Keep your dream home in your line of sight
With FOCUS, you can get the rates, terms, or refinancing options that align with your budget and long-term goals.
Benefits You’ll Love
- Explore a variety of loan programs
- Access potential savings when you refinance
- Take advantage of a wide variety of terms to meet unique needs
- Work with local lenders for local decision-making and faster processing
- Low, competitive mortgage rates
- Terms to fit your budget and needs
- A variety of loans available:
- Conventional Fixed Rate Loans
- Rural Development Loans
- FHA/VA Fixed Rate Loans
- No pre-payment penalty
- Refinance and save money
- Expert, personal service at every step
- Local decisions for faster results
Learn more about the home loan process with our Settlement Cost Booklet (PDF) from the U.S. Department of Housing and Urban Development.
- Competitive mortgage rates
- Expert, personal service at every step
- Local decisions for faster results
We are pleased to also offer Adjustable-Rate Loans. For more information about our In-House ARM's, please contact your nearest branch.
You’ll need the following information to apply for Secondary Market/Conventional Fixed Rate Loans:
- Name
- Social Security Number
- Date of Birth
- Address of Property
- Employment History
- Assets & Liabilities
- Income Information
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Example Rate
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $15,000 | $x | 0.00% | 0.00% |
| $15,000+ | $x | 0.00% | 0.00% |
| All balances if qualifications not met | $x | 0.00% | 0.00% |
Qualifications
xx
Online Only Specials
| Term | Minimum Opening Deposit | Rate | *APY |
|---|---|---|---|
| 7 Month Online CD Special | $1000 | 4.25% | 4.32%* |
| 11 Month Online CD Special | $1000 | 4.00% | 4.06%* |
| Call for In-Branch CD Rates |
7 month online only CD -
*Annual percentage yield. Annual Percentage Rate 4.32%. $1000 minimum deposit to open. Interest is compounded quarterly. Effective date 11/07/2024. Auto-renew provision with certificate renewing for 6 months at the going rate. Penalty for early withdrawal. Certain conditions and restrictions may apply. See website for details. MEMBER FDIC
11 month online only CD -
*Annual percentage yield. Annual Percentage Rate 4.06%. $1000 minimum deposit to open. Interest is compounded quarterly. Effective date 11/07/2024. Auto-renew provision with certificate renewing for 12 months at the going rate. Penalty for early withdrawal. Certain conditions and restrictions may apply. See website for details. MEMBER FDIC
Please call 800-464-3150 or your local branch for in-branch specific rates.
