Rates

Interest rates shouldn't stand in the way of building a relationship with your bank. That's why we offer competitive rates and relationship-based pricing for many of our deposit and loan solutions. Looking for something you don't see here? Give us a call!

Special Rates

Certificate of Deposit		Interest Rate	APY (3)
Destination 7-month CD (1,2)		3.63%	3.70% APY

(1) $1000 to open and $1000 minimum balance to obtain APY.
(2) Must have a Destination Checking account to open.
(3) Fees may reduce annual earnings on account. A penalty may be imposed for early withdrawals from Certificates of Deposit. Interest rates are subject to change without notice. Annual Percentage Yields (APY) calculations are based on a 365-day term, unless otherwise noted, and assume principal and interest remain on deposit to maturity. Annual Percentage Yield effective date: March 3, 2026.

Money Market	Minimum Balance to Open	Interest Rate (1)	APY (2)	Minimum Balance to Obtain APY

Destination Money Market (3,4)	$5,000	0.03%	0.03%	$0.01-$49	Contact Us
		0.07%	0.10%	$50-$4,999
		1.98%	2.00%	$5,000-$14,999
		2.86%	2.90%	$15,000-$24,999
		2.86%	2.90%	$25,000-$249,999
		3.44%	3.50%	$250,000-$499,999
		3.63%	3.70%	$500,000+

(1) Rates are subject to change after the account is opened.
(2) Fees may reduce the earnings on the account. Annual Percentage Yield (APY) effective date: June 25, 2026
(3) $10 fee applied if account balance is below $5,000 at any point during qualification cycle.
(4) Must have a Destination Checking account to open.

Personal Deposit Rates

Personal Checking

Checking Account Type	Minimum Balance to Open	Interest Rate (1)	APY (2)	Minimum Balance to Obtain APY
Destination Checking	$50	0.25%	0.25%	$0.01	Contact Us
	$50	0.10%	0.10%	$25,000.00
Journey Checking	$50	N/A	N/A	N/A	Contact Us
Explore Checking	$50	N/A	N/A	N/A	Contact Us
Performance Checking	$50	N/A	N/A	N/A	Contact Us
Estate Checking Account	$0	0.20%	0.20%	$0.01
	$0	0.25%	0.25%	$35,000
	$0	0.30%	0.30%	$100,000

(1) Rates are subject to change after the account is opened.
(2) Fees may reduce the earnings on the account. Annual Percentage Yield (APY) effective date: June 25, 2026

Money Market

Type	Minimum Balance to Open	Interest Rate (1)	APY (2)	Minimum Balance to Obtain APY
Destination Money Market (3,4)	$5,000	0.03%	0.03%	$0.01-$49	Contact Us
		0.07%	0.10%	$50-$4,999
		1.98%	2.00%	$5,000-$14,999
		2.86%	2.90%	$15,000-$24,999
		2.86%	2.90%	$25,000-$249,999
		3.44%	3.50%	$250,000-$499,999
		3.63%	3.70%	$500,000+
Money Market Deposit Account	$500	0.05%	0.05%	$.01-$4,999	Contact Us
		0.10%	0.10%	$5,000-$14,999
		0.35%	0.35%	$15,000-$49,999
		0.50%	0.50%	$50,000-$99,999
		0.75%	0.75%	$100,000-$249,999
		0.75%	0.75%	$250,000-$499,999
		1.00%	1.00%	$500,000-$999,999
		1.10%	1.10%	$1,000,000+

Savings Account

Savings Account Type	Minimum Balance to Open	Interest Rate (1)	APY (2)	Minimum Balance to Obtain APY
Statement Savings	$100	0.05%	0.05%	$100	Contact Us
		0.15%	0.15%	$2,500
Club Accounts
Holiday Club (3)	$2	0.25%	0.25%	$50
Vacation Club (4)	$2	0.25%	0.25%	$50
Young Savers	$5	0.25%	0.25%	$5

(1) Rates are subject to change after the account is opened.
(2) Fees may reduce the earnings on the account. Annual Percentage Yield (APY) effective date: June 25, 2026
(3) Account matures the first weekend after October 3 each year; its term varies depending on when the account was opened. Early withdrawals will result in a loss of interest.
(4) Account matures the first weekend after April 3 each year; its term varies depending on when the account was opened. Early withdrawals will result in a loss of interest.

