Interest Rates

9/16/2020
Rates are subject to change without notice.

Checking Rates

Personal Checking Accounts 1,2
Kasasa Cash4 $50 $0 - $25,000
Over $25,000
All balances if qualifications not met
1.05%
1.05% - 0.45%
0.05%
Legacy Checking $50 $1 0.10%
       
1 Rates may change after account is opened.
2 Fees may reduce earnings.
3 Annual Percentage Yields (APY) are based upon daily balance.
4 To earn rewards, simply perform 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 in and agree to receive eStatements
  •    Log in to online banking
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Savings Rates

Personal Savings Accounts 1,2
Statement Savings $50 $250 0.10%
Kasasa Saver4,5 $50 $0 - $50,000
Over $50,000
All balances if qualifications not met
0.50%
0.50% - 0.375%
0.05%
Passcard Savings $50 $250 0.10%
Holiday Club Savings $50 $250 0.10%
Kids Looney Tunes Savings Club $1 $50 0.10%
1 Rates may change after account is opened.
2 Fees may reduce earnings.
3 Annual Percentage Yields (APY) are based upon daily balance.
4 To earn rewards, simply perform 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 in and receive eStatements
  •    Log in to online banking
5 Must have Kasasa Cash or Kasasa Cash Back to enroll in Kasasa Saver.
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Money Market Rates

Money Market Accounts1,2
Premier Money Market $50 $1
$75,000
0.10%
0.15%
Choice Money Market4 $25,000 $25,000
$100,001
$250,001
0.20%
0.25%
0.30%
1 Rates may change after account is opened.
2 Fees may reduce earnings.
3 Annual Percentage Yields (APY) are based upon daily balance.
4 Requires $25,000 in new funds not currently on deposit at Brentwood Bank.
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Certificate of Deposit and IRA Rates

Certificate of Deposit and IRA 1,2
10 Year $2,000 1.00% 1.00%
7 Year $2,000 0.60% 0.60%
5 Year $2,000 0.50% 0.50%
4 Year $2,000 0.40% 0.40%
3 Year $2,000 0.35% 0.35%
30 Month $2,000 0.30% 0.30%
24 Month $2,000 0.30% 0.30%
18 Month $2,000 0.30% 0.30%
12 Month $2,000 0.25% 0.25%
9 Month $2,000 0.20% 0.20%
6 Month $2,000 0.20% 0.20%
3 Month $2,000 0.10% 0.10%
1 Fees may reduce earnings.
2 The minimum required to open this account and receive the APY is $2,000. APY = Annual Percentage Yield. CDs with balance at maturity between $250.00 & $1,999.99 will renew at the comparable PassCard APY; CDs with balance at maturity below $250.00 will renew at 0%. Penalties may be imposed for early withdrawal.
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Business Checking Rates

Business Checking Accounts 1,2
Business Interest Checking $50 $1
$1,500
$25,000
0.05%
0.10%
0.10%
1 Rates may change after account is opened.
2 Fees may reduce earnings.
3 Annual Percentage Yields (APY) are based upon daily balance.
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Home Equity Loan Rates

Home Equity Term Loan - 1st Lien
36 Months 3.250% $1,459.58 3.648%
60 Months 3.490% $909.36 3.735%
84 Months 3.490% $671.76 3.668%
120 Months 3.625% $497.36 3.753%
180 Months 3.750% $363.61 3.838%
*APRs (Annual Percentage Rates) shown are available to well qualified borrowers. The APRs are not available for the refinance of an existing Brentwood Bank loan, line or mortgage. Home Equity Loan and Lines of Credit must be secured by a one to four family owner-occupied property with a loan to value (LTV) ratio of 80% or less. Property insurance is required and flood insurance may be required. Consult with a tax advisor to determine whether the interest you pay is tax deductible. 5-Year Draw Period.
APRs and monthly payments are based on a $50,000.00 loan and $300 origination fee.
APRs are accurate as of 06/01/2020 and are subject to change without notice. Approval is subject to Brentwood Bank underwriting guidelines. Appraisal Fee ranging from $350 to $550 may be required.
 
