Deposit and Loan Rates


Kasasa Rates
Deposit Rates
Personal Loan Rates
Residential Mortgage Loan Rates
Auto Loan Rates

Deposit Rates

05/25/2016

Rates are subject to change without notice.

Kasasa Cash*

Balance
Interest Rate
APY*
Minimum Deposit

$0 – $25,000
1.98%
2.00%
$50

Balances over $25,000
0.25%
0.60% – 2.00%
$50

All balances if qualifications not met
0.05%
0.05%
$50

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
  • Have at least 12 debit card purchases posted and settled
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking
If you don’t qualify for the month, don’t worry! There’s no monthly service fee, and you can get back to earning our really high rate the very next qualification cycle!
*APY = Annual Percentage Yield

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Kasasa Saver*

Balance
Interest Rate
APY*
Minimum Deposit

$0 – $50,000
1.00%
1.00%
$50

Balances over $50,000
0.25%
0.25% – 1.00%
$50

All balances if qualifications not met
0.05%
0.05%
$50

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back checking account each monthly qualification cycle:

  • Have at least 12 debit card purchases posted and settled
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking
If you don’t qualify for the month, don’t worry! There’s no monthly service fee, and you can get back to earning our really high rate the very next qualification cycle!
That’s it. If you don’t qualify for the month, it’s no big deal. Your savings will still earn 0.05% APY*, and you can get right back to earning a higher rate the very next month!
*APY = Annual Percentage Yield

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Certificate of Deposit and IRA – Interest Rates

Term
Minimum Deposit
CDs Rate
CDs APY*
IRAs Rate
IRAs APY*
Compounding/
Crediting

10 Year
$2,000
1.99%
2.00%
1.99%
2.00%
Monthly

7 Year
$2,000
1.84%
1.85%
1.84%
1.85%
Monthly

5 Year
$2,000
1.64%
1.65%
1.64%
1.65%
Monthly

4 Year
$2,000
1.35%
1.35%
1.35%
1.35%
Monthly

3 Year
$2,000
1.25%
1.25%
1.25%
1.25%
Monthly

30 Month
$2,000
1.05%
1.05%
1.05%
1.05%
Monthly

2 Year
$2,000
0.95%
0.95%
0.95%
0.95%
Monthly

18 Month
$2,000
0.80%
0.80%
0.80%
0.80%
Monthly

12 Month
$2,000
0.65%
0.65%
0.65%
0.65%
Monthly

9 Month
$2,000
0.50%
0.50%
0.50%
0.50%
Monthly

6 Month
$2,000
0.40%
0.40%
0.40%
0.40%
Monthly

3 Month
$2,000
0.30%
0.30%
0.30%
0.30%
Monthly

*The minimum required to open this account and receive the APY is $2,000 of new money to Brentwood Bank.
CDs between $250.00 & $1,999.99 will renew at the comparable PassCard APY; CDs below $250.00 will earn 0%;
Penalties may be imposed for early withdrawal

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Savings Account – Interest Rates

Product
Minimum Deposit
Interest Rate
APY*
Compounding/
Crediting

Passcard Savings
$250
0.15%
0.15%
Monthly

Kids Looney Tunes Savings Club
$1
0.15%
0.15%
Monthly

Statement Savings
$250
0.15%
0.15%
Monthly

IRA Savings
$250
0.15%
0.15%
Monthly

Holiday Club Savings
$250
0.15%
0.15%
Monthly


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Checking Account – Interest Rates

Product
Minimum Deposit
Interest Rate
APY*
Compounding/
Crediting

High Interest Checking
$1
0.05%
0.05%
Monthly

 
$1,500
0.10%
0.10%
Monthly

Free Interest Checking
$1
0.05%
0.05%
Monthly

Legacy Checking
$1
0.10%
0.10%
Monthly

Money Market
$1
0.15%
0.15%
Monthly

 
$75,000
0.20%
0.20%
Monthly

Business Interest Checking
$1
0.05%
0.05%
Monthly

 
$1,500
0.10%
0.10%
Monthly

 
$25,000
0.10%
0.10%
Monthly

*Annual Percentage Yield.

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Loan Rates

Rates and Terms are subject to change without notice.