Certificate of Deposit

Product	APY (3)
7-month (1)	3.00%	Contact Us
12-month (1)	2.95%	Contact Us
15-month (1)	2.85%	Contact Us
Destination 7-month (1,2)	3.70%	Contact Us
Destination 12-month (1,2)	3.45%	Contact Us
Destination 15-month (1,2)	3.30%	Contact Us

(1) $1000 to open and $0.01 minimum balance to obtain APY.
(2) Must have a Destination Checking account to open.
(3) Fees may reduce the earnings on the account. A penalty may be imposed for early withdrawals from Certificates of Deposit. Interest rates are subject to change without notice. Annual Percentage Yields (APY) calculations are based on a 365-day term, unless otherwise noted, and assume principal and interest remain on deposit to maturity. Annual Percental Yield effective date: March 3, 2026.

Individual Retirement

Type	Interest Rate	APY (2)	Minimum Balance to Obtain APY
18 Month Fixed Rate (1,2,3)	0.20%	0.20%	$1000
30 Month Fixed Rate (1,2,3)	0.40%	0.40%	$1000

(1) Substantial Penalty for early withdrawal.
(2) Fees may reduce the earnings on the account. Annual Percental Yield effective date: June 25, 2026.
(3) $1000 minimum balance to open and $0.01 minimum balance to obtain APY.

Personal Loan Rates

Home Equity Installment Loan Rates

Maximum Loan Term	Interest Rate	APR	Payment Per $1,000 (1)
60 Months (2)	5.99%	6.040%	$19.33
120 Months (2)	6.25%	6.277%	$11.23
180 Months (2)	6.05%	6.069%	$8.47
240 Months (2)	6.69%	6.707%	$7.57
60 Month Investment Product (4)	9.99%	10.041%	$21.24

(1) Monthly payments shown do not include taxes and insurance - actual payment obligation will be greater.

(2) Interest Rate and Annual Percentage Rate (APR) quoted are current as of August 4, 2026 and can change at any time, and require monthly payments to be deducted from a Reliance Bank deposit account. Rates shown are for owner-occupied home equity financing, with a maximum Loan to Value of 89%, and are based upon a loan amount of $97,000 - the actual APR will vary based upon the final loan amount and finance charges. Credit subject to approval, and special rules and restrictions apply.

(4) Interest Rate and Annual Percentage Rate (APR) quoted are current as of January 19, 2025 and can change at any time. Loan must be secured by a non-owner occupied investment property; maximum Loan to Value of 80%. Rate reduction is not available for this product.

Please contact one of our Personal Banking Advisors for additional rates and programs.

Unsecured Installment Loan

Loan Term	Interest Rate	APR(1)	Payment per $1,000
60 months	11.250%	11.448%	$21.87

(1) Interest Rate and Annual Percentage Rate (APR) quoted are current as of January 19, 2025 and can change at any time, and require monthly payments to be deducted from a Reliance Bank deposit account. Rates shown are for a loan amount of $11,000. Credit subject to approval.

Unsecured Lines of Credit

Type	APR (1)
Personal SmartLine	13.750%

(1) APR will be variable and may increase at any time with a maximum of 18.00%. The current fully indexed APR is 13.750%. Requires monthly payments to be deducted from a Reliance Bank deposit account. An annual $20.00 non-activity charge is assessed if you do not use your line.

Mortgage

Effective Date: April 3, 2026

Mortgage Rates

Mortgage Loan Types	Contact Our Mortgage Team for Rates
15-Year Fixed Rate
20-Year Fixed Rate
30-Year Fixed Rate
30-Year Fixed Rate (Loans of $275,000 or less)
Freddie Mac Home Possible
Jumbo 15-Year Fixed Rate (Loans $832,720 or more)
Jumbo 20-Year Fixed Rate (Loans $832,720 or more)
Jumbo 30-Year Fixed Rate (Loans $832,720 or more)
SOFR 3/6 Adjustable-Rate
SOFR 5/6 Adjustable-Rate
SOFR 7/6 Adjustable-Rate
SOFR 10/6 Adjustable-Rate
Jumbo SOFR 5/6 Adjustable-Rate (Loans $832,720 or more)
Construction 15-Year Fixed Rate
Construction 20-Year Fixed Rate
Construction 30-Year Fixed Rate
Construction SOFR 5/6 Adjustable-Rate

Contact a Mortgage Loan Originator