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Home Equity Loan Rates

Home Equity Term Loan - Subordinate Lien
36 Months 3.625% $1,467.87 4.024%
60 Months 3.625% $912.39 3.870%
84 Months 3.750% $677.70 3.928%
120 Months 3.875% $503.26 4.003%
180 Months 4.000% $369.84 4.089%
*APRs (Annual Percentage Rates) shown are available to well qualified borrowers. The APRs are not available for the refinance of an existing Brentwood Bank loan, line or mortgage. Home Equity Loan and Lines of Credit must be secured by a one to four family owner-occupied property with a loan to value (LTV) ratio of 80% or less. Property insurance is required and flood insurance may be required. Consult with a tax advisor to determine whether the interest you pay is tax deductible. 5-Year Draw Period.
APRs and monthly payments are based on a $50,000.00 loan and $300 origination fee.
APRs are accurate as of 06/01/2020 and are subject to change without notice. Approval is subject to Brentwood Bank underwriting guidelines. Appraisal Fee ranging from $350 to $550 may be required.

 
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Home Equity Line of Credit Rates

HELOC Loans
Wall Street Journal (WSJ) Prime Monthly - Interest Only 3.25%
* For variable Lines of Credit, APR is based on WSJ Prime Rate, which may increase after account opening.
APR (Annual Percentage Rate) shown is available to well qualified borrowers. 
Home Equity Loan and Lines of Credit must be secured by a one to four family owner-occupied property with a loan to value (LTV) ratio of 80% or less. Property insurance is required and flood insurance may be required. Consult with a tax advisor to determine whether the interest you pay is tax deductible. 5-Year Draw Period.
APRs and monthly payments are based on a $50,000.00 loan and $300 origination fee.
APRs are accurate as of 06/01/2020 and are subject to change without notice. Approval is subject to Brentwood Bank underwriting guidelines. Appraisal Fee ranging from $350 to $550 may be required.

  
 
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Unsecured Loan Rates

Personal Loans
36 Months 9.990% $161.31 9.990%
48 Months 9.990% $126.79 9.990%
60 Months 9.990% $106.21 9.990%
*APR (Annual Percentage Rate) is based on $5,000 loan; 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 Rates

Conventional Single Family Owner-Occupied
30 Year 3.125% +1 $428.38 3.29%
  3.250% +0 $435.21 3.33%
25 Year 3.125% +1 $480.74 3.31%
  3.250% +0 $487.32 3.34%
20 Year 3.125% +1 $560.88 3.35%
  3.250% +0 $567.20 3.36%
15 Year 2.750% +1 $678.62 3.04%
  2.875% +0 $684.59 3.02%
10 Year 2.750% +1 $954.11 3.18%
  2.875% +0 $959.85 3.09%
* 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 will require private mortgage insurance.
Above rates are for the purchase or refinance of first lien, owner occupied residential property in Brentwood Bank market areas. Rates may be adjusted to reflect underwriting risk. All applications are subject to approval under Brentwood Bank’s underwriting guidelines and collateral requirements.
Above rates are not available for the refinance or modification of an existing Brentwood Bank loan or mortgage.
Mortgages over $510,400 call for rate.
Payments do not include amounts for taxes and insurance premiums. Your actual payment will be greater.
 
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Residential Mortgage Rates

Adjustable Rate Mortgage
1 Year 2.625% 2.943% 0 Index + 2.75*
3 Year 2.875% 2.962% 0 Index + 2.75*
5 Year 2.875% 2.961% 0 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 mortgage insurance.
Above rates are for the purchase or refinance of first lien, owner occupied residential property in Brentwood Bank market areas. Rates may be adjusted to reflect underwriting risk. All applications are subject to approval under Brentwood Bank’s underwriting guidelines and collateral requirements.
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 08/10/2020 is 0.13%.
Above rates are not available for the refinance or modification of an existing Brentwood Bank loan or mortgage.
Mortgages over $510,400 call for rate.

Auto Loan Rates

Auto Loans
New (2020-2021), 36 month 5.250% $752.08 5.250%
New (2020-2021), 48 month 5.750% $584.26 5.750%
New (2020-2021), 60 month 6.250% $486.23 6.250%
Used (2017-2019), 36 month 6.250% $763.38 6.250%
Used (2017-2019), 48 month 6.375% $591.43 6.375%
Used (2017-2019), 60 month 6.500% $489.15 6.500%