ACH Schedule for Thanksgiving Day

In observance of the Thanksgiving Day federal holiday, we will be closed Thursday, November 23. Business Online Banking ACH files must be received by Tuesday, November 21, in order to settle before the upcoming holiday. ACH files received on Wednesday, November 22, will not settle until Friday, November 24.

Mortgage Loan Types & Programs

Choosing the right mortgage to suit your needs is important—we’re here to help.¹

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Conventional

Conventional mortgages are insured by private mortgage insurance and generally allow more flexibility when choosing a home. Conventional mortgage loans are a great option for buyers with good or excellent credit.

Fixed Rate Mortgages

The loan, interest and fees remain the same for the duration of the loan. Fixed-rate mortgage loans are typically offered in 15- and 30-year terms.

Adjustable Rate Mortgages

The rates and fees remain the same for a fixed period of time and then adjust up or down based on market conditions for the duration of the loan.

Government

Government mortgage loans are backed by the government—not the bank. These loans may offer lower interest rates than conventional loans, which may help make home buying more affordable.

FHA Mortgages

FHA loans are insured by the Federal Housing Administration. These loans can include lower minimum down-payments and closing costs than conventional loans.

VA Mortgages

Qualified military veterans have the option to get a loan backed by the U.S. Department of Veterans Affairs. These loans don’t require a down payment but are subject to VA loan limits. While mortgage insurance typically is not required with VA loans, you may pay a funding fee.

RD Mortgages

USDA offers a 0% down payment loan to eligible applicants looking to purchase a primary residence in an eligible rural area. USDA Rural Development loans often offer lower rates than conventional loans and mortgage insurance options.