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Deposits

Checking

High Interest Checking

High Interest Checking Promo HINT Rate for 12 Months for New Accountholders Standard HINT Rate
Dividend Rate APY Dividend Rate  APY 
Balances up to $20,000 4.88% 5.00% 1.98% 2.00%
结余超过20,000美元 0.10% 5.00% – 2.02%* 0.10% 2.00% – 0.86%**
Non-Qualifying Rate 0.05% 0.05% 0.05% 0.05%

宣传片5高息支票(宣传片提示) is a High Interest Checking account with blended rate tiers, 这意味着规定的股息率将支付给每一层的余额部分. Tier 1获得促销5.00% fixed Annual Percentage Yield (APY) on balances up to $20,000.00 for the first 12 months from the account opening date. *Tier 2支付的混合年利率为5.00% to 2.2万美元起计的余额为02%.01 to $50,000.00 and is variable and may change at any time without notice. To earn Tier 1 or Tier 2 dividend rates, 15 qualifying transactions 每个报表周期必须在账户上张贴吗. 报表周期包括从上月最后一个营业日到本月最后一个营业日之间的所有交易. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY which is variable and may change at any time. 截至2024年6月1日,费率是准确的. 于开户周年月次月的第一天, Promo 5高息支票(Promo HINT) APY将自动转换为当时的非促销高息支票账户APY, APY是可变的,可以随时更改,恕不另行通知. Current High Interest Checking account holders, 优惠四高息支票帐户持有人及任何高息支票帐户于180天内关闭的人士均不符合申请资格. 现有的高息支票帐户不能转换为Promo 5高息支票(Promo HINT)帐户. Limit one 宣传片5高息支票(宣传片提示) account per person. 其他资格也可能适用. Promotional offer may be discontinued at any time. Only the following are qualifying transactions: 借记卡购买,支票,账单支付,ATM取款和ACH取款. 没有其他交易符合条件. At least one account holder must be at least 18 years old. Fees may reduce earnings.

High Interest Checking Account (Standard HINT) 使用混合利率等级支付股息,这意味着规定的股息率将按每一等级的余额部分支付. The Annual Percentage Yield (APY) for Tier 1 is 2.余额不超过20,000美元.00和**二级APY的范围从2.00% to 0.2万美元起,86%的利息.01 to $50,000.00. To earn Tier 1 or Tier 2 dividend rates, 15 qualifying transactions 每个报表周期必须在账户上张贴吗. 报表周期包括从上月最后一个营业日到本月最后一个营业日之间的所有交易. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. 截至2024年6月1日,费率准确. All rates are variable 并且可能在不通知的情况下改变 at any time. Only the following are qualifying transactions: 借记卡购买,支票,账单支付,ATM取款和ACH取款. 没有其他交易符合条件. At least one account holder must be at least 18 years old. Fees may reduce earnings.

Savings

Member Savings

Member Savings Dividend Rate  APY 
$100.00 - $2,499.99 0.10% 0.10%
$2,500.00 - $49,999.99 0.15% 0.15%
$50,000.00 and Above 0.20% 0.20%

从2024年6月1日起生效的会员储蓄年度百分比收益率(APY) and may change after account opening without notice. 0.10% APY on balances $100.00-$2,499.99; 0.余额2500美元,年利率15%.00-$49,999.99; 0.5万美元余额20%的年利率.00 and Above. Minimum daily balance of $100 required to earn dividends. $5 required minimum balance to open the account. 无需每月维修服务费. Fees may reduce earnings. 

High Yield Savings

High Yield Savings Dividend Rate  APY 
$0.01 - $99.99 0.10% 0.10%
$100.00 - $2,499.99 0.10% 0.10%
$2,500.00 - $9,999.99 0.10% 0.10%
$10,000.00 - 24,999.99 4.16% 4.25%
$25,000.00 - $49,999.99 4.16% 4.25%
$50,000.00 - $99,999.99 4.16% 4.25%
$100,000.00 - $249,999.99 4.16% 4.25%
$250,000.00 and Above 4.16% 4.25%

截至2024年6月1日的年度百分比收益率(APY)准确. 高收益储蓄是一种支付可变股息率的分层储蓄账户, 这种情况随时都可能改变, 根据每日余额对应的分级费率,按您帐户中的全部余额计收. 该帐户只适用于新资金,这些资金是在开立高收益储蓄账户之前90天内未存入元素的资金. Existing Elements members with savings accounts must deposit $25,000.在开立高收益储蓄帐户后的10天内,存入$ 00或以上的新资金. 现有的“元素”成员的储蓄账户合计每日余额为2,500美元.在开户前90天内存入100英镑或更少的存款,不受新存款要求的限制. Additional information for each tier: An APY of 0.10%适用于余额为0美元起的账户.00 to $99.99; from $100.00 to $2,499.99; and from $2,500.00 to $9,999.99. An APY of 4.25% applies to accounts with balances from $10,000.00 to $24,999.99; from $25,000.00 to $49,999.99; from $50,000.00 to $99,999.99; from $100,000.00 to $249,999.99; and $250,000.00 and above. At least one account holder must be 18 years of age. 其他资格也可能适用. 报盘可随时终止. Fees may reduce earnings.

