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Interest Rates

10/28/2020
Rates are subject to change without notice.

Checking Rates

Personal Checking Accounts 1,2
Account NameKasasa Cash4 Minimum to Open$50 Minimum Daily Balance to Earn Interest$0 - $25,000
Over $25,000
All balances if qualifications not met
APY31.05%
1.05% - 0.45%
0.05%
Account NameLegacy Checking Minimum to Open$50 Minimum Daily Balance to Earn Interest$1 APY30.10%
Account Name  Minimum to Open  Minimum Daily Balance to Earn Interest  APY3 
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
Account NameStatement Savings Minimum to Open$50 Minimum Daily Balance to Earn Interest$250 APY30.10%
Account NameKasasa Saver4,5 Minimum to Open$50 Minimum Daily Balance to Earn Interest$0 - $50,000
Over $50,000
All balances if qualifications not met
APY30.50%
0.50% - 0.375%
0.05%
Account NamePasscard Savings Minimum to Open$50 Minimum Daily Balance to Earn Interest$250 APY30.10%
Account NameHoliday Club Savings Minimum to Open$50 Minimum Daily Balance to Earn Interest$250 APY30.10%
Account NameKids Looney Tunes Savings Club Minimum to Open$1 Minimum Daily Balance to Earn Interest$50 APY30.10%
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
Account NamePremier Money Market Minimum to Open$50 Minimum Daily Balance to Earn Interest$1
$75,000
APY30.10%
0.15%
Account NameChoice Money Market4 Minimum to Open$25,000 Minimum Daily Balance to Earn Interest$25,000
$100,001
$250,001
APY30.20%
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
Term10 Year Minimum Deposit$2,000 CD APY21.00% IRA APY21.00%
Term7 Year Minimum Deposit$2,000 CD APY20.60% IRA APY20.60%
Term5 Year Minimum Deposit$2,000 CD APY20.50% IRA APY20.50%
Term4 Year Minimum Deposit$2,000 CD APY20.40% IRA APY20.40%
Term3 Year Minimum Deposit$2,000 CD APY20.35% IRA APY20.35%
Term30 Month Minimum Deposit$2,000 CD APY20.30% IRA APY20.30%
Term24 Month Minimum Deposit$2,000 CD APY20.30% IRA APY20.30%
Term18 Month Minimum Deposit$2,000 CD APY20.30% IRA APY20.30%
Term12 Month Minimum Deposit$2,000 CD APY20.25% IRA APY20.25%
Term9 Month Minimum Deposit$2,000 CD APY20.20% IRA APY20.20%
Term6 Month Minimum Deposit$2,000 CD APY20.20% IRA APY20.20%
Term3 Month Minimum Deposit$2,000 CD APY20.10% IRA APY20.10%
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
Account NamePremier Business Interest Checking Minimum to Open$50 Minimum Daily Balance to Earn Interest$0 - $25,000
$25,001 - $75,000
Over $75,000
APY30.05%
0.05% - 0.08%
0.08% - 0.17%
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
Term36 Months Interest Rate3.250% Monthly Payment$1,459.58 APR*3.648%
Term60 Months Interest Rate3.490% Monthly Payment$909.36 APR*3.735%
Term84 Months Interest Rate3.490% Monthly Payment$671.76 APR*3.668%
Term120 Months Interest Rate3.625% Monthly Payment$497.36 APR*3.753%
Term180 Months Interest Rate3.750% Monthly Payment$363.61 APR*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
Term36 Months Interest Rate3.625% Monthly Payment$1,467.87 APR*4.024%
Term60 Months Interest Rate3.625% Monthly Payment$912.39 APR*3.870%
Term84 Months Interest Rate3.750% Monthly Payment$677.70 APR*3.928%
Term120 Months Interest Rate3.875% Monthly Payment$503.26 APR*4.003%
Term180 Months Interest Rate4.000% Monthly Payment$369.84 APR*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
Variable Interest RateWall Street Journal (WSJ) Prime PaymentsMonthly - Interest Only APR*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
Term36 Months Interest Rate9.990% Monthly Payment$161.31 APR*9.990%
Term48 Months Interest Rate9.990% Monthly Payment$126.79 APR*9.990%
Term60 Months Interest Rate9.990% Monthly Payment$106.21 APR*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
Term30 Year Interest Rate3.000% Points+1 Monthly Payment$421.60 APR*3.14%
Term  Interest Rate3.125% Points+0 Monthly Payment$428.38 APR*3.19%
Term20 Year Interest Rate2.875% Points+1 Monthly Payment$548.36 APR*3.07%
Term  Interest Rate3.000% Points+0 Monthly Payment$554.60 APR*3.09%
Term15 Year Interest Rate2.625% Points+1 Monthly Payment$672.69 APR*2.88%
Term  Interest Rate2.750% Points+0 Monthly Payment$678.62 APR*2.86%
* 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
First Payment Term1 Year Initial Rate2.750% APR*2.953% Points0 Remaining Term Annual AdjustmentIndex + 2.75*
First Payment Term3 Year Initial Rate3.000% APR*3.455% Points0 Remaining Term Annual AdjustmentIndex + 2.75*
First Payment Term5 Year Initial Rate3.000% APR*3.005% Points0 Remaining Term Annual AdjustmentIndex + 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. 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
TermNew (2020-2021), 36 month Rate5.250% Monthly Payment$752.08 APR*5.250%
TermNew (2020-2021), 48 month Rate5.750% Monthly Payment$584.26 APR*5.750%
TermNew (2020-2021), 60 month Rate6.250% Monthly Payment$486.23 APR*6.250%
TermUsed (2017-2019), 36 month Rate6.250% Monthly Payment$763.38 APR*6.250%
TermUsed (2017-2019), 48 month Rate6.375% Monthly Payment$591.43 APR*6.375%
TermUsed (2017-2019), 60 month Rate6.500% Monthly Payment$489.15 APR*6.500%