Resources

Rates & Fees

Rate Checker

APY =年收益率百分比. 年利率.

Unsecured Personal Loan

Rates as of 7/27/2023

Amount
Term
Base Rate/APR*
$2,500–$7,500
6–36 months
11.500%
$5,000–$15,000
37–48 months
12.500%
$7,500–$15,000
49–60 months
13.500%

Learn More

Payment Example: A personal loan for $7,500 over a 60 month period with an APR of 13.500%的人每月支付172美元.57.
Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.


New Auto Loans

Rates as of 5/13/2024

Amount
Term
Base Rate/APR*
Min. $2,500
36 months
7.250%
Min. $2,500
60 months
7.500%
Min. $2,500
72 months
7.750%
Min. $2,500
120 months
8.000% *AFT Req.

Learn More

**Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.


二手汽车贷款/汽车贷款再融资

Rates as of 5/13/2024

Amount
Term
Base Rate/APR*
Model Year
Min. $2,500
6–60 months
8.250%
2019–23
Min. $2,500
61-72 months
9.000%
2019–23
Min. $2,500
6-48 months
9.250%
2017-18
Min. $2,500
6-36 months
10.250%
2015-16

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Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.
旧车辆除外. Add 0.50%. Max LTV 75%.


新型休闲车

Rates as of 5/13/2024

Amount
Term
Base Rate/APR*
Min. $2,500
36 months
8.250%
Min. $2,500
48 months
8.500%
Min. $2,500
60 months
8.750%

Learn More

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.
参考高级副总裁,零售贷款 & Community Development for extended terms on Luxury/High End Boats and Recreational options.


二手休闲车/再融资

Rates as of 5/13/2024

Amount
Term
Base Rate/APR*
Model Year
Min. $2,500
36 months
9.000%
2014–23
Min. $2,500
48 months
10.000%
2014–23
Min. $2,500
60 months
11.000%
2014–23

Learn More

Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.
参考高级副总裁,零售贷款 & Community Development for extended terms on Luxury/High End Boats and Recreational options.

Fixed Rate Conforming Mortgage – Primary and Secondary Residence

Rates as of 6/7/2024

Term
Interest Rate
Points
APR*
15 Years
6.500%
0
6.651%
15 Years
6.250%
1
6.400%
20 Years
6.500%
0
6.621%
20 Years
6.250%
1
6.370%
30 Years
7.000%
0
7.095%
30 Years
6.750%
1
6.843%

Learn More

Payment Example: A Home Mortgage loan for $100,000 over a 180 month period with an APR of 6.651%的人每月还款额为871美元.11. Taxes and insurance not included, your actual payment obligation may be higher.
Loan rate is ONLY guaranteed with a signed 50 day lock-in agreement. 成交前7天确定的现行价格.
最高贷款额-单户- $766,550 as of 01/01/2024 – purchase money or no cash out refi’s – primary residence only – Max LTV 95%.

  • Maximum LTV for ANY manufactured home or permanent foundation – 90% (New Build) or 80% (Purchase/Refi)
  • For 2-4 units – purchase money primary residences, maximum LTV – 80%
  • For 1 unit – owner occupied secondary residence, maximum LTV – 90%
  • 套现再融资-最高LTV - 80%
  • 大额抵押贷款利率可用-见组合贷款利率

*Interest rate and annual percentage rate (APR) are subject to change without notice. Interest rate, APR and terms may vary based on the creditworthiness of the borrower, loan-to-value ratio, 贷款金额及贷款用途. 费率是根据业主入住率计算的. 须经信贷及物业审批. 其他费率和条款. 所有的年利率和估计的月供都以100美元为基础,000元的贷款金额和80%的贷款与价值比率. Payments do not include amounts for taxes and insurance premiums, actual obligations will be greater.


Adjustable Rate Mortgages

5/6-Month ARM

Rates as of 6/7/2024

Term
Interest Rate*
Points
APR*
30 Years
6.875%
0
7.528%

首5年费率固定, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 首次调整时利率上限为2%,此后为1%. 贷款期限上限+/-5%,第二层.50%, and Margin 2.50%

7/6-Month ARM

Rates as of 6/7/2024

Term
Interest Rate*
Points
APR*
30 Years
7.000%
0
7.481%

头7年费率固定, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 首次调整时利率上限为5%,之后为1%. 贷款期限上限+/-5%,第二层.50%, and Margin 2.50%

10/6-Month ARM

Rates as of 6/7/2024

Term
Interest Rate*
Points
APR*
30 Years
7.125%
0
7.446%

头10年的费率是固定的, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 首次调整时利率上限为5%,之后为1%. 贷款期限上限+/-5%,第二层.50%, and Margin 2.50%

Loan rate is ONLY guaranteed with a signed 50 day lock-in agreement. 成交前7天确定的现行价格.

