Residential Loan Rates Effective as of Tuesday, March 25, 2025
Mortgage Rates
Mobile-friendly Comparison table of Mortgage Rates 30 Year Fixed Rate Interest Rate 6.625% APR* 6.753% Details
360
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0 115000.00 1508.00 20 Year Fixed Rate Interest Rate 6.250% APR* 6.416% Details
240
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0 115000.00 1508.00 15 Year Fixed Rate Interest Rate 5.875% APR* 6.081% Details
180
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0 115000.00 1508.00
Comparison table of Mortgage Rates
Interest Rate
APR*
Details
30 Year Fixed Rate
6.625%
6.753%
360
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0
115000.00
1508.00
20 Year Fixed Rate
6.250%
6.416%
240
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0
115000.00
1508.00
15 Year Fixed Rate
5.875%
6.081%
180
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0
115000.00
1508.00
Adjustable-Rate Mortgages
Mobile-friendly Comparison table of Adjustable-Rate Mortgages 5 Year Adjustable Rate Interest Rate 5.750% APR* 5.872% Details
360
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0 115000.00 1508.00 7 Year Adjustable Rate Interest Rate 6.000% APR* 6.123% Details
360
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0 115000.00 1508.00
Comparison table of Adjustable-Rate Mortgages
Interest Rate
APR*
Details
5 Year Adjustable Rate
5.750%
5.872%
360
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0
115000.00
1508.00
7 Year Adjustable Rate
6.000%
6.123%
360
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0
115000.00
1508.00
Home Equity Loans
Mobile-friendly Comparison table of Home Equity Loans 10 Year Home Equity Fixed Rate Interest Rate 7.190% APR* 7.307% Details
120
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0 30000.00 155.00 5 Year Home Equity Fixed Rate Interest Rate 6.690% APR* 6.907% Details
60
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0 30000.00 155.00
Comparison table of Home Equity Loans
Interest Rate
APR*
Details
10 Year Home Equity Fixed Rate
7.190%
7.307%
120
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0
30000.00
155.00
5 Year Home Equity Fixed Rate
6.690%
6.907%
60
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0
30000.00
155.00
Construction Loans
Mobile-friendly Comparison table of Construction Loans 1 Year Construction Loan Fixed Rate Interest Rate 5.750% APR* 8.592% Details
12
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0 115000.00 1505.00
Comparison table of Construction Loans
Interest Rate
APR*
Details
1 Year Construction Loan Fixed Rate
5.750%
8.592%
12
Learn More
0
115000.00
1505.00
Home Equity Line of Credit
Mobile-friendly Table for the term and APR of Home Equity Lines of Credit 10 Year Home Equity Line of Credit Variable Rate Interest Rate/APR The Prime Rate published daily in the “Money Rate” table in the Wall Street Journal (currently 7.500%). Term This loan contains a ten-year draw period followed by a balloon payment of the outstanding principal balance together with any outstanding finance charges. Details Learn More
Table for the term and APR of Home Equity Lines of Credit
Interest Rate/APR
Term
Details
10 Year Home Equity Line of Credit Variable Rate
The Prime Rate published daily in the “Money Rate” table in the Wall Street Journal (currently 7.500%).
This loan contains a ten-year draw period followed by a balloon payment of the outstanding principal balance together with any outstanding finance charges.
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*Important Notices
Please note that the interest rate, annual percentage rate, and fees shown above are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here. Your actual rate, payment, and costs could be higher. For non-HELOC loans get an official Loan Estimate before choosing a loan. The information provided above reflects estimates of the charges which you are likely to incur at your home loan closing. The fees listed are estimates and the actual charges may be more or less. Your transaction may or may not involve a fee for every item listed. These estimates are provided to you as a courtesy, and none of the terms contained in this document are guaranteed or binding on us. This document does not constitute an offer to extend credit.
The interest rates, annual percentage rates (APRs), and points shown are subject to change without notice and depend in part on your unique credit history and transaction characteristics.