Helium Savings

Helium Savings Dividend Rate  APY 
$0.01 - $2,499.99 0.10% 0.10%
$2,500.00 - $9,999.99 0.99% 1.00%
$10,000.00 and Above 0.99% 1.00%

自2024年6月1日起,氦气节省年度百分比收益(APY)生效, and may change after account opening without notice. $5 required minimum balance to open the account. 无需每月维修服务费. Fees may reduce earnings. 

Hideaway Savings

Hideaway Savings Dividend Rate  APY 
$100 and Above 0.20% 0.20%

从2024年6月1日起生效的年度百分比收益率(APY), and may change after account opening without notice. Minimum daily balance of $100 required to earn dividends. Fees may reduce earnings. 无需每月维修服务费. 没有最低余额要求. 

Grow Account

Grow Account Dividend Rate  APY 
$100.00 and Above 0.49% 0.50%

Grow Account Annual Percentage Yield (APY) effective as of June 1, 2024, and may change after account opening without notice. Minimum daily balance of $100 required to earn dividends. Fees may reduce earnings. At least one account owner must be 18 years of age or older, and one account owner must be below the age of 18.

 

Compare Savings Accounts

Certificate

Certificates

Certificate Dividend Rate  APY 
6 Month Term 2.44% 2.50%
8 Month Term 4.96% 5.15%
1 Year Term 2.53% 2.60%
13 Month Term 4.68% 4.85%
18 Month Term 4.11% 4.25%
2 Year Term 2.63% 2.70%
3 Year Term 2.73% 2.80%
4 Year Term 2.82% 2.90%
5 Year Term 2.92% 3.00%

Certificate Annual Percentage Yield (APY) effective as of June 1, 2024, 并且可能在不通知的情况下改变. Fees may reduce earnings. 提前提款的罚款.

存单最低存款额为1000美元. Primary members under the age of 18 must have a $500.开立证书的最低余额为00美元. Minimum of $500 balance required to earn dividends. 如果您在到期前支取本金,我们可能会收取罚金. Elements保留在任何时候限制证书余额的权利.

IRA

IRAs

IRAs Dividend Rate  APY 
6 Month Term 2.44% 2.50%
8 Month Term 4.96% 5.15%
1 Year Term 2.53% 2.60%
13 Month Term 4.68% 4.85%
18 Month Term 4.11% 4.25%
2 Year Term 2.63% 2.70%
3 Year Term 2.73% 2.80%
4 Year Term 2.82% 2.90%
5 Year Term 2.92% 3.00%

IRA Annual Percentage Yield (APY) effective as of June 1, 2024,  并且可能在不通知的情况下改变. Fees may reduce earnings.


IRA Savings

IRA Savings Dividend Rate  APY 
All Balances 0.21% 0.21%

IRA Annual Percentage Yield (APY) effective as of June 1, 2024,  并且可能在不通知的情况下改变. Fees may reduce earnings.

健康储蓄帐户(HSA)

Health Savings Account

健康储蓄帐户(HSA) Dividend Rate  APY 
$0.01- $2,499.99 0.10% 0.10%
$2,500.00 - $9,999.99 0.30% 0.30%
$10,000.00 - $24,999.99 0.30% 0.30%
$25,000.00 and Above 0.49% 0.50%

健康储蓄账户年百分比收益(APY)自2024年6月1日起生效, and may change after account opening without notice. Fees may reduce earnings.

Loans

Mortgage

Fixed-Rate Mortgages

定息按揭购买 Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 7.000% 7.041% -0.250 $1,995.91 360
20-Year Fixed 6.625% 6.678% -0.125 $2,258.85 240
15-Year Fixed 6.875% 6.941% 0.000 $2,675.56 180
10-Year Fixed 7.000% 7.093% 0.000 $3,483.25 120
7-Year Fixed 7.125% 7.253% 0.000 $4,546.16 84
5-Year Fixed 7.125% 7.299% 0.000 $5,958.07 60

固定费率自2024年6月7日起生效.请注意,此处显示的利率和年利率(APRs)适用于信用评分为780或更高,贷款价值比(LTV)为75%的借款人,并且基于印第安纳州财产担保的贷款. 根据您的信用评分,实际利率和年利率可能会有所不同, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, closing costs 而且点数可能因房产位置而异, loan type 以及借款人的信用和收入特征. 所有融资须经信贷审批. Example Monthly Payments based on a purchase price of $400,000, FICO®分数为780或更高, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制. 请致电查询其他按揭产品的利率资料.

