Rates

Home Loan RATES

Click below for your hometown bank’s competitive rates for a mortgage, home equity loan, new construction or other home loan need.

Fixed Rate Mortgage Loans

Comparison table of Fixed Rate Mortgage Loans
Product	Interest Rate	APR^*
30 Year Fixed Rate Mortgage \| Tri City Servicing	7.125%	7.184%
30 Year Fixed Rate Mortgage \| Servicing Sold	6.875%	6.934%
15 Year Fixed Rate Mortgage \| Tri City Servicing	6.625%	6.720%
15 Year Fixed Rate Mortgage \| Servicing Sold	6.250%	6.344%
30 Year Fixed Rate Mortgage \|WHEDA First-time Homebuyer*	6.375%	6.452%

Adjustable Rate Mortgage (ARM) Loans

Comparison table of Adjustable Rate Mortgage (ARM) Loans
Product	Interest Rate	APR^*
7 Year Adjustable Rate Mortgage (ARM)	6.375%	6.432%
5 Year Adjustable Rate Mortgage (ARM)	6.250%	6.306%

Government Loans

Comparison table of Government Loans
Product	Interest Rate	APR^*
30 Year Fixed Rate Mortgage \|VA	6.875%	7.126%
30 Year Fixed Rate Mortgage \| FHA	6.625%	7.025%

Construction and Renovation Loans

Comparison table of Construction and Renovation Loans
Product	Interest Rate	APR^*
5.99% 12-mo. \| 7 Year Construction Adjustable Rate Mortgage (ARM)	6.375%	6.820%
5.99% 12-mo. \| 5 Year Construction Adjustable Rate Mortgage (ARM)	6.250%	6.692%

Home Equity Loans and Lines of Credit

Comparison table of Home Equity Loans and Lines of Credit
Product	Interest Rate	APR^*
3.99% 6-mo. Intro Rate \| HELOC	6.990%	6.990%
5.99% 12-mo. Intro Rate \| HELOC	6.990%	6.990%
5 Year Home Equity Loan	6.875%	6.875%
10 Year Home Equity Loan	7.750%	7.750%

Rapid Refinance Home Equity Loans

Comparison table of Rapid Refinance Home Equity Loans
Product	Interest Rate	APR^*
5 Year Fixed Rate Home Equity \| Rapid Refinance	6.000%	6.000%
10 Year Fixed Rate Home Equity \| Rapid Refinance	6.375%	6.375%

Auto Loans

Comparison table of Auto Loans
Year	Term	Interest Rate	APR^*
2024–2025 New	36 Months	5.750%	5.770%
2024–2025 New	48 Months	5.750%	5.765%
2024–2025 New	60 Months	5.900%	5.912%
2024–2025 New	72 Months	6.150%	6.161%
2019-2024 Used	36 Months	5.750%	5.770%
2019-2024 Used	48 Months	5.750%	5.765%
2019-2024 Used	60 Months	5.900%	5.912%

Personal Deposit RATES

Whether you’re looking for a checking or savings account to meet your needs, Tri City has the personal deposit option for you. Click below to view rates.

Advantage Checking

Comparison table of Advantage Checking
Tier	Interest Rate	APY^*	Minimum to Open
Below $1,500	0.01%	0.01%	$50.00
$1,500+	0.02%	0.02%	$50.00

Advantage+ Checking

Comparison table of Advantage+ Checking
Tier	Interest Rate	APY^*	Minimum to Open
Below $5,000	0.01%	0.01%	$100.00
$5,000+	0.03%	0.03%	$100.00

Everyday Savings

Comparison table of Everyday Savings
Tier	Interest Rate	APY^*	Minimum to Open
$0+	0.02%	0.02%	$100.00

Certificates of Deposit - Special

Comparison table of Certificates of Deposit - Special
Term	Interest Rate	APY^*	Minimum to Open
10 Month Personal or Business CD	3.82%	3.90%	$2,500.00

Certificates of Deposit

Comparison table of Certificates of Deposit
Term	Interest Rate	APY^*	Minimum to Open
3 Months	1.98%	2.00%	$500.00
6 Months	3.19%	3.25%	$500.00
12 Months	3.19%	3.25%	$500.00
18 Months	2.71%	2.75%	$500.00
24 Months	2.71%	2.75%	$500.00
30 Months	2.46%	2.50%	$500.00
36 Months	2.46%	2.50%	$500.00
48 Months	2.46%	2.50%	$500.00
60 Months	2.46%	2.50%	$500.00

Money Market

Comparison table of Money Market
Tier	Interest Rate	APY^*	Minimum to Open
Below $1,500.00	0.01%	0.01%	$500.00
$1,500 to $9,999.99	0.19%	0.20%	$500.00
$10,000 to $49,999.99	0.24%	0.25%	$500.00
$50,000 to $99,999.99	0.49%	0.50%	$500.00
$100,000+	0.99%	1.00%	$500.00

Money Market+

Comparison table of Money Market+
Tier	Interest Rate	APY^*	Minimum to Open
Below $250,000	0.99%	1.00%	$250,000.00
$250,000 – $499,999.99	1.98%	2.00%	$250,000.00
$500,000 – $999,999.99	2.27%	2.30%	$250,000.00
$1,000,000 – $1,999,999.99	2.56%	2.60%	$250,000.00
$2,000,000 +	2.95%	3.00%	$250,000.00

IOLTA

Comparison table of IOLTA
Tier	Interest Rate	APY^*	Minimum to Open
below $10,000	0.19%	0.20%	$50.00
$10,000 – $49,999.99	0.24%	0.25%	$50.00
$50,000 – $99,999.99	0.49%	0.50%	$50.00
$100,000 +	0.99%	1.00%	$50.00

Home Loan RATES

Mortgage

Fixed Rate Mortgage Loans

Adjustable Rate Mortgage (ARM)