Your APR will vary based on your final loan amount and finance charges.
Interest rates are for single-family, primary residence based on a rate lock period of 30 days.
The fee estimate does not include advances that may be required at closing, such as interest due at closing or initial deposits for escrow accounts, if applicable.
You are required to pay homeowners insurance and property taxes in addition to your loan payment. If required, you will also have a monthly mortgage insurance payment. These payments may be required to be escrowed and paid as part of your regular monthly loan payments.
For ARM loans, interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease according to the market index.
The Bank makes such loans without regard to race, color, religion, national origin, sex, handicap or familial status.
Consumer Loan Rates
Consumer Loan Rates Effective as of February 25, 2025
Auto Loans
Mobile-friendly Comparison table of Auto Loans Model Year
2023 or Newer
20000.00
66
75.00
Term 66 Annual Percentage Rate (APR) as low as*
6.864%
6.720%
Monthly Payment
$363.31
2023 or Newer
20000.00
60
75.00
Term 60 Annual Percentage Rate (APR) as low as*
6.878%
6.720%
Monthly Payment
$393.39
2023 or Newer
20000.00
48
75.00
Term 48 Annual Percentage Rate (APR) as low as*
6.914%
6.720%
Monthly Payment
$476.33
2023 or Newer
20000.00
36
75.00
Term 36 Annual Percentage Rate (APR) as low as*
6.974%
6.720%
Monthly Payment
$614.98
2022 to 2016
20000.00
60
75.00
Term 60 Annual Percentage Rate (APR) as low as*
7.528%
7.370%
Monthly Payment
$399.52
2022 to 2016
20000.00
48
75.00
Term 48 Annual Percentage Rate (APR) as low as*
7.565%
7.370%
Monthly Payment
$482.37
2022 to 2016
20000.00
36
75.00
Term 36 Annual Percentage Rate (APR) as low as*
7.625%
7.370%
Monthly Payment
$620.93
2015 or Older
20000.00
36
75.00
Term 36 Annual Percentage Rate (APR) as low as*
9.197%
8.940%
Monthly Payment
$635.44
Comparison table of Auto Loans
Model Year
Term
Annual Percentage Rate (APR) as low as*
Monthly Payment
2023 or Newer
20000.00
66
75.00
66
6.864%
6.720%
$363.31
2023 or Newer
20000.00
60
75.00
60
6.878%
6.720%
$393.39
2023 or Newer
20000.00
48
75.00
48
6.914%
6.720%
$476.33
2023 or Newer
20000.00
36
75.00
36
6.974%
6.720%
$614.98
2022 to 2016
20000.00
60
75.00
60
7.528%
7.370%
$399.52
2022 to 2016
20000.00
48
75.00
48
7.565%
7.370%
$482.37
2022 to 2016
20000.00
36
75.00
36
7.625%
7.370%
$620.93
2015 or Older
20000.00
36
75.00
36
9.197%
8.940%
$635.44
The minimum loan amount on an auto loan is $2,000.00. APR based on a loan amount of $20,000.00.
*The Annual Percentage Rates (APRs) listed are subject to change without notice and depend in part on your unique credit history and the transaction characteristics. Your APR may be different then what is listed here. The APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account. Borrowers will lose the discount if the automatic loan payment is removed at any point during the life of the loan. Single pay loans are not eligible for the discount. Please contact First Security Bank and Trust for additional details.