固定利率抵押贷款再融资 Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 7.125% 7.166% 0.000 $2,021.16 360
20-Year Fixed 7.125% 7.179% -0.125 $2,348.46 240
15-Year Fixed 7.250% 7.317% -0.125 $2,738.59 180
10-Year Fixed 7.375% 7.469% -0.250 $3,541.51 120
7-Year Fixed 7.625% 7.754% 0.000 $4,620.01 84
5-Year Fixed 7.625% 7.800% 0.000 $6,029.22 60

固定费率自2024年6月7日起生效.请注意,此处显示的利率和年利率(APRs)适用于信用评分为780或更高,贷款价值比(LTV)为75%的借款人,并且基于印第安纳州财产担保的贷款. 根据您的信用评分,实际利率和年利率可能会有所不同, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, closing costs 而且点数可能因房产位置而异, loan type 以及借款人的信用和收入特征. 所有融资须经信贷审批. Example Monthly Payments based on a purchase price of $400,000, FICO®分数为780或更高, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制. 请致电查询其他按揭产品的利率资料.

Adjustable Rate Mortgages

可调利率按揭购买 Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment
5/5 ARM 30 Year 8.000% 7.308% 0.000
Months 1-60
$2,201.29
Months 61-360
$2,494.00
7/6 ARM 30 Year 8.375% 8.420% 0.000
Months 1-84
$2,280.22
Months 85-360
$2,611.00
5/6 ARM 30 Year 8.375% 8.420% 0.000
Months 1-60
$2,280.22
Months 61-360
$2,631.00
3/6 ARM 30 Year 8.000% 8.314% 0.000
Months 1-36
$2,201.29
Months 37-360
$2,594.00

自2024年6月7日起生效的可调利率. 请注意,此处显示的利率和年利率(APRs)适用于信用评分为780或更高,贷款价值比(LTV)为75%的借款人,并且基于印第安纳州财产担保的贷款. 根据您的信用评分,实际利率和年利率可能会有所不同, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, closing costs 而且点数可能因房产位置而异, loan type 以及借款人的信用和收入特征. 所有融资须经信贷审批. Example Monthly Payments based on a purchase price of $400,000, FICO®分数为780或更高, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制. 请致电了解ARM产品的价格信息,并注明其他条款.

上面列出的5/5 ARM产品 是一种30年期贷款,前5年的初始利率是固定的(60次付款)。. 在最初的五年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的五年之后, 你的利率可以每5年增加或减少一次,直到第15年,利率可以根据5年期国债的平均收益率每年增加或减少, plus our margin (2.25%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. 未来的指数是未知的,所以估计每月付款61-360是基于当前的指数加上保证金(完全指数率)。.

上面列出的7/6 ARM产品 是一种30年期贷款,前7年的初始利率是固定的(84次付款). 在最初的七年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的七年之后, 您的利率每六个月可根据银行间一年期美国存款利率的平均水平增减.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. 未来的指数是未知的,所以估计每月付款85-360是基于当前的指数加上保证金(完全指数率)。.

上面列出的3/6 ARM产品 是一种30年期贷款,前3年的初始利率是固定的(36次付款)。. 在最初的三年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的三年之后, 您的利率每六个月可根据银行间一年期美国存款利率的平均水平增减.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. 未来的指数是未知的,因此付款37-360的估计月供是基于当前指数加上保证金(完全指数率)。.

上面列出的5/6 ARM产品 是一种30年期贷款,前5年的初始利率是固定的(60次付款)。. 在最初的五年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的五年之后, 您的利率每六个月可根据银行间一年期美国存款利率的平均水平增减.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. 未来的指数是未知的,所以估计每月付款61-360是基于当前的指数加上保证金(完全指数率)。.

可调利率抵押贷款再融资 Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment
5/5 ARM 30 Year 8.500% 7.523% 0.000
Months 1-60
$2,306.74
Months 61-360
$2,494.00
7/6 ARM 30 Year 8.875% 8.700% 0.000
Months 1-84
$2,386.93
Months 85-360
$2,611.00
5/6 ARM 30 Year 8.875% 8.638% 0.000
Months 1-60
$2,386.93
Months 61-360
$2,631.00
3/6 ARM 30 Year 8.500% 8.455% 0.000
Months 1-36
$2,306.74
Months 37-360
$2,594.00

自2024年6月7日起生效的可调利率. 请注意,此处显示的利率和年利率(APRs)适用于信用评分为780或更高,贷款价值比(LTV)为75%的借款人,并且基于印第安纳州财产担保的贷款. 根据您的信用评分,实际利率和年利率可能会有所不同, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, closing costs 而且点数可能因房产位置而异, loan type 以及借款人的信用和收入特征. 所有融资须经信贷审批. Example Monthly Payments based on a purchase price of $400,000, FICO®分数为780或更高, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制. 请致电了解ARM产品的价格信息,并注明其他条款.

上面列出的5/5 ARM产品 是一种30年期贷款,前5年的初始利率是固定的(60次付款)。. 在最初的五年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的五年之后, 你的利率可以每5年增加或减少一次,直到第15年,利率可以根据5年期国债的平均收益率每年增加或减少, plus our margin (2.25%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. 未来的指数是未知的,所以估计每月付款61-360是基于当前的指数加上保证金(完全指数率)。.

上面列出的7/6 ARM产品 是一种30年期贷款,前7年的初始利率是固定的(84次付款). 在最初的七年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的七年之后, 您的利率每六个月可根据银行间一年期美国存款利率的平均水平增减.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. 未来的指数是未知的,所以估计每月付款85-360是基于当前的指数加上保证金(完全指数率)。.