Home Equity Term Loan – Interest Rates

Term
Interest Rate
Per $1,000
APR*

36 Months
2.490%
$28.86
2.490%

60 Months
2.990%
$17.96
2.990%

84 Months
3.490%
$13.44
3.490%

120 Months
3.990%
$10.12
3.990%

180 Months
4.375%
$7.59
4.375%

Appraisal Fee of $50 to $425 may be required.
*APR (Annual Percentage Rate) and requires a minimum loan of $10,000 with a maximum loan to value of 90%
Above rates are not available for the refinance or modification of an existing Brentwood Bank loan or mortgage.

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Home Equity Line of Credit – Interest Rates

Interest Rate
Payments
APR*
 

4.50%
Monthly/interest only
4.50%

Appraisal Fee of $50 to $425 may be required.
Rate fixed at time of closing for term of the loan.
Five year draw down period.
APR (Annual Percentage Rate) and requires a minimum loan of $10,000 with a maximum loan to value of 90%.
Any amount outstanding at the end of the draw period is required to be paid in a single payment.
Above rates are not available for the refinance or modification of an existing Brentwood Bank loan or mortgage. Variable rate also available.  Call for details.

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Unsecured Loans – Interest Rates

Term
Interest Rate
Per $1,000
APR*

36 Months
9.990%
$32.26
9.990%

48 Months
9.990%
$25.36
9.990%

60 Months
9.990%
$21.24
9.990%

*APR (Annual Percentage Rate); minimum loan amount $1,000.
Above rates are not available for the refinance or modification of an existing Brentwood Bank loan or mortgage.

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Residential Mortgage Loans

Rates and Terms are subject to change without notice.

Conventional Single Family Owner-Occupied – Interest Rates

Term
Interest Rate
Points
Per $1,000
APR*

30 Year
3.500%
+1
$4.49
3.66%

 
3.625%
+0
$4.56
3.71%

25 Year
3.500%
+1
$5.01
3.69%

 
3.625%
+0
$5.07
3.72%

20 Year
3.250%
+1
$5.67
3.48%

 
3.375%
+0
$5.74
3.49%

15 Year
2.875%
+1
$6.85
3.17%

 
3.000%
+0
$6.91
3.15%

10 Year
2.875%
+1
$9.60
3.30%

 
3.000%
+0
$9.66
3.21%

Above rates are not available for the refinance or modification of an existing Brentwood Bank loan or mortgage.
* APR (Annual Percentage Rate) based on $100,000  loan amount and 15 days prepaid interest with a maximum loan to value of 80%.  Higher loan to values wil require private mortgage insurance.
Mortgages over $417,000 call for rate.
Payments do not include amounts for taxes and insurance premiums. Your actual payment will be greater.

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Adjustable Rate Mortgage – Interest Rates

First Payment Term
Remaining Term Adjustment
Initial Rate
Points
APR*
Remaining Term Adjustment*

1 Year
Annually
2.250%
0
3.287%
Index + 2.75*

3 Year
Annually
2.750%
0
3.250%
Index + 2.75*

5 Year
Annually
2.990%
0
3.266%
Index + 2.75*

*APR (Annual Percentage Rate) based on $100,000 loan amount and 15 days prepaid interest with maximum loan to value of 80%.  Higher loan to values will require private mortage insurance.
The index on which your rate will adjust is the weekly average yield on US Treasury Securities adjusted to a constant maturity of 1 year as made available by the Federal Reserve Board.
The index value as of 04/29/2016 is 0.58%.
Rates Based on a 30 Year Amortization Schedule.
Above rates are not available for the refinance or modification of an existing Brentwood Bank loan or mortgage.
Mortgages over $417,000 call for rate.

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Auto Loans

Rates and Terms are subject to change without notice.

Auto Loans – Interest Rates

 
Term
Rate
Payment Per $1000/month
 
APR*

New
36 Months
3.250%
$29.19
 
3.250%

 
48 Months
3.250%
$22.24
 
3.250%

 
60 Months
3.250%
$18.08
 
3.250%

Used 2013-2016
36 Months
3.490%
$29.30
 
3.490%

 
48 Months
3.490%
$22.35
 
3.490%

 
60 Months
3.490%
$18.19
 
3.490%

*APR (Annual Percentage Rate) based on $25,000 loan amount with a maximum loan to value of 90%.
Minimum loan amount is $10,000.

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All advertised rates subject to change without notice.