Deposit Rates
Savings Interest Rates & Terms
| Product |
Interest Rate |
APY* |
Daily Balances Required to Obtain APY** |
| Statement Savings |
0.25% |
0.25% |
$10.00 |
| Passbook Savings |
0.20% |
0.20% |
$10.00 |
| Holiday Club |
0.39% |
0.39% |
$5.00-$50.00 |
| Money Market |
0.15% |
0.15% |
$1,000-$9,999.99 |
| Money Market |
0.34% |
0.35% |
$10,000-$49,999.99 |
| Money Market |
0.44% |
0.45% |
$50,000 and over |
*Annual Percentage Yield.
**Fees may reduce earnings.These are Variable Rate Accounts. Rates may change after the account is opened. Contact RSI Bank for full disclosure. Rates effective as of
12/26/2019
and are subject to change without notice.
CD Interest Rates & Terms
| Product |
Interest Rate |
APY* |
Daily Balances Required to Obtain APY** |
| 3 Month |
0.25% |
0.25% |
$1,000 |
| 5 Month |
1.95% |
2.00% |
$1,000 |
| 6 Month |
0.88% |
0.90% |
$1,000 |
| 7 Month |
1.23% |
1.25% |
$1,000 |
| 9 Month |
0.98% |
1.00% |
$1,000 |
| 11 Month |
1.47% |
1.50% |
$1,000 |
| 12 Month |
1.52% |
1.55% |
$1,000 |
| 12 Month Tax Deferred |
1.52% |
1.55% |
$1,000 |
| 13 Month |
1.57% |
1.60% |
$1,000 |
| 14 Month |
1.86% |
1.90% |
$1,000 |
| 15 Month |
1.71% |
1.75% |
$1,000 |
| 18 Month |
1.47% |
1.50% |
$1,000 |
| 24 Month |
1.47% |
1.50% |
$1,000 |
| 25 Month |
1.47% |
1.50% |
$1,000 |
| 36 Month |
1.37% |
1.40% |
$1,000 |
| 37 Month |
1.42% |
1.45% |
$1,000 |
| 48 Month |
1.47% |
1.50% |
$1,000 |
| 49 Month |
1.47% |
1.50% |
$1,000 |
| 60 Month |
1.52% |
1.55% |
$1,000 |
| 61 Month |
1.52% |
1.55% |
$1,000 |
*Annual Percentage Yield.
**Fees may reduce earnings. Contact RSI Bank for full disclosure. RSI Bank may impose a penalty on a CD if you withdraw any of the principal before maturity date. Rates effective as of
12/26/2019
and are subject to change without notice.
Checking Interest Rates & Terms
| Product |
Interest Rate |
APY* |
Daily Balances Required to Obtain APY** |
| Free Personal Checking |
N/A |
N/A |
$10.00 |
| Business Checking |
N/A |
N/A |
$100.00 |
| I-Checking |
0.10% |
0.10% |
$500-$999.99 |
| I-Checking |
0.15% |
0.15% |
$1,000-$4,999.99 |
| I-Checking |
0.20% |
0.20% |
$5,000-$9,999.99 |
| I-Checking |
0.25% |
0.25% |
$10,000-$24,999.99 |
| I-Checking |
0.30% |
0.30% |
$25,000 and over |
| Asset Management |
0.44% |
0.45% |
$50,000-$99,999.99 |
| Asset Management |
0.68% |
0.69% |
$100,000 and over |
*Annual Percentage Yield.
**Fees may reduce earnings. Contact RSI Bank for full disclosure. These are Variable Rate Accounts. Rates may change after the account is opened. Rates effective as of
12/26/2019
and are subject to change without notice.
IRA Interest Rates & Terms
| Product |
Interest Rate |
APY* |
Daily Balances Required to Obtain APY** |
| IRA Green |
0.25% |
0.25% |
$100 |
| 6 Month IRA |
0.88% |
0.90% |
$250 |
| 7 Month IRA |
1.23% |
1.25% |
$250 |
| 9 Month IRA |
0.98% |
1.00% |
$250 |
| 11 Month IRA |
1.47% |
1.50% |
$250 |
| 12 Month IRA |
1.52% |
1.55% |
$250 |
| 13 Month IRA |
1.57% |
1.60% |
$250 |
| 14 Month IRA |
1.86% |
1.90% |
$250 |
| 15 Month IRA |
1.71% |
1.75% |
$250 |
| 18 Month IRA |
1.47% |
1.50% |
$250 |
| 24 Month IRA |
1.47% |
1.50% |
$250 |
| 25 Month IRA |
1.47% |
1.50% |
$250 |
| 36 Month IRA |
1.37% |
1.40% |
$250 |
| 37 Month IRA |
1.42% |
1.45% |
$250 |
| 48 Month IRA |
1.47% |
1.50% |
$250 |
| 49 Month IRA |
1.47% |
1.50% |
$250 |
| 60 Month IRA |
1.52% |
1.55% |
$250 |
| 61 Month IRA |
1.52% |
1.55% |
$250 |
*Annual Percentage Yield.