上面列出的5/6 ARM产品 是一种30年期贷款,前5年的初始利率是固定的(60次付款)。. 在最初的五年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的五年之后, 您的利率每六个月可根据银行间一年期美国存款利率的平均水平增减.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. 未来的指数是未知的,所以估计每月付款61-360是基于当前的指数加上保证金(完全指数率)。.

上面列出的3/6 ARM产品 是一种30年期贷款,前3年的初始利率是固定的(36次付款)。. 在最初的三年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的三年之后, 您的利率每六个月可根据银行间一年期美国存款利率的平均水平增减.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. 未来的指数是未知的,因此付款37-360的估计月供是基于当前指数加上保证金(完全指数率)。.

首次购房者抵押贷款

Fixed-Rate Options Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 8.125% 8.165% 0.000 $2,468.80 360
20-Year Fixed 7.375% 7.424% 0.000 $2,653.24 240
15-Year Fixed 7.250% 7.310% 0.000 $3,035.27 180

First Time Homebuyer Rates effective as of June 7, 2024. 请注意,此处显示的利率和年利率(APRs)适用于信用评分为780或更高,贷款价值比(LTV)为95%的借款人,并且是基于印第安纳州财产担保的贷款. 根据您的信用评分,实际利率和年利率可能会有所不同, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, closing costs 而且点数可能因房产位置而异, loan type 以及借款人的信用和收入特征. 所有融资须经信贷审批. Example Monthly Payments based on purchase price of $350,000, FICO®分数为780或更高, 5% or more down payment, and loan amount of $332,500; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制. 请致电查询其他按揭产品的利率资料.

Adjustable Rate Options Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment
5/5 ARM 30 8.250% 7.411% 0.000
Months 1-60
$2,497.96
Months 61-360
$2,649.00
7/6 ARM 30 8.625% 8.555% 0.000
Months 1-84
$2,586.15
Months 85-360
$2,633.00

自2024年6月7日起生效的可调利率. 请注意,此处显示的利率和年利率(APRs)适用于信用评分为780或更高,贷款价值比(LTV)为95%的借款人,并且是基于印第安纳州财产担保的贷款. 根据您的信用评分,实际利率和年利率可能会有所不同, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, closing costs 而且点数可能因房产位置而异, loan type 以及借款人的信用和收入特征. 所有融资须经信贷审批. Example Monthly Payments based on a purchase price of $350,000, FICO®分数为780或更高, 5% or more down payment, and loan amount of $332,500; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制. 请致电了解ARM产品的价格信息,并注明其他条款.

上面列出的5/5 ARM产品 是一种30年期贷款,前5年的初始利率是固定的(60次付款)。. 在最初的五年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的五年之后, 你的利率可以每5年增加或减少一次,直到第15年,利率可以根据5年期国债的平均收益率每年增加或减少, plus our margin (2.25%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. 未来的指数是未知的,所以估计每月付款61-360是基于当前的指数加上保证金(完全指数率)。.

上面列出的7/6 ARM产品 是一种30年期贷款,前7年的初始利率是固定的(84次付款). 在最初的七年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的七年之后, 您的利率每六个月可根据银行间一年期美国存款利率的平均水平增减.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. 未来的指数是未知的,所以估计每月付款85-360是基于当前的指数加上保证金(完全指数率)。.

Refinance Mortgages

Fixed-Rate Options Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 7.125% 7.166% 0.000 $2,021.16 360
20-Year Fixed 7.125% 7.179% -0.125 $2,348.46 240
15-Year Fixed 7.250% 7.317% -0.125 $2,738.59 180
10-Year Fixed 7.375% 7.469% -0.250 $3,541.51 120
7-Year Fixed 7.625% 7.754% 0.000 $4,620.01 84
5-Year Fixed 7.625% 7.800% 0.000 $6,029.22 60

固定费率自2024年6月7日起生效.请注意,此处显示的利率和年利率(APRs)适用于信用评分为780或更高,贷款价值比(LTV)为75%的借款人,并且基于印第安纳州财产担保的贷款. 根据您的信用评分,实际利率和年利率可能会有所不同, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, closing costs 而且点数可能因房产位置而异, loan type 以及借款人的信用和收入特征. 所有融资须经信贷审批. Example Monthly Payments based on a purchase price of $400,000, FICO®分数为780或更高, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制. 请致电查询其他按揭产品的利率资料.

