Overview

This section helps personal and business customers understand how pricing works across savings, deposits, and lending relationships.

• Savings and deposit rates
• Annual Percentage Yield (APY) information
• Balance requirements
• Account fee considerations
• Loan pricing overview
• Disclosure-based rate guidance
• Product-related rate information

What To Expect

The Rates page explains how deposit interest is calculated, how APY reflects earnings over time, how balance requirements affect rates, how loan pricing is determined, and where to find current disclosures.

Customers can use this page to review pricing context before selecting accounts or applying for loans.

Deposit & Savings Rates

Current rates, APYs, and requirements are provided through applicable disclosures and may change at any time.

• Interest-bearing savings accounts
• Personal savings accounts
• Business savings accounts
• Promotional savings offers
• Companion savings relationships

APY & Account Terms

Truth in Savings disclosures provide detailed information about interest rates, APY calculations, minimum balance requirements, fees and limitations, and account terms and conditions.

• Interest rate applied to the account
• Compounding frequency
• Balance requirements
• Account terms
• Applicable fees

Loan Pricing

Loan pricing is determined during the credit evaluation process and is not guaranteed until approval. The Rates page provides general guidance rather than specific loan quotes.

• Creditworthiness
• Loan type and structure
• Requested amount
• Customer relationship
• Underwriting review
• Market conditions

Deposit and Lending Rate Structure

Deposit rates may vary based on account type, balance tier, promotional offers, relationship status, and product structure. Lending rate structure may include fixed or variable rates, term-based pricing, relationship-based pricing, credit-tier evaluation, and underwriting adjustments.