Interest Rates

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9/27/2022
Rates are subject to change without notice.

Checking Rates

Personal Checking Accounts
Account NameInterest Rewards Checking2 Minimum to Open$50 Minimum Daily Balance to Earn Interest$0 - $25,000
Over $25,000
All balances if qualifications not met		 APY11.05%
1.05% - 0.45%
0.05%
Account NameLegacy Checking3 Minimum to Open$50 Minimum Daily Balance to Earn Interest$1 APY10.05%
Account Name  Minimum to Open  Minimum Daily Balance to Earn Interest  APY1 
Rates may change after account is opened. Rates accurate as of 9/26/2022.
Fees may reduce earnings.
1 Annual Percentage Yields (APY) are based upon daily balance.
2 To earn rewards, simply perform the following activities and transactions in your Interest Rewards Checking account each monthly qualification cycle:
  • Have at least 12 debit card purchases (each in the amount of at least $5.00) post and settle to your account.
  • Be enrolled in online banking, and be enrolled in and agree to receive eStatements.
3 Legacy Checking available to individuals age 62+.
Learn More About Personal Checking

Savings Rates

Personal Savings Accounts
Account NameStatement Savings Minimum to Open$50 Minimum Daily Balance to Earn Interest$250 APY10.05%
Account NameInterest Rewards Saver2,3 Minimum to Open$50 Minimum Daily Balance to Earn Interest$0 - $50,000
Over $50,000
All balances if qualifications not met		 APY10.50%
0.50% - 0.375%
0.05%
Account NamePassCard Savings Minimum to Open$50 Minimum Daily Balance to Earn Interest$250 APY10.05%
Account NameHoliday Club Savings Minimum to Open$50 Minimum Daily Balance to Earn Interest$250 APY10.05%
Account NameKids Looney Tunes Savings Club Minimum to Open$1 Minimum Daily Balance to Earn Interest$50 APY10.05%
Rates may change after account is opened. Rates accurate as of 9/26/2022.
Fees may reduce earnings.
1 Annual Percentage Yields (APY) are based upon daily balance.
2 To earn rewards, simply perform the following activities and transactions in your Interest Rewards Checking account each monthly qualification cycle:
  • Have at least 12 debit card purchases (each in the amount of at least $5.00) post and settle to your account.
  • Be enrolled in online banking, and be enrolled in and agree to receive eStatements.
3 Must have Interest Rewards Checking or Cash Back Rewards Checking to enroll in Interest Rewards Saver.
Learn More About Personal Savings

Money Market Rates

Money Market Accounts
Account NamePremier Money Market Minimum to Open$50 Minimum Daily Balance to Earn Interest$1
$75,000		 APY10.10%
0.15%
Account NameChoice Money Market2 Minimum to Open$25,000 Minimum Daily Balance to Earn Interest$25,000
$100,001
$250,001		 APY10.55%
0.60%
0.65%
Rates may change after account is opened. Rates accurate as of 9/26/2022.
Fees may reduce earnings.
1 Annual Percentage Yields (APY) are based upon daily balance.
2 Requires $25,000 in new funds not currently on deposit at Brentwood Bank.
Learn More About Money Markets

Certificate of Deposit and IRA Rates

Certificate of Deposit and IRA
Term10 Year Minimum Deposit$2,000 CD APY*1.50% IRA APY*1.50%
Term7 Year Minimum Deposit$2,000 CD APY*1.25% IRA APY*1.25%
Term5 Year Minimum Deposit$2,000 CD APY*1.00% IRA APY*1.00%
Term4 Year Minimum Deposit$2,000 CD APY*0.40% IRA APY*0.40%
Term3 Year Minimum Deposit$2,000 CD APY*0.35% IRA APY*0.35%
Term30 Month Minimum Deposit$2,000 CD APY*0.65% IRA APY*0.65%
Term24 Month Minimum Deposit$2,000 CD APY*0.30% IRA APY*0.30%
Term19 Month Minimum Deposit$10,000 ^ CD APY*2.02% IRA APY*2.02%
Term18 Month Minimum Deposit$2,000 CD APY*0.30% IRA APY*0.30%
Term14 Month Minimum Deposit$2,000 CD APY*1.51% IRA APY*n/a
Term12 Month Minimum Deposit$2,000 CD APY*0.25% IRA APY*0.25%
Term9 Month Minimum Deposit$2,000 CD APY*0.20% IRA APY*0.20%
Term6 Month Minimum Deposit$2,000 CD APY*0.20% IRA APY*0.20%
Term3 Month Minimum Deposit$2,000 CD APY*0.10% IRA APY*0.10%
Fees may reduce earnings.
* Rates accurate as of 9/26/2022. 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.
^ 19 month CD requires $10,000 in new funds not currently on deposit at Brentwood Bank during the previous 30 days.
Learn More About CDs

Business Checking Rates

Business Checking Accounts
Account NamePremier Business Interest Checking Minimum Daily Balance to Earn Interest$0 - $25,000
$25,000.01 - $75,000
$75,000.01 - $250,000
$250,000.01 - $750,000
$750,000.01 - $2,500,000
$2,500,000.01-$5,000,000
Over $5,000,000		 APY*0.05%
0.10%
0.15%
0.20%
0.15%
0.10%
0.05%
Minimum $50 to open.
Rates may change after account is opened. Rates accurate as of 9/26/2022.
Fees may reduce earnings.
* Annual Percentage Yields (APY) are based upon daily balance.
Learn More About Business Checking