Adjustable Rate Options Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment
5/5 ARM 30 Year 8.500% 7.523% 0.000
Months 1-60
$2,306.74
Months 61-360
$2,494.00
7/6 ARM 30 Year 8.875% 8.700% 0.000
Months 1-84
$2,386.93
Months 85-360
$2,611.00
5/6 ARM 30 Year 8.875% 8.638% 0.000
Months 1-60
$2,386.93
Months 61-360
$2,631.00
3/6 ARM 30 Year 8.500% 8.455% 0.000
Months 1-36
$2,306.74
Months 37-360
$2,594.00

自2024年6月7日起生效的可调利率. 请注意,此处显示的利率和年利率(APRs)适用于信用评分为780或更高,贷款价值比(LTV)为75%的借款人,并且基于印第安纳州财产担保的贷款. 根据您的信用评分,实际利率和年利率可能会有所不同, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, closing costs 而且点数可能因房产位置而异, loan type 以及借款人的信用和收入特征. 所有融资须经信贷审批. Example Monthly Payments based on a purchase price of $400,000, FICO®分数为780或更高, 25% down payment, and loan amount of $300,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制. 请致电了解ARM产品的价格信息,并注明其他条款.

上面列出的5/5 ARM产品 是一种30年期贷款,前5年的初始利率是固定的(60次付款)。. 在最初的五年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的五年之后, 你的利率可以每5年增加或减少一次,直到第15年,利率可以根据5年期国债的平均收益率每年增加或减少, plus our margin (2.25%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. 未来的指数是未知的,所以估计每月付款61-360是基于当前的指数加上保证金(完全指数率)。.

上面列出的7/6 ARM产品 是一种30年期贷款,前7年的初始利率是固定的(84次付款). 在最初的七年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的七年之后, 您的利率每六个月可根据银行间一年期美国存款利率的平均水平增减.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. 未来的指数是未知的,所以估计每月付款85-360是基于当前的指数加上保证金(完全指数率)。.

上面列出的5/6 ARM产品 是一种30年期贷款,前5年的初始利率是固定的(60次付款)。. 在最初的五年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的五年之后, 您的利率每六个月可根据银行间一年期美国存款利率的平均水平增减.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. 未来的指数是未知的,所以估计每月付款61-360是基于当前的指数加上保证金(完全指数率)。.

上面列出的3/6 ARM产品 是一种30年期贷款,前3年的初始利率是固定的(36次付款)。. 在最初的三年之后, 这是可能的利率, APR, 在剩余的贷款期限内,还款额可能会大幅增加. 在最初的三年之后, 您的利率每六个月可根据银行间一年期美国存款利率的平均水平增减.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%)四舍五入到最接近的0.125%. Any change may significantly impact your monthly payment. 未来的指数是未知的,因此付款37-360的估计月供是基于当前指数加上保证金(完全指数率)。.

Jumbo Loans

Call 1-800-561-9433 for Land Loan Rates

单笔建设贷款

Call 1-800-561-9433 适用于单笔工程贷款利率

Land Loans

Call 1-800-561-9433 for Land Loan Rates

FHA Loans

FHA Loan Purchase Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.625% 7.388% -0.375 $2,471.60 360
15-Year Fixed 6.625% 7.365% -0.125 $3,389.06 180

FHA Mortgage Rates effective as of June 7, 2024. 请注意,此处显示的利率和年利率(apr)适用于信用评分为780或更高和96的借款人.5%的贷款价值比(LTV),并以印第安纳州财产担保的贷款为基础. 根据您的信用评分,实际利率和年利率可能会有所不同, LTV ratio, and other factors, 而且可能比这里展示的要高. Rates, closing costs, 而且点数可能因房产位置而异, loan type, 以及借款人的信用和收入特征. 所有融资须经信贷审批. 举例:购买价格为400,000美元,FICO®分数为780或更高,以及3.5% or more down payment, and loan amount of $386,000; FHA mortgage insurance premium is excluded, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制.

FHA Loan Refinance Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.625% 7.388% -0.375 $2,471.60 360
15-Year Fixed 6.625% 7.365% -0.125 $3,389.06 180

FHA Mortgage Rates effective as of June 7, 2024. 请注意,此处显示的利率和年利率(apr)适用于信用评分为780或更高和96的借款人.5%的贷款价值比(LTV),并以印第安纳州财产担保的贷款为基础. 根据您的信用评分,实际利率和年利率可能会有所不同, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, closing costs 而且点数可能因房产位置而异, loan type 以及借款人的信用和收入特征. 所有融资须经信贷审批. 例如,每月付款基于财产价值为400,000美元,FICO®评分为780或更高,以及3.5% or more equity, and loan amount of $386,000; FHA mortgage insurance premium is excluded, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制.

VA Loans

VA Loan Purchase Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.625% 6.852% -0.125 $2,561.24 360
15-Year Fixed 6.125% 6.821% 2.000 $3,402.50 180

退伍军人管理局抵押贷款利率自2024年6月7日起生效. 请注意,此处显示的利率和年利率(APRs)适用于信用评分为780或更高,贷款价值比(LTV)为100%的借款人,并且基于印第安纳州财产担保的贷款. 根据您的信用评分,实际利率和年利率可能会有所不同, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, closing costs 而且点数可能因房产位置而异, loan type 以及借款人的信用和收入特征. 所有融资须经信贷审批. 基于购买价格和基本贷款金额$400的月付款,000, FICO®分数为780或更高, and 0% or more down payment; VA funding fee is excluded, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制.