Powersports
Mobile-friendly Comparison table of Powersports Model Year
2023 or Newer
10000.00
60
75.00
Term 60 Annual Percentage Rate (APR) as low as*
8.159%
7.840%
Monthly Payment
$202.00
2023 or Newer
10000.00
48
75.00
Term 48 Annual Percentage Rate (APR) as low as*
8.232%
7.840%
Monthly Payment
$243.38
2023 or Newer
10000.00
36
75.00
Term 36 Annual Percentage Rate (APR) as low as*
8.352%
7.840%
Monthly Payment
$312.63
2022 to 2016
10000.00
60
75.00
Term 60 Annual Percentage Rate (APR) as low as*
8.811%
8.490%
Monthly Payment
$205.12
2022 to 2016
10000.00
48
75.00
Term 48 Annual Percentage Rate (APR) as low as*
8.884%
8.490%
Monthly Payment
$246.44
2022 to 2016
10000.00
36
75.00
Term 36 Annual Percentage Rate (APR) as low as*
9.004%
8.490%
Monthly Payment
$315.63
2015 or Older
10000.00
36
75.00
Term 36 Annual Percentage Rate (APR) as low as*
12.314%
11.790%
Monthly Payment
$331.14
Comparison table of Powersports
Model Year
Term
Annual Percentage Rate (APR) as low as*
Monthly Payment
2023 or Newer
10000.00
60
75.00
60
8.159%
7.840%
$202.00
2023 or Newer
10000.00
48
75.00
48
8.232%
7.840%
$243.38
2023 or Newer
10000.00
36
75.00
36
8.352%
7.840%
$312.63
2022 to 2016
10000.00
60
75.00
60
8.811%
8.490%
$205.12
2022 to 2016
10000.00
48
75.00
48
8.884%
8.490%
$246.44
2022 to 2016
10000.00
36
75.00
36
9.004%
8.490%
$315.63
2015 or Older
10000.00
36
75.00
36
12.314%
11.790%
$331.14
The minimum loan amount on a Powersports loans is $2,000.00. APR based on a loan amount of $10,000.00.
*The Annual Percentage Rates (APRs) listed are subject to change without notice and depend in part on your unique credit history and the transaction characteristics. Your APR may be different then what is listed here. The APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account. Borrowers will lose the discount if the automatic loan payment is removed at any point during the life of the loan. Single pay loans are not eligible for the discount. Please contact First Security Bank and Trust for additional details.
Unsecured Loans
Mobile-friendly Comparison table of Unsecured Loans Loan Type
Unsecured
5000.00
48
75.00
Term 48 Annual Percentage Rate (APR) as low as*
13.216%
12.400%
Monthly Payment
$132.65
Unsecured
5000.00
36
75.00
Term 36 Annual Percentage Rate (APR) as low as*
12.994%
11.940%
Monthly Payment
$165.93
Unsecured
5000.00
24
75.00
Term 24 Annual Percentage Rate (APR) as low as*
13.468%
11.940%
Monthly Payment
$235.23
Comparison table of Unsecured Loans
Loan Type
Term
Annual Percentage Rate (APR) as low as*
Monthly Payment
Unsecured
5000.00
48
75.00
48
13.216%
12.400%
$132.65
Unsecured
5000.00
36
75.00
36
12.994%
11.940%
$165.93
Unsecured
5000.00
24
75.00
24
13.468%
11.940%
$235.23
The minimum loan amount on an unsecured loan is $2,000.00 with a minimum repayment period of 7 months. The maximum loan amount on an unsecured loan is $20,000.00. APR based on a loan amount of $5,000.00.
*The Annual Percentage Rates (APRs) listed are subject to change without notice and depend in part on your unique credit history and the transaction characteristics. Your APR may be different then what is listed here. The APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account. Borrowers will lose the discount if the automatic loan payment is removed at any point during the life of the loan. Single pay loans are not eligible for the discount. Please contact First Security Bank and Trust for additional details.
Small Dollar Loans
Mobile-friendly Comparison table of Small Dollar Loans Loan Type
Small Dollar
1500.00
24
0
Term 24 Annual Percentage Rate (APR) as low as*
17.757%
17.757%
Monthly Payment
$74.71
Comparison table of Small Dollar Loans
Loan Type
Term
Annual Percentage Rate (APR) as low as*
Monthly Payment
Small Dollar
1500.00
24
0
24
17.757%
17.757%
$74.71
The minimum loan amount on a small dollar loan is $1,000.00 with a maximum loan amount of $1,999.99. The minimum repayment period is 7 months. APR based on a loan amount of $1,500.00.
