Current Interest Rates

Mortgage Lending Rates

Mortgage Rates
Effective Date: 7/19/2019
Cost per $1K / Payment Stream per Year
Product Rate Points APR1 Years Payment Years Payment Years Payment
Portfolio 3/1 ARM2 3.250% 0.000 4.154% 1-3 $4.35 4-30 $4.94
Portfolio 5/1 ARM2 3.250% 0.000 4.009% 1-5 $4.35 6-30 $4.90
Portfolio 7/1 ARM2 3.500% 0.000 3.999% 1-7 $4.49 8-30 $4.89
Portfolio 3/1 ARM2 - Interest Only 3.500% 0.000 4.524% 1-3 $2.92 4-10 $3.96 11-30 $6.46
Portfolio 5/1 ARM2 - Interest Only 3.500% 0.000 4.700% 1-5 $2.982 4-10 $3.96 11-30 $6.46
Portfolio 7/1 ARM2 - Interest Only 3.750% 0.000 4.617% 1-7 $3.13 8-10 $3.96 11-30 $6.46
Traditional Fixed 30 3.750% 0.000 3.910% 1-30 $4.63
Traditional Fixed 20 3.500% 0.000 3.722% 1-20 $5.80
Traditional Fixed 15 3.125% 0.000 3.408% 1-15 $6.97
Traditional Fixed 10 3.000% 0.000 3.411% 1-10 $9.66

Personal Banking Rates

Savings Rates
Account Name Interest Rate APY*
Statement 0.05% 0.05%
Passbook 0.05% 0.05%
Club/Holiday 0.05% 0.05%
Student 0.05% 0.05%
Certificates of Deposit Rates
Account Name Interest Rate APY*
3 Month 0.10% 0.10%
4 Month 0.15% 0.15%
5 Month 0.15% 0.15%
6 Month 0.20% 0.20%
7 Month 2.18% 2.20%
8 Month 0.30% 0.30%
9 Month 0.30% 0.30%
10 Month 0.40% 0.40%
11 Month 0.40% 0.40%
12 Month 0.40% 0.40%
13 Month 1.34% 1.35%
14 Month 0.45% 0.45%
15 Month 0.50% 0.50%
16 Month 2.27% 2.30%
18 Month 0.50% 0.50%
2 Year 1.59% 1.60%
2 Year Promotional 2.23% 2.25%
30 Month 1.98% 2.00%
3 Year 1.98% 2.00%
4 Year 1.98% 2.00%
5 Year 1.98% 2.00%
7 Year 1.59% 1.60%
14 Month No Penalty CD 2.23% 2.25%
Money Market Account Rates
Account Name Account Tiers Interest Rate APY*
DimeDirect Money Market Up to $500,000 Call to Inquire
DimeDirect Money Market Over $500,000 Call to Inquire
Rewards MMA (Statement) Less than $1,000.00 0.05% 0.05%
Rewards MMA (Statement) $1,000.00 to $24,999.99 0.10% 0.10%
Rewards MMA (Statement) $25,000.00 to $49,999.99 0.15% 0.15%
Rewards MMA (Statement) $50,000.00 to $74,999.99 0.15% 0.15%
Rewards MMA (Statement) $75,000.00 and over 0.20% 0.20%
Checking Rates
Account Name Tier Level Interest Rate APY*
Prime Dime Interest Checking Less than $1,500 0.05% 0.05%
Prime Dime Interest Checking $1,500.00 to $9,999.99 0.08% 0.08%
Prime Dime Interest Checking $10,000 and over 0.10% 0.10%
Fabulous 50 Interest Checking 0.05% 0.05%
Direct Interest Checking 0.05% 0.05%

Effective Date: 07/12/2019. Posted interest rates are subject to change at any time.

Mortgage Rate Disclosures: The product data on this rate sheet is for informational purposes only and is based on a purchase of an owner-occupied, single-family property, located in the state of New York. Mortgage interest rates shown are based on a borrower having a FICO credit score of 740, a 60% loan-to-value (LTV), and a 60-day rate lock period. Under certain circumstances, a 60-day rate lock may not be available. Mortgage interest rates are based on current market rates, and are subject to pricing adjustments related to several factors including, but not limited to, property type and location, loan amount, loan type, loan-to-value, occupancy type and borrower credit history.

Mortgage rates are indication only and are subject to change at any time.

1The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as a yearly rate. The APRs are based on the interest rate, loan origination fees, and applicable closing costs and does not take into account other loan specific finance charges that may be required.

2For adjustable-rate mortgage (ARM) products, the monthly principal and interest payment will remain in effect for a limited period of time and then may change periodically. The index is based on the weekly average of the 1 Year Constant Maturity Treasury (CMT) Rate, plus a margin of 2.500%. The interest only (IO) products index is based on the weekly average of the interbank offered rates for one-year U.S. dollar-denominated deposits in the London market (LIBOR) as published in The Wall Street Journal, plus a margin of 2.500%. ARM and IO products are subject to annual and/or lifetime adjustment caps.

This is not a commitment to lend. Restrictions apply.

* APY = Annual Percentage Yield.