VA Loan Refinance Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.625% 6.854% -0.125 $2,305.12 360
15-Year Fixed 6.750% 7.168% 0.250 $3,185.67 180

退伍军人管理局抵押贷款利率自2024年6月7日起生效. 请注意,这里显示的利率和年利率(APRs)适用于信用评分为780或更高,贷款价值比(LTV)为90%的借款人,并且是基于印第安纳州财产担保的贷款. 根据您的信用评分,实际利率和年利率可能会有所不同, LTV比率和其他因素, 而且可能比这里展示的要高. Rates, closing costs 而且点数可能因房产位置而异, loan type 以及借款人的信用和收入特征. 所有融资须经信贷审批. Example Monthly Payments based on property value of $400,000, FICO®分数为780或更高, and 10% or more equity, 基本贷款额是360美元,000; VA funding fee is excluded, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制.

USDA Loans

USDA Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.625% 7.108% -0.375 $2,561.24 360

USDA Mortgage Rates effective as of June 7, 2024. 请注意,此处显示的利率和年利率(APRs)适用于信用评分为780或更高,贷款价值比(LTV)为100%的借款人,并且基于印第安纳州财产担保的贷款. 根据您的信用评分,实际利率和年利率可能会有所不同, LTV ratio, and other factors, 而且可能比这里展示的要高. Rates, closing costs, 而且点数可能因房产位置而异, loan type, 以及借款人的信用和收入特征. 所有融资须经信贷审批. 基于购买价格和基本贷款金额$400的月付款,000, FICO®分数为780或更高, and 0% or more down payment; USDA guarantee fee is excluded, and they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. 房价如有变动,恕不另行通知. 可能会有一些限制.

 

Compare Mortgages

Home Equity

Home Equity Loans

Home Equity Loan Interest Rate  APR  Points  Monthly Payment
10 Year Fixed 8.590% 8.777% 0.000 $622.00
15 Year Fixed 8.840% 8.977% 0.000 $502.00

Payments shown do not include taxes and insurance premiums. Rates are based on an evaluation of credit history, 综合贷款价值比, loan term, and occupancy, so your rate may differ. Not all applicants will qualify for the displayed lowest rates. 年利率(APR), effective June 1, 2024, and example monthly payments are calculated using loan amounts of $50,000, 单户住宅的信用评分为730分或更高,贷款价值比合计为80%,预计成交成本为622美元.10年期债券是100美元,还有502美元.00 for the 15-year. A loan origination fee of $375 and a title search fee will apply. Additional state or local mortgage fees or taxes may apply. Please consult your tax advisor regarding the deductibility of interest. 计划、费率、条款和条件如有变更,恕不另行通知.

房屋净值信贷额度

房屋净值信贷额度 6个月贷款利率 6-Month Intro APR Interest Rate  APR  Points 
房屋净值信贷额度 5.99% 5.99% 8.50% 8.50% 0.000

Rates are based on an evaluation of credit history, 综合贷款价值比, loan term, and occupancy, so your rate may differ. Not all applicants will qualify for the displayed lowest rates. The term is 25 years, 包括10年只付息的提款期和15年本金加利息的还款期, 这可能会增加你的月供. The Introductory Annual Percentage Rate (APR) of 5.99%只适用于新的房屋净值信贷额度,并且只适用于前六个月. HELOC modifications, 使用同一物业的续订和增加不被视为新的,也不符合介绍性费率. 以获得入门费率, a draw of at least $10,000 must be made within 30 days of account opening. 在优惠价到期后, 余额将根据《利记app官网》公布的优惠利率加上保证金,按可变年利率收取. 年利率永远不会低于3.75% or higher than 18%. The stated rate, correct as of June 1, 2024, applies to borrowers with credit scores of 730 or greater, CLTV 80% or less, 以及业主自住的独户住宅. Elements Financial将有条件地免除与您的房屋净值信贷额度相关的以下交割费用:洪水认证, 标题搜索或标题摘要, credit report, recording fees, and a simple valuation. 您可能需要支付其他费用,如税收,以及必要时的评估费. However, 如果您关闭您的房屋净值信贷额度后36个月内,它是开放的, 贵方将被要求按最初豁免的交割费用金额支付提前交割费. 这些费用因州和财产类型而异. Elements Financial保留随时修改或终止此优惠的权利. 可能适用额外的条款和条件. 须经信贷审批. 财务成员资格要求.

Home Improvement Loans

Home Improvement Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
Unsecured 9.34% 9.34% $523.18 60
Secured 10 Year Fixed 9.09% 9.28% 0.000 $636.00 120
Secured 15 Year Fixed 9.84% 9.98% 0.000 $532.00 180

无担保固定利率房屋改善贷款: 年度百分比税率(APR)自2024年6月1日起生效,如有更改,恕不另行通知. Each individual's APR is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. APR calculation 每月付款的例子基于 loan amount of $25,000, FICO®分数为730或更高, and term of 60 months. Rate includes 0.自动付款减少25%. 附加条件可能适用. 须经信贷审批. 最高贷款额为25,000元.