**Fees may reduce earnings. Contact RSI Bank for full disclosure. RSI Bank may impose a penalty on a CD IRA account if you withdraw any of the principal before the maturity date. IRA Green Savings accounts are variable rate accounts and rates may change after the account is opened. Consult your tax adviser regarding withdrawals. Rates effective as of
12/26/2019
and are subject to change without notice.
Mortgage Interest Rates & Terms
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| Loan Type |
Interest Rate |
Points |
APR* |
Loan Amount |
Cost per $1,000 |
| 10/2 First Time Homebuyer |
3.750% |
0 PTS |
3.883% |
up to $500,000 |
$4.64 |
| 10 Year Fixed Rate |
3.125% |
0 PTS |
3.129% |
up to $510,400 |
$9.72 |
| 15 Year Fixed Rate |
3.125% |
0 PTS |
3.128% |
up to $510,400 |
$6.97 |
| 15 Year Fixed Bi-Weekly |
3.000% |
0 PTS |
3.003% |
up to $510,400 |
$6.91 |
| 20 Year Fixed Rate |
3.500% |
0 PTS |
3.503% |
up to $510,400 |
$5.80 |
| 20 Year Fixed Bi-Weekly |
3.500% |
0 PTS |
3.503% |
up to $510,400 |
$5.80 |
| 30 Year Fixed Rate |
3.625% |
0 PTS |
3.627% |
up to $510,400 |
$4.57 |
| 5/5 Year ARM |
3.250% |
0 PTS |
3.901% |
up to $510,400 |
$4.361 |
| 7/1 Year ARM |
3.250% |
0 PTS |
3.745% |
up to $510,400 |
$4.362 |
| 10/2 Year ARM |
3.500% |
0 PTS |
3.769% |
up to $510,400 |
$4.503 |
| Loan assumptions and disclosures |
|
|
|
|
|
| 10 Year Fixed Jumbo Tier 1 |
3.125% |
0 PTS |
3.129% |
up to $765,600 |
$9.72 |
| 10 Year Fixed Jumbo Tier 2 |
3.125% |
0 PTS |
3.128% |
$765,601 - $1,000,000 |
$9.72 |
| 15 Year Fixed Jumbo Tier 1 |
3.125% |
0 PTS |
3.128% |
up to $765,600 |
$6.97 |
| 15 Year Fixed Jumbo Tier 2 |
3.125% |
0 PTS |
3.127% |
$765,601 - $1,000,000 |
$6.97 |
| 15 Year Bi-Weekly Jumbo Tier 1 |
3.000% |
0 PTS |
3.003% |
up to $765,600 |
$6.91 |
| 15 Year Bi-Weekly Jumbo Tier 2 |
3.125% |
0 PTS |
3.127% |
$765,601- $1,000,000 |
$6.97 |
| 30 Year Fixed Jumbo |
3.875% |
0 PTS |
3.876% |
up to $765,600 |
$4.71 |
| 5/5 Year ARM Jumbo |
3.250% |
0 PTS |
3.901% |
up to $1,000,000 |
$4.361 |
| 7/1 Year ARM Jumbo |
3.250% |
0 PTS |
3.745% |
up to $1,000,000 |
$4.362 |
| 10/2 Year ARM Jumbo Tier 1 |
3.500% |
0 PTS |
3.769% |
up to $765,600 |
$4.503 |
| 10/2 Year ARM Jumbo Tier 2 |
3.625% |
0 PTS |
3.826% |
$765,601 - $1,000,000 |
$4.573 |
| Loan assumptions and disclosures |
|
|
|
|
|
*APR = Annual Percentage Rate.
Rates are subject to change without notice.
Rates last updated on
1/16/2020
.
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1 The monthly payment per $1,000 borrowed is shown for the first 60 monthly payments.
2 The monthly payment per $1,000 borrowed is shown for the first 84 monthly payments.
3 The monthly payment per $1,000 borrowed is shown for the first 120 monthly payments.