Monthly payments required on all mortgage loans. Payment does not include taxes and insurance and actual payments will be higher.

All loans subject to credit approval; this is not a commitment to lend. Terms and conditions apply. Programs, rates, terms and conditions are subject to change without notice.

Fees displayed on the summary page only include lender fees and discount points. Discount points are upfront fees paid to obtain a lower interest rate. One point equals one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000). For an estimate of all fees, including third party fees, click the ?fees? link for each option.

Government program (VA, FHA, USDA) guarantee or funding fees are financed into your loan amount, and will therefore not be shown as a separate fee in the fee details section.

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Bring your business peace of mind.

Enjoy added protection for those large business assets. Certificate of Deposit Account Registry Service (CDARS) and Insured Cash Sweep (ICS) bring your business peace of mind with multi-million-dollar FDIC insurance. Your company can enjoy one of these services or a combination of services offering returns and access to the funds you seek — but with robust FDIC insurance.


  • Peace of mind associated with access to multi-million-dollar FDIC insurance
  • Ability to earn CD-level returns
  • The convenience of working directly with a single institution
  • Satisfaction of putting your funds to work in the local community

Institutions like ours that offer CDARS and ICS are members of a special network. When we place your deposit through the CDARS or ICS service, that deposit is divided into amounts under the standard FDIC insurance maximum of $250,000. The amounts are then placed in CD’s (using CDARS) or money market deposit accounts (using ICS) at multiple banks. As a result, you can access coverage from many institutions while working directly with just one. You receive one monthly statement from our bank for each service in which you participate. As always, your confidential information is protected.

  1. Set up your account with us, and sign a CDARS Deposit Placement Agreement and custodial agreement.

  2. Agree to an interest rate with us for the CD maturity selected. We will ask you how you would like your interest to be paid––month-end, quarter-end, semi-annually, year-end, or at maturity––as well as whether interest proceeds should be paid directly to you or placed into your account with us.

  3. Make your deposit. We will place your funds through CDARS into multiple CDs, each in an amount under the standard FDIC insurance maximum ($250,000), at other CDARS Network institutions so that both principal and interest are eligible for FDIC coverage. When your CDs are issued, you will receive notification from us confirming your deposits.

You will receive a monthly statement that lists all of your CDs, maturity dates, issuers, interest earned, and other details. Our bank is the only bank you will need to deal with for all CDARS- and ICS- related services, including deposits, reinvestments, withdrawals, and statements. In addition to your monthly statements, you will receive a single year-end 1099 that reports your taxable income (certain investors).