有担保家装封闭式贷款: 年度百分比税率(APR)自2024年6月1日起生效,如有更改,恕不另行通知. 贷款价值比为101%至133%. 最高贷款金额为$250,000. APRs above are calculated using loan amounts of $50,000, 信用评分710分或以上,单户住宅的贷款价值比大于100%. Closing Costs: A loan origination fee of $375 and a title search fee will apply. Additional state or local mortgage fees or taxes may apply. The actual closing costs generally range between $500 to $1,200, 取决于房产的位置, 贷款金额和其他因素. Example Monthly Payments: 贷款金额为50美元,不包括灾害保险, property taxes, or flood insurance. 你的实际付款可能会更高. Each individual's APR is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates. Tax Deductibility: Elements Financial不提供税务建议. Please consult your tax advisor regarding the deductibility of interest. 计划、费率、条款和条件如有变更,恕不另行通知.


Compare Home Loans

 

Auto Loan

Auto Loans

Auto Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2023+ 6.04% 6.04% $710.43 48
Used 2021-2022 6.19% 6.19% $712.59 48
Used 2019-2020 6.69% 6.69% $719.49 48
Used 2017-2018 7.44% 7.44% $730.02 48

Rates effective June 7, 2024, subject to change without notice. 每个人的年度百分比利率(APR)由element的承保标准决定. 利率可能会根据信用记录、车辆型号、年份和贷款期限而有所不同. Not all applicants will qualify for the displayed lowest rate. 促销费包括.在结账时,从Elements支票账户自动付款的折扣为00%. 如果停止预授权转让,费率降低可能会增加. 第一次付款到期90天,从贷款资金. APR calculation and estimated monthly payment of $710.根据贷款金额30美元计算,000, FICO®分数为730或更高, term of 48 months, 贷款为购买或非要素金融汽车贷款再融资. Payment shown does not include taxes or insurance premiums. 附加条件可能适用. 须经信贷审批. Offer available for auto loans closed June 7 - June 24, 2024. 第三方再融资供应商交易不符合当前促销利率. Elements Financial refinances subject to $200 refinance fee. FICO分数低于640,不符合促销利率或90天内首次付款. 元素可以在任何时候结束报价. Rates subject to change.

Boat/RV Loan

Boat Loans

Boat Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2016+ 8.34% 8.51% $372.62 120

税率自2024年6月1日起生效, 如有更改,恕不另行通知. 每个人的年度百分比利率(APR)由申请人的信用历史决定. Not all applicants will qualify for the displayed lowest rates. 所有已预订的船只贷款申请需支付160美元的处理费和65美元的卖方单一利息(VSI)费用. 船2016或更新- APR计算 每月付款的例子基于 贷款金额为30,000美元,FICO评分为730或更高,贷款期限为120个月. Rate includes 0.自动付款减少25% from an Elements checking account. 附加条件可能适用. 须经信贷审批. Payments shown do not include taxes and insurance premiums.

RV Loans

RV Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2016+ 8.34% 8.51% $372.62 120

税率自2024年6月1日起生效, 如有更改,恕不另行通知. 每个人的年度百分比利率(APR)由申请人的信用历史决定. Not all applicants will qualify for the displayed lowest rates. 160美元的处理费和65美元的供应商单一利益(VSI)费用适用于所有预订的房车贷款申请. 2016年或更新的rv -基于30美元贷款金额的月还款率计算和示例,000, FICO®分数为730或更高, and term of 120 months. Rate includes 0.自动付款减少25% from an Elements checking account. 附加条件可能适用. 须经信贷审批. Payments shown do not include taxes and insurance premiums.

Motorcycle/ATV Loan

Motorcycle and ATV Loans

Motorcycle & ATV Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2016+ 8.84% 9.15% $625.54 60

税率自2024年6月1日起生效如有更改,恕不另行通知. 每个人的年度百分比利率(APR)由申请人的信用历史决定. Not all applicants will qualify for the displayed lowest rates. 所有预订的摩托车及亚视贷款申请须缴交160元的处理费及65元的卖方单一利息(VSI)费用. 2016年或更新的摩托车和全地形车 APR calculation 每月付款的例子基于 loan amount of $30,000, FICO®分数为730或更高, and term of 60 months. Rate includes 0.自动付款减少25% from an Elements checking account. 附加条件可能适用. 须经信贷审批. Payments shown do not include taxes and insurance premiums. 

Personal Loan

EZ Line of Credit

EZ Line of Credit Interest Rate  APR 
EZ Line of Credit 11.74% 11.74%

税率自2024年6月1日起生效, 如有更改,恕不另行通知. 每个人的年度百分比利率(APR)由申请人的信用历史决定. Not all applicants will qualify for our displayed lowest rates. 须经信贷审批.

Credit Builder Loans

Credit Builder Loan Interest Rate  APR 
Credit Builder Loan 5.00% 5.00%

税率自2024年6月1日起生效, 如有更改,恕不另行通知. 每个人的年度百分比利率(APR)由申请人的信用历史决定. Not all applicants will qualify for our displayed lowest rates. 须经信贷审批.