  • For 2-4 Units – Purchase Money Primary Residences, Maximum LTV – 80%
  • For 1 Unit – Owner Occupied Secondary Residence, Maximum LTV – 90%
  • 套现再融资-最高LTV - 80%
  • 大额抵押贷款利率可用-见下面的组合贷款利率

*Interest rate and annual percentage rate (APR) are subject to change without notice. Interest rate, APR and terms may vary based on the creditworthiness of the borrower, loan-to-value ratio, 贷款金额及贷款用途. 费率是根据业主入住率计算的. 须经信贷及物业审批. 其他费率和条款. 所有的年利率和估计的月供都以100美元为基础,000元的贷款金额和80%的贷款与价值比率. Payments do not include amounts for taxes and insurance premiums, actual obligations will be greater.


固定利率抵押贷款-投资

最高贷款-单户- $766,550 as of 01/01/2024 – Purchase Money or No Cash Out Refi – Max LTV 80%

**Please contact Mortgage Loan Originator for current Freddie Mac Investment Rates and corresponding Loan Level Price Adjustments.

  • 套现再融资1个单位-最高LTV - 75%
  • 套现再融资2-4个单位-最大LTV - 70%

Portfolio Mortgages

Rates as of 5/28/2024

Fixed Rates
Interest Rate
Points
APR
15 Years
7.750%
0
7.907%
15 Years
7.500%
1
7.656%
20 Years
7.875%
0
8.003%
20 Years
7.625%
1
7.752%
25 Years
8.000%
0
8.111%
25 Years
7.750%
1
7.860%
30 Years
8.000%
0
8.101%
30 Years
7.750%
1
7.849%

Payment Example: A Home Mortgage loan for $100,000 over a 180 month period with an APR of 7.907%的人每月还款额为941美元.28. Taxes and insurance not included, your actual payment obligation may be higher.
Max Loan – bank’s legal lending limit – primary or secondary 1-4 family residences, purchase or refinance.


可调利率按揭(投资组合)

5/6-Month ARM

Rates as of 5/31/2024

Term
Interest Rate
Points
APR
30 Years
7.500%
0
7.980%

首5年费率固定, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 首次调整时利率上限为2%,此后为1%. 贷款期限上限+/-5%,第二层.50%, and Margin 2.50%

7/6-Month ARM

Rates as of 5/31/2024

Term
Interest Rate
Points
APR
30 Years
7.625%
0
8.010%

头7年费率固定, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 首次调整时利率上限为5%,之后为1%. 贷款期限上限+/-5%,第二层.50%, and Margin 2.50%

10/6-Month ARM

Rates as of 5/31/2024

Term
Interest Rate
Points
APR
30 Years
7.750%
0
8.069%

头10年的费率是固定的, then adjusts every 6 months thereafter based on a 30-day compounded average of SOFR (SOFR Index) as made available by the Federal Reserve Bank of New York (New York Fed). 首次调整时利率上限为5%,之后为1%. 贷款期限上限+/-5%,第二层.50%, and Margin 2.50%

  • For Refinance Mortgages – LTV Capped at 95% for No-Cash Out Refi’s and 80% for Cash Out Refi’s
  • Maximum LTV for ANY Manufactured Home on Permanent Foundation – 90% (New Build) or 80% (Purchased/Refi)
  • 9个月I/O建造期内的新建筑融资. 0.5%建筑费用-最大LTV占总项目的90%(含PMI).
  • 对于1-2个单位-购买货币主要住宅, Maximum LTV – 95% (with PMI) * 3-4 – LTV 80% or Less – PMI not available.

房屋改善贷款-无抵押

Rates as of 7/27/2023

Amount
Term
Base Rate/APR*
$2,500–$7,500
6–36 months
11.250%
$5,000–$7,500
37–48 months
12.250%
$5,000–$7,500
49–60 months
13.250%

Learn More

Payment Example: a Home Improvement loan for $7,500 over a 60 month period with an APR of 13.500%的人每月支付172美元.57.
Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.