Home Equity Loan Rates

Home Equity Term Loan - 1st Lien
Term36 Months Interest Rate4.375% Monthly Payment ($50,000 Loan)$1,484.55 APR*4.776%
Term60 Months Interest Rate4.500% Monthly Payment ($50,000 Loan)$932.15 APR*4.747%
Term84 Months Interest Rate4.625% Monthly Payment ($50,000 Loan)$697.92 APR*4.805%
Term120 Months Interest Rate4.750% Monthly Payment ($50,000 Loan)$524.24 APR*4.880%
Term180 Months Interest Rate4.990% Monthly Payment ($50,000 Loan)$395.14 APR*5.081%
* 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 85% 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. 
APRs and monthly payments are based on a $50,000.00 loan. $300 application fee required.
Payment examples do not include taxes or insurance. Therefore, your actual housing obligation will be greater. 
APRs are accurate as of 9/22/2022 and are subject to change without notice. Approval is subject to Brentwood Bank underwriting guidelines. Appraisal Fee ranging from $330 to $610 may be required.
 
Learn More about Home Equity Loans

Home Equity Loan Rates

Home Equity Term Loan - Subordinate Lien
Term36 Months Interest Rate4.625% Monthly Payment ($50,000 Loan)$1,490.14 APR*5.026%
Term60 Months Interest Rate4.750% Monthly Payment ($50,000 Loan)$937.85 APR*4.998%
Term84 Months Interest Rate4.875% Monthly Payment ($50,000 Loan)$703.76 APR*5.056%
Term120 Months Interest Rate5.000% Monthly Payment ($50,000 Loan)$530.33 APR*5.131%
Term180 Months Interest Rate5.250% Monthly Payment ($50,000 Loan)$401.94 APR*5.342%
* 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 85% 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. 
APRs and monthly payments are based on a $50,000.00 loan. $300 application fee required.
APRs are accurate as of 9/26/2022 and are subject to change without notice. Approval is subject to Brentwood Bank underwriting guidelines. Appraisal Fee ranging from $330 to $610 may be required.

 
Learn More About Home Equity Loans

Home Equity Line of Credit Rates

HELOC Loans
Variable Interest RateWall Street Journal (WSJ) Prime PaymentsMonthly - Interest Only APR*6.25%
* For variable Lines of Credit, APR is based on WSJ Prime Rate, which may increase after account opening. Maximum APR for variable Lines of Credit is 18%.
$300 application fee required.
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 85% 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 are accurate as of 9/26/2022 and are subject to change without notice.
Approval is subject to Brentwood Bank underwriting guidelines.
Appraisal Fee ranging from $330 to $610 may be required.

  
 
Learn More About HELOCs

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.
APRs are accurate as of 9/26/2022 and are subject to change without notice.
 
Learn More Unsecured Loans

Residential Mortgage Rates

Conventional Single Family Owner-Occupied
Term30 Year Interest Rate5.625% Points+1 Monthly Payment$575.66 APR*5.816%
Term30 Year Interest Rate5.750% Points+0 Monthly Payment$583.57 APR*5.848%
Term25 Year Interest Rate5.500% Points+1 Monthly Payment$614.09 APR*5.715%
Term25 Year Interest Rate5.625% Points+0 Monthly Payment$621.57 APR*5.736%
Term20 Year Interest Rate5.375% Points+1 Monthly Payment$680.85 APR*5.629%
Term20 Year Interest Rate5.500% Points+0 Monthly Payment$687.89 APR*5.630%
Term15 Year Interest Rate4.875% Points+1 Monthly Payment$784.30 APR*5.191%
Term15 Year Interest Rate5.000% Points+0 Monthly Payment$790.79 APR*5.162%
Term10 Year Interest Rate4.750% Points+1 Monthly Payment$1,048.48 APR*5.201%
Term10 Year Interest Rate4.875% Points+0 Monthly Payment$1,054.56 APR*5.106%
* 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. 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.
APRs are accurate as of 9/26/2022 and are subject to change without notice.
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. 
Payment examples do not include amounts for taxes and insurance premiums. Therefore, your actual payment will be greater.
 
Learn More About Mortgages

Residential Mortgage Rates

Jumbo Single Family Owner-Occupied
Term30 Year Rate5.750% APR*5.764%
Term15 Year Rate5.000% APR*5.023%
* APR (Annual Percentage Rate) based on $700,000 loan amount and 15 days prepaid interest with a maximum loan to value of 80%.  
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.
Above rates are not available for the refinance or modification of an existing Brentwood Bank loan or mortgage.
APRs are accurate as of 9/26/2022 and are subject to change without notice.
Consult with a tax advisor to determine whether the interest you pay is tax deductible. 
Payment examples do not include amounts for taxes and insurance premiums. Therefore, your actual payment will be greater.
Property insurance is required and flood insurance may be required.
Maximum loan amount: $1 million. For higher amounts, call for rates.
Learn More About Mortgages

Residential Mortgage Rates

Adjustable Rate Mortgage
First Payment Term1 Year Initial Rate5.500% APR*6.416% Points0 Remaining Term Annual AdjustmentIndex + 2.75*
First Payment Term3 Year Initial Rate5.500% APR*6.270% Points0 Remaining Term Annual AdjustmentIndex + 2.75*
First Payment Term5 Year Initial Rate5.500% APR*6.147% 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.
APRs are accurate as of 9/26/2022 and are subject to change without notice.
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 9/15/2022 is 3.62%.
Above rates are not available for the refinance or modification of an existing Brentwood Bank loan or mortgage.
Property insurance is required and flood insurance may be required.
Payment examples do not include amounts for taxes and insurance premiums. Therefore, your actual payment will be greater.
Consult with a tax advisor to determine whether the interest you pay is tax deductible. 
Learn More About Mortgages