无担保签字贷款

Unsecured Signature Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
Unsecured Signature Loan 9.84% 9.84% $252.00 48

税率自2024年6月1日起生效, 如有更改,恕不另行通知. 每个人的年度百分比利率(APR)由申请人的信用历史决定. Not all applicants will qualify for our displayed lowest rates. 须经信贷审批.

Certificate Loans


您可以以高于当前存款利率2%的利率借入您的Elements证书的全部金额.


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Credit Cards

Credit Card

签章奖励Visa卡

Signature Rewards Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
6个月后的可变年利率 Period  16.24%
Balance Transfer Fee  0%

签章奖励签证介绍性年利率,有效期为6个月. 要素金融贷款不符合支付入门余额转账优惠. 须经信贷审批. Additional limitations, terms, and conditions apply. After introductory 期间,你的采购和余额转账的标准可变年利率将是16.24%为Signature Rewards Visa. 税率自2024年6月1日起生效,并将根据《利记app官网》公布的最优惠利率随市场而变化. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.

Platinum Visa Cards

Platinum Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
6个月后的可变年利率 Period  14.24%
Balance Transfer Fee  0%

白金签证介绍性年利率(APR)有效期为6个月. 要素金融贷款不符合支付入门余额转账优惠. 须经信贷审批. Additional limitations, terms, and conditions apply. After introductory 在此期间,您的采购和余额转账的标准可变年利率将是14.24% for Platinum Visa. 税率自2024年6月1日起生效,并将根据《利记app官网》公布的最优惠利率随市场而变化. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.

Cash Rewards Visa Cards

Cash Rewards Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
6个月后的可变年利率 Period  17.99%
Balance Transfer Fee  0%

现金奖励签证介绍性年利率,有效期为6个月. 要素金融贷款不符合支付入门余额转账优惠. 须经信贷审批. Additional limitations, terms, and conditions apply. After introductory 在此期间,您的采购和余额转账的标准可变年利率将是17.99% for Cash Rewards Visa. 税率自2024年6月1日起生效,并将根据《利记app官网》公布的最优惠利率随市场而变化. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.

巴特勒大学奖励Visa卡

巴特勒大学奖励签证 Purchases & Balance Transfers
Introductory APR for 6 Months  0%
6个月后的可变年利率 Period  17.99%
Balance Transfer Fee  0%

巴特勒大学奖励签证介绍性APR(年度百分比利率),有效期为六个月. 要素金融贷款不符合支付入门余额转账优惠. 须经信贷审批. Additional limitations, terms, and conditions apply. 在介绍期之后,您的购买和余额转账的标准可变年利率将是17.巴特勒大学奖励签证99%. 税率自2024年6月1日起生效,并将根据《利记app官网》公布的最优惠利率随市场而变化. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.

印第安纳波利斯印第安人签名奖励签证 Cards

印第安纳波利斯印第安人签名奖励签证 Purchases & Balance Transfers
Introductory APR for 6 Months  0%
6个月后的可变年利率 Period  16.24%
Balance Transfer Fee  0%

印第安纳波利斯印第安人签名奖励签证介绍性年利率,有效期为6个月. 要素金融贷款不符合支付入门余额转账优惠. 须经信贷审批. Additional limitations, terms, and conditions apply. 在介绍期之后,您的购买和余额转账的标准可变年利率将是16.24%为Signature Rewards Visa. 税率自2024年6月1日起生效,并将根据《利记app官网》公布的最优惠利率随市场而变化. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.

赖利儿童基金会Visa卡

赖利儿童基金会签证 Purchases & Balance Transfers
Introductory APR for 6 Months  0%
6个月后的可变年利率 Period  14.24%
Balance Transfer Fee  1%

赖利儿童基金会签证介绍性年利率,有效期为6个月. 要素金融贷款不符合支付入门余额转账优惠. 须经信贷审批. Additional limitations, terms, and conditions apply. After introductory 在此期间,您的采购和余额转账的标准可变年利率将是14.赖利儿童基金会签证24%. 税率自2024年6月1日起生效,并将根据《利记app官网》公布的最优惠利率随市场而变化. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.

Secured Visa Cards

Secured Visa Purchases Balance Transfers
Variable APR  17.99% 17.99%
Balance Transfer Fee  3%

APR代表年度百分比利率. 须经信贷审批. Additional limitations, terms, and conditions apply. 税率自2024年6月1日起生效,并将根据《利记app官网》公布的最优惠利率随市场而变化. Terms & Conditions.

 

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Business Products

Business Savings

商业保费ket Account

商业溢价货币市场储蓄 Dividend Rate  APY 
$0.01 - $2,499.99 0.74% 0.75%
$2,500.00 - $9,999.99 0.74% 0.75%
$10,000.00 - $24,999.99 0.74% 0.75%
$25,000.00 - $49,999.99 1.49% 1.50%
$50,000.00 - $99,999.99 2.22% 2.25%
$100,000.00 - $249,999.99 2.96% 3.00%
$250,000.00 and Above 3.44% 3.50%

税率自2024年6月1日起生效, and may change after account opening without notice. Fees may reduce earnings.

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