Home Equity Term Loans

Rates as of 5/28/2024

Amount
Term
Rate/APR
$7,500-$14,999
12–60 months
9.69%
$15,000+
12-60 months
8.59%
$7,500-$14,999
61-120 months
9.69%
$15,000+
61-120 months
8.69%
$15,000+
121-180 months
8.79%
$25,000+
181-240 months
8.89%

Learn More

Payment Example: a Home Equity loan for $25,000 over a 60 month period with an APR of 8.59%的人每月还款额为514美元.00.
可以是主要居所还是次要居所. Bank provides lender credit to cover closing-costs on loan amounts up to $250,000, with a 3 year recapture. Tax stamps exceeding a $250,000 loan amount will be paid by the borrower.
Maximum loan to value 85% / Must be first or second lien position.
速率将降低0.25% if autopay from CCB checking or savings account is established at time of closing.


房屋净值信贷额度(HELOC)

Rates as of 3/1/2024

Amount
Rate/APR
Current Rate
$7,500–$24,999
WSJP + 1.25%
9.75%
$25,000-$49,999
WSJP + 1.00%
9.50%
$50,000-$99,999
WSJP + 0.50%
9.00%
$100,000+
WSJP
8.50%

Learn More

10年利息+ 15年回报
可以是主要居所还是次要居所. Bank provides lender credit to cover closing-costs on loan amounts up to $250,000, with a 3 year recapture. Tax stamps exceeding a $250,000 loan amount will be paid by the borrower.
No floor / ceiling – 15.9%
速率将降低0.25% if autopay from CCB checking or savings account is established at time of closing.


Overdraft Line of Credit

Rates as of 12/2/2022

Amount
Term
Base Rate/APR
Min. $500
12-36 months
18.00%

自动转帐不减收费用.
利率如所述-不与信用评分挂钩.


Fee Schedules

Type
Fee
Account Escheatment Fee
$30.00
账户对账户“A2A”转账- DPXPay(每笔交易) 把钱汇到另一个金融机构的账户. There is no cost to receive money from another financial institution.
$2.00
Bill Pay Inactivity Fee (在一个日历月没有活动后/然后按月使用)
$5.00
商业帐单支付(每笔交易于10日后结算)
$0.50
Canadian Check Fee
$8.00
Cashier’s Check
$7.00
保证支票(每张支票)
$20.00
换领支票卡费用
$10.00
支票收款(进账) & outgoing)
$15.00
Check Protest
$20.00
圣诞俱乐部储蓄提前提款费 (per withdrawal)
$10.00
Close Account By Mail
$5.00
铸币费(仅限建行客户)
10% of value
柜台支票(每张支票)
$2.00
Counter Check (5 checks)
$8.00
Deposit Item Returned (each time the item is presented for payment)
$10.00
Deposit Item Returned – Canadian (each time the item is presented for payment)
$30.00
提前关闭帐户(6个月或以下)
$30.00
扩展负余额费 (每隔5次连续公交后. Days, max. of 2 charges)
$5.00
Fax Service (1st sheet)
$1.00
传真服务(附页)
$0.50
境外ATM收费(建行持卡人)
$2.50
国外卡转换(建行ATM)
$3.00
法律处理费(征费、限制费、罚款)
$125.00
丢失保险箱钥匙
$50.00
医疗补助相关声明要求:0 - 12个月
$5.00 (per statement)
医疗补助相关声明要求:13个月以上
$75.00 (per request)
公证服务(每人)
$2.00
每次提交时的透支(NSF支票支付/退回)
$35.00
透支保护转让费 (每笔从另一建行支票/储蓄转账)
$10.00
纸质报表费用-个人
$2.00
带图像的纸质声明费-个人
$12.00
纸质报表费用-业务
$5.00
带图像的纸质对账单费-商业
$25.00
个人对个人“P2P”转账- DPXPay(每笔交易)
$0.50
对账(消费者)*最多1小时
$20.00
对账(消费者)*额外小时数/每小时
$20.00
研究(消费者)*最多1小时
$20.00
研究(消费者)*额外工时/每小时
$20.00
研究额外费用:声明副本
$5.00
研究额外费用:声明副本与图像
$8.00
申报表费用(由于地址错误/第二次)
$10.00
保险箱钻井(+成本)
$50.00
Snapshot Statement
$5.00
Stop Payment (one check)
$35.00
停止付款(支票范围)
$40.00
电话转账
$10.00
国内(入局)电汇
$20.00
国内(境外)电汇
$25.00
国际电汇(进帐)
$30.00
国际电汇(外发)
$35.00
Zipper Money Bag (+ tax)
$10.00

*商业帐户可能会收取额外费用.

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