan to Value Ratio |
APR |
| Home Equity Line of Credit |
Up to 80% | 8.50% |
|
Home Equity Line of Credit
with the Auto-Pay Discount from an Artisans' Bank Account**
|
Up to 80% | 8.25% |
Unsecured Lines of Credit |
|
|
|---|---|---|
| Product | Line Amounts | Variable APR |
| Overdraft Line of Credit | $500 - $5,000 | 14.50% |
| Personal Line of Credit | $500 - $15,000 | 14.50% |
Personal Loans
| Term | Amount | APR |
| 2 Years | $500.00 - $3,000.00 | 14.00% |
| 3 Years | $3,000.01 - $5,000.00 | 14.00% |
| 4 Years | $5,000.01 - $25,000.00 | 14.00% |
| 5 Years | $5,000.01 - $25,000.00 | 14.00% |
HELOC Line of Credit Discount Disclaimer
** This interest rate is variable and may change each month, based on the Wall Street Journal Prime as appearing on the first day of each month. As of April 18, 2024, the Prime rate was 8.50% APR. The APR shown reflects a 0.25% discount for automatic payments from an Artisans' Bank account. If automatic payment is discontinued, you will no longer receive an automatic payment discount. The maximum APR over the life of the loan will never exceed 18% APR. Interest begins to accrue on the business date a draw is made against the credit line and is posted to the account.
For HELOC amounts over $250,000, an appraisal fee of up to $550 is required. No fees for Home Equity Lines of Credit $250,000 and under.
Home Equity Lines of Credit are established for a ten-year draw period. Rates listed are for single-family primary or secondary owner-occupied residences, with a loan-to-value ratio not exceeding 80%. Minimum payments are interest only. No fees are charged for repayment of loan principal. If only the minimum required monthly interest payments under the HELOC plan are made, these payments will NOT be sufficient to repay the debt and the remaining loan principal and any interest due will be due and payable at the end of the ten-year draw term.
Offer of credit is subject to credit approval. Renewals of the HELOC are not guaranteed. Homeowner's insurance is required to be maintained. Flood insurance may also be required, depending on the property. Consult your tax adviser regarding the possible deductions of interest. For a detailed HELOC Plan disclosure, please contact our Consumer Lending Department at 302-658-6881, please select option#5. **
