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BANK BORROW PLAN & INVEST
RATES
North Shore Bank of Commerce

Rates


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Current Rates


Rates effective as of 11/8/2019
CERTIFICATES OF DEPOSIT





Term Minimum Investment Rate APY
91 Days $1,000 0.10% 0.10%
6 Months $1,000 0.10% 0.10%
6 Months $2,500 0.20% 0.20%
12 Months $1,000 0.20% 0.20%
12 Months $2,500 0.35% 0.35%
24 Months $1,000 0.35% 0.35%
24 Months $2,500 0.55% 0.55%
30 Months $1,000 0.55% 0.55%
30 Months $2,500 0.60% 0.60%
36 Months $1,000 0.60% 0.60%
36 Months $2,500 0.70% 0.70%
48 Months $1,000 0.70% 0.70%
48 Months $2,500 0.95% 0.95%
60 Months $1,000 1.05% 1.05%
60 Months $2,500 1.20% 1.20%



- Time deposit account interest compounds annually.

-The Annual Percentage Yield (APY) assumes interest is deposited into the Certificate of Deposit quarterly, and not withdrawn. Fees may reduce earnings. A penalty will be charged if you make an early withdrawal of the principle balance.

DEPOSIT RATES




MINIMUM BALANCE Rate APY
BTC Checking**
$0 0.10% 0.10%
$1,000 0.10% 0.10%
$5,000 0.15% 0.15%
$25,000 0.15% 0.15%
$100,000 0.20% 0.20%



Insured Investment | Money Market**
Minimum Balance
Rate
APY
$0 0.10% 0.10%
$2,500 0.15% 0.15%
$25,000 0.15% 0.15%
$100,000 0.20% 0.20%
$250,000 0.20% 0.20%



Preferred Investment | Money Market**
Minimum Balance
Rate
APY
$0 0.10% 0.10%
$15,000 0.35% 0.35%
$25,000 0.50% 0.50%
$100,000 0.50% 0.50%
$250,000 0.50% 0.50%



Premier Checking**
Minimum Balance
Rate
APY
$0 0.10% 0.10%



Premier Sweep**
Minimum Balance
Rate
APY
$0 0.10% 0.10%
$10,000 0.15% 0.15%
$50,000 0.25% 0.25%
$100,000 0.25% 0.25%
$250,000 0.35% 0.35%



Regular Savings
Minimum Balance
Rate
APY
$0 0.10% 0.10%
$1,000 0.10% 0.10%
$5,000 0.15% 0.15%
$25,000 0.15% 0.15%
$100,000 0.20% 0.20%

**Variable rate accounts. Rates may change after account opening. Interest is compounded monthly.
-Annual Percentage Yield (APY) is the effective annual interest rate. Fees may reduce earnings. Minimum $100 opening deposit required.
-Both Premier Checking and Premier Sweep are required to open and maintain the Premier relationship account.
MORTGAGE RATES




Term Rate APR1 PAYMENT3
Conventional Fixed | $100,000 and over
15 Years 3.125% 3.360% $696.61
20 Years 3.625% 3.810% $586.40
30 Years 3.750% 3.883% $463.12




FHA | $100,000 and over
Term
Rate
APR2
PAYMENT3
30 Years 3.500% 4.654% $453.54




VA | $100,000 and over
Term
Rate
APR1
PAYMENT3
30 Years 3.375% 3.624% $442.10





Rates are not guaranteed until you sign a locked interest rate agreement. Rates are subject to change without notice. Rates and terms vary depending on the specific loan characteristics and applicant credit profile. Other rates and products are available, including VA loans. Rates quoted are 45-day locks for single family, owner occupied, primary residence only.

Jumbo loans (loan amount greater than $453,100) and loans less than $100,000 may differ in rate.

1  These Rates and Annual Percentage Rates (APR) assume a loan amount of $100,000 with a 20% down payment. A down payment of less than 20% would require private mortgage insurance, which would increase the APR.

2  The FHA Rate and Annual Percentage Rate assume a loan amount of $101,750 (base loan amount of $100,000 plus 1.75% financed upfront mortgage insurance premium) and a 3.5% down payment.

3  Payment equals the monthly principal and interest payment for conventional loans. The FHA payment does not include the monthly mortgage insurance premium. Payment does not include taxes and hazard insurance premium. Total payment obligation will be greater.
AUTO LOAN RATES




Vehicle Age Term APR
New ($20,000 minimum)
72 Months
 4.50%
Less than 1 Year 60 Months 4.50%
1 - 3 Years 48 Months 5.50%
4 - 7 Years 36 Months 5.50%
8+ Years 24 Months 5.50%

-Annual Percentage Rate (APR) and Interest Rate are the same.
-Rates are subject to change without notice. Rates and terms vary depending on the specific loan characteristics and applicant credit profile.
-1/2% discount if loan has Automatic Funds Transfer (AFT) payments from DDA (Checking) ONLY
* Call for terms and conditions.
HOME EQUITY RATES




DESCRIPTION TERMS APR
1st Mortgage Up to 80% LTV* 5.05%
2nd Mortgage Up to 80% LTV* 4.50%
2nd Mortgage 80-100% LTV* 5.00%
Home Equity Line of Credit Up to 80% LTV** 4.75%
Home Equity Line of Credit 80-100% LTV*** 5.75%
Unsecured Home Improvement Loan Up to $7,500 6.75%
- Annual Percentage Rate (APR) and Interest Rate are the same.
- Rates are subject to change without notice. Rates and terms vary depending on the specific loan characteristics and applicant credit profile.
Home Equity Loans can be amortized over a variety of terms. Please call for current terms and conditions. 
*Non-owner occupied add 1%
**Home Equity Line of Credit (Up to 80% LTV) has a variable interest rate tied to the Wall Street Journal Prime rate. The current margin is Wall Street Journal Prime + 0%. The maximum ANNUAL PERCENTAGE RATE that can apply during the plan is 21.75%. The minimum ANNUAL PERCENTAGE RATE that can apply is 4.00%.
***Home Equity Line of Credit (Up to 100% LTV) has a variable interest rate tied to the Wall Street Journal Prime rate. The current margin is Wall Street Journal Prime + 1%. The maximum ANNUAL PERCENTAGE RATE that can apply during the plan is 21.75%. The minimum ANNUAL PERCENTAGE RATE that can apply is 5.00%.
-Wall Street Journal Prime Rate = 4.75% as of 10/31/2019 (Subject to change see http://www.bankrate.com/rates/interest-rates/wall-street-prime-rate.aspx for up-to-date rate information.)
PERSONAL LOAN RATES




LOAN TYPE Loan Amount APR
Unsecured $2,500 and over 8.25%
Personal Line of Credit Up to $4,999 12.75%
Personal Line of Credit $5,000 and over 9.75%
Ready Money
15.90%
- Annual Percentage Rate (APR) and Interest Rate are the same.
- Rates are subject to change without notice. Rates and terms vary depending on the specific loan characteristics and applicant credit profile. Please call for current terms and conditions.
*Personal Lines of Credit rates are variable and tied to the Wall Street Journal Prime Rate. Current WSJ Prime Rate = 4.75% as of 10/31/2019 (Subject to change see http://www.bankrate.com/rates/interest-rates/wall-street-prime-rate.aspx for up-to-date rate information.)