*The Annual Percentage Rates (APRs) listed are subject to change without notice and depend in part on your unique credit history and the transaction characteristics. Your APR may be different then what is listed here. The APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account. Borrowers will lose the discount if the automatic loan payment is removed at any point during the life of the loan. Single pay loans are not eligible for the discount. Please contact First Security Bank and Trust for additional details.
Mobile-friendly Table for the term and APR of CD secured loans Loan Type CD Secured Term 60 Annual Percentage Rate (APR)* 2.000% Above the rate of the CD being used as collateral.
Table for the term and APR of CD secured loans
Loan Type
Term
Annual Percentage Rate (APR)*
CD Secured
60
2.000% Above the rate of the CD being used as collateral.
Minimum loan amount on a CD secured loan is $2,000.00 with a minimum repayment period of 7 months. Minimum 4.000% APR.
Mobile-friendly Table for Safety Check term and APR Loan Type Safety Check Term Open Annual Percentage Rate (APR)* 18.000% Click here for important product information.
Table for Safety Check term and APR
Loan Type
Term
Annual Percentage Rate (APR)*
Safety Check
Open
18.000%
Click here for important product information.
Minimum loan amount on a Safety Check is $300.00.
*The Annual Percentage Rates (APRs) listed are subject to change without notice and depend in part on your unique credit history and the transaction characteristics.
The Bank makes such loans without regard to race, color, religion, national origin, sex, handicap or familial status.
Deposit Rates Effective as of Wednesday, March 26, 2025.
Mobile-friendly Table for checking account interest rates Product Kasasa Cash^ On Balances On balances less than or equal to $15,000.00 Interest Rate Paid 1.58% APY* 1.59% Open Now Kasasa Cash^ On Balances On balances greater than $15,000.00 Interest Rate Paid 0.06% APY* 1.59% – 0.15% Kasasa Cash^ On Balances If qualifications are not met (paid on entire balance) Interest Rate Paid 0.05% APY* 0.05%
Table for checking account interest rates
Product
On Balances
Interest Rate Paid
APY*
Kasasa Cash^
On balances less than or equal to $15,000.00
1.58%
1.59%
Open Now
On balances greater than $15,000.00
0.06%
1.59% – 0.15%
If qualifications are not met (paid on entire balance)
0.05%
0.05%
*Annual Percentage Yield (APY) is accurate as of the date posted. These rates may change at any time without prior notice. Fees may reduce earnings.
^The minimum to open account is $100.00. When the monthly qualifications are met on your Kasasa Cash or Kasasa Cash Back account, the Kasasa Cash or Kasasa Cash Back account interest earned and ATM surcharge fee refunds will be credited to your account on the day the statement cycles. Qualifying transactions must post and settle the Kasasa Cash or Kasasa Cash Back account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post and settle to the Kasasa Cash or Kasasa Cash Back account. ATM-processed transactions and transfers between accounts do not count as qualifying transactions. The monthly qualification cycle is not the same as your monthly statement cycle. Monthly qualification cycle means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.
monthly qualifications .
