Personal Line of Credit
| Loan Type | Term | Loan Amount | APR* | APR* w/Deposit Relationship** |
|---|---|---|---|---|
| Personal Secured‡ | 3 year draw/3 year term | $2,000 – $1,000,000 | 8.00% (Prime + 1.00%) | 7.00% (Prime + 0.00%) |
| Personal Unsecured^ | 3 year draw/3 year term | $2,000 – $61,000 | 11.00% (Prime + 4.00%) | 10.00% (Prime + 3.00%) |
| Personal Unsecured^ | 3 year draw/3 year term | $61,001 – $250,000 | 10.00% (Prime + 3.00%) | 9.00% (Prime + 2.00%) |
| Overdraft Protection | N/A | $300 – $10,000 | 16.00% | 16.00% |
* APR = Annual Percentage Rate. Prime = Wall Street Journal Prime Rate, which is 7.00% as of 11/07/22. The APRs shown are current as of 11/07/22 and are available to customers who have the credit scores required by GRB. All rates and terms are subject to credit qualification. Rates are subject to change without notice.
** A Deposit Relationship is defined as having payments auto-deducted from a GRB deposit account or direct deposit of income into a GRB deposit account.
‡ Personal secured lines can be secured with GRB deposits or marketable securities. The bank will consider other sources of collateral, such as real estate, on a case-by-case basis. Rate is variable at Wall Street Journal Prime + 1.00%. With a deposit relationship, rate is variable at WSJ Prime + 0.00%. All secured personal lines of credit have floors of 3.00% and ceilings of 15.00%. The WSJ Prime rate is 7.00% as of 11/07/22.
^ For personal unsecured lines up to $61,000, rate is variable at WSJ Prime + 4.00%. With a deposit relationship, rate is variable at WSJ Prime + 3.00%. For unsecured lines $61,001 or more, rate is variable at WSJ Prime + 3.00%; with a deposit relationship, this rate is variable at WSJ Prime + 2.00%. All unsecured personal lines have a floor of 6.00% and a ceiling of 15.00%. The WSJ Prime rate is 7.00% as of 11/07/22.
Personal Checking Account Rates
| Account Type1 | Best If… | Interest Rate | APY2 | Minimum Balance to Obtain APY | Minimum to Open |
|---|---|---|---|---|---|
| Value | You need a simple and easy checking account | N/A | N/A | N/A | N/A |
| Reward3, fewer than 12 monthly transactions | You want to receive premium interest rewards – just for using your account | 0.03% | 0.03% | $0.01 | N/A |
| Reward3, 12 transactions or more per month, $0 – $15,000 | 1.98% | 2.00% | $0.01 | N/A | |
| Reward3, $15,000.01+ | 0.03% | 0.03% | $0.01 | N/A | |
| Elite Checking4, fewer than 12 monthly transactions | You want to leverage added benefits and advanced banking services | 0.05% | 0.05% | $0.01 | N/A |
| Elite Checking4, 12 transactions or more per month, $0 – $15,000 | 1.98% | 2.00% | $0.01 | N/A | |
| Elite Checking4, $15,000.01+ | 0.05% | 0.05% | $0.01 | N/A |
1 See additional information, disclosures and account features.
2 Annual Percentage Yield (APY) offered is accurate as of 11/07/22. Fees could reduce earnings on the account. Rates and terms may change without notice after account opening.
3 Automatically earn 0.03% Annual Percentage Yield (APY) on all account balances. Earn 2.00% APY on account balances from $0.01 to $15,000.00 every time you have at least 12 transactions post and clear during a calendar month. Transaction types include any combination of ATM withdrawals, BillPay/Person-to-Person payments, deposits, check payments, Bank-to-Bank transfers, wires, ACH and debit card transactions.
4 Automatically earn 0.05% Annual Percentage Yield (APY) on all account balances. Earn 2.00% APY on account balances from $0.01 to $15,000.00 every time you have at least 12 transactions post and clear during a calendar month. Transaction types include any combination of ATM withdrawals, BillPay/Person-to-Person payments, deposits, check payments, Bank-to-Bank transfers, wires, ACH and debit card transactions. Elite rates and yields are reserved for GRB Elite Banking customers only. Monthly service charge of $35.00 waived if the average daily balance for the month is at least $50,000 in consumer accounts combined (excluding CDs) OR $100,000 in personal and business accounts combined (excluding CDs). Additional terms apply. Contact GRB for more information.
