Rates

CD SPECIAL! - 5.00% APY for 8 months!

CALL YOUR LOCAL BRANCH OFFICE FOR MORE INFORMATION.


DEPOSIT RATES

The Annual Percentage Yield is disclosed below as the APY.

The Annual Percentage Yields shown below are accurate as of February 12, 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

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
4.89% 5.00%
9 Months
$1,500
0.10% 0.10%
10 Months
$1,500
0.15% 0.15%
11 Months
$1,500
0.15% 0.15%
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 0.20% 0.20%
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 4.89% 5.00%
9 Months $500 0.10% 0.10%
10 Months $500 0.15% 0.15%
11 Months $500 0.15% 0.15%
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 0.20% 0.20%
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%




Non-Personal Interest Checking 



Minimum Balance Required to Earn APY

Rate

APY

$0.01

0.10%
0.10%


LOANS


APR=Annual Percentage Rate

The Annual Percentage Rates shown below are accurate as of February 6, 2024 and are subject to change thereafter.

Consult a tax adviser for the deductibility of interest.


Residential Mortgages

Click for Current Rates


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 - $5,000 14.50%




Personal Loans

Term Amount APR
2 Years $500 - $1,500 15.25%
2 Years $1,501 - $3,000 14.25%
3 Years $3,001 - $4,999 14.00%
4 Years $5,000 - $25,000 12.99%
5 Years $5,000 - $25,000 12.99%

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 February 9, 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. **


For more information, contact us at 302-658-6881
or stop by any branch office.
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