Mobile-friendly Table for savings account rates Product Kasasa Saver^ On Balances On balances less than or equal to $15,000.00 Interest Rate Paid 1.18% APY* 1.19% Open Now Kasasa Saver^ On Balances On balances greater than $15,000.00 Interest Rate Paid 0.08% APY* 1.19% – 0.15% Kasasa Saver^ On Balances If qualifications are not met (paid on entire balance) Interest Rate Paid 0.05% APY* 0.05% Investor’s Advantage Savings** On Balances $0.00 – $9,999.99 Interest Rate Paid 0.34% APY* 0.34% Contact Us Investor’s Advantage Savings** On Balances $10,000.00 – $24,999.99 Interest Rate Paid 0.34% APY* 0.34% Investor’s Advantage Savings** On Balances $25,000.00 – $49,999.99 Interest Rate Paid 0.66% APY* 0.66% Investor’s Advantage Savings** On Balances $50,000.00 – $99,999.99 Interest Rate Paid 0.87% APY* 0.88% Investor’s Advantage Savings** On Balances $100,000.00 – $249,999.99 Interest Rate Paid 1.89% APY* 1.91% Investor’s Advantage Savings** On Balances $250,000.00 – $499,999.99 Interest Rate Paid 2.04% APY* 2.06% Investor’s Advantage Savings** On Balances On balances equal to or greater than $500,000.00 Interest Rate Paid 2.14% APY* 2.17%
Table for savings account rates
Product
On Balances
Interest Rate Paid
APY*
Kasasa Saver^
On balances less than or equal to $15,000.00
1.18%
1.19%
Open Now
On balances greater than $15,000.00
0.08%
1.19% – 0.15%
If qualifications are not met (paid on entire balance)
0.05%
0.05%
Investor’s Advantage Savings**
$0.00 – $9,999.99
0.34%
0.34%
Contact Us
$10,000.00 – $24,999.99
0.34%
0.34%
$25,000.00 – $49,999.99
0.66%
0.66%
$50,000.00 – $99,999.99
0.87%
0.88%
$100,000.00 – $249,999.99
1.89%
1.91%
$250,000.00 – $499,999.99
2.04%
2.06%
On balances equal to or greater than $500,000.00
2.14%
2.17%
*Annual Percentage Yield (APY) is accurate as of the date posted. These rates may change at any time without prior notice. Fees may reduce earnings.
**The minimum to open an account is $10,000.00.
^The minimum to open an account is $100.00. When the monthly qualifications are met on your Kasasa checking account, the Kasasa checking account rewards, interest earned and ATM surcharge fee refunds will be automatically transferred to the Kasasa Saver account. Qualifying transactions must post to and settle the Kasasa checking account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle the Kasasa checking account. ATM-processed transactions and transfers between accounts do not count as qualifying transactions. The monthly qualification cycle is not the same as your monthly statement cycle. Monthly qualification cycle means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.
monthly qualifications .
Certificates of Deposit
Mobile-friendly Comparison table of Certificates of Deposit Term 3-5 months Minimum Required Opening Deposit $2,500.00 + Interest Rate 1.07% APY* 1.07% 6–11 Months Minimum Required Opening Deposit $2,500.00 + Interest Rate 1.57% APY* 1.58% 12–23 Months Minimum Required Opening Deposit $2,500.00 + Interest Rate 1.82% APY* 1.83% 24–35 Months Minimum Required Opening Deposit $2,500.00 + Interest Rate 2.02% APY* 2.03% 36–47 Months Minimum Required Opening Deposit $2,500.00 + Interest Rate 2.12% APY* 2.13% 48–59 Months Minimum Required Opening Deposit $2,500.00 + Interest Rate 2.22% APY* 2.24% 60 Months Minimum Required Opening Deposit $2,500.00 + Interest Rate 2.32% APY* 2.34%
Comparison table of Certificates of Deposit
Term
Minimum Required Opening Deposit
Interest Rate
APY*
3-5 months
$2,500.00 +
1.07%
1.07%
6–11 Months
$2,500.00 +
1.57%
1.58%
12–23 Months
$2,500.00 +
1.82%
1.83%
24–35 Months
$2,500.00 +
2.02%
2.03%
36–47 Months
$2,500.00 +
2.12%
2.13%
48–59 Months
$2,500.00 +
2.22%
2.24%
60 Months
$2,500.00 +
2.32%
2.34%
*Annual Percentage Yield (APY) is accurate as of the date posted. These rates may change at any time without prior notice. Early withdrawal penalty may be assessed on funds withdrawn prior to maturity on time deposits. The interest rate is fixed during the initial term. The interest could adjust at the time the CD renews.
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