Business Checking Accounts
| Account Type | Interest Rate | APY1 | Minimum Balance to Maintain | Minimum to Open |
|---|---|---|---|---|
| Business Checking with Interest | 0.01% | 0.01% | $2,500 | $100 |
1 Annual Percentage Yield (APY) offered is accurate as of 11/07/22. Fees could reduce earnings on the account. Rates and terms may change without notice after account opening.
Savings Accounts
| Account Type | Interest Rate | APY1 | Minimum Balance to Maintain | Minimum to Open |
|---|---|---|---|---|
| Statement | 0.05% | 0.05% | $100 | $25 |
1 Annual Percentage Yield (APY) offered is accurate as of 11/07/22. Fees could reduce earnings on the account. Rates and terms may change without notice after account opening. Quarterly Service Charge of $5.00 is waived if accountholder maintains an average quarterly balance of $100 or more or the accountholder is 21 years of age or younger.
Personal Money Market Accounts
| Average Monthly Balance | Interest Rate | APY1 | Min. Bal. to Obtain APY |
|---|---|---|---|
| $2,500 – $24,999.99 | 0.05% | 0.05% | $2,500 |
| $25,000 – $49,999.99 | 0.10% | 0.10% | $25,000 |
| $50,000 – $99,999.99 | 0.15% | 0.15% | $50,000 |
| $100,000 – $4,999,999.99 | 0.25% | 0.25% | $100,000 |
| $5,000,000+ | 0.30% | 0.30% | $5,000,000 |
| Elite Money Market2, $0 – $49,999.99 | 0.15% | 0.15% | No minimum required |
| Elite Money Market2, $50,000 – $99,999.99 | 0.20% | 0.20% | No minimum required |
| Elite Money Market2, $100,000 – $249,999.99 | 0.30% | 0.30% | No minimum required |
| Elite Money Market2, $250,000 – 499,999.99 | 0.35% | 0.35% | No minimum required |
| Elite Money Market2, $500,000+ | 0.40% | 0.40% | No minimum required |
1 Annual Percentage Yield (APY) offered is accurate as of 11/07/22. Fees could reduce earnings on the account. Rates and terms may change without notice after account opening. $2,500 is the minimum to open a regular Money Market account.
2Annual Percentage Yield (APY) offered is accurate as of 11/07/22. Fees could reduce earnings on the account. We use the Daily Balance Method to calculate the interest on this account. Elite rates and yields are reserved for GRB Elite Banking customers only. Additional terms apply. Rates and terms may change without notice after account opening. Contact GRB for more information.
Business Money Market Accounts
| Average Monthly Balance | Interest Rate | APY1 | Min. Bal. to Obtain APY | Minimum to Open |
|---|---|---|---|---|
| $2,500 – $9,999 | 0.01% | 0.01% | $2,500 | $2,500 |
| $10,000 – $24,999.99 | 0.03% | 0.03% | $10,000 | $2,500 |
| $25,000 – $49,999.99 | 0.05% | 0.05% | $25,000 | $2,500 |
| $50,000 – $249,999.99 | 0.10% | 0.10% | $50,000 | $2,500 |
| $250,000+ | 0.15% | 0.15% | $250,000 | $2,500 |
1 Annual Percentage Yield (APY) offered is accurate as of 11/07/22.
Fees could reduce earnings on the account. Rates and terms may change without notice after account opening.
CDs
| Term | Interest Rate | APY1 | Elite Interest Rate2 | Elite APY1 |
|---|---|---|---|---|
| 7 to 31 Days | 0.15% | 0.15% | 0.40% | 0.40% |
| 32 Days to 5 Months | 0.20% | 0.20% | 0.45% | 0.45% |
| 6 to 11 Months | 0.25% | 0.25% | 0.50% | 0.50% |
| 12 to 17 Months | 0.50% | 0.50% | 0.75% | 0.75% |
| 18 to 23 Months | 0.75% | 0.75% | 1.00% | 1.00% |
| 24 to 29 Months | 1.00% | 1.00% | 1.25% | 1.26% |
| 30 to 35 months | 1.00% | 1.00% | 1.25% | 1.26% |
| 36 to 47 Months | 1.00% | 1.00% | 1.25% | 1.26% |
| 48 to 59 Months | 1.24% | 1.25% | 1.49% | 1.50% |
| 60 Months + | 1.24% | 1.25% | 1.49% | 1.50% |
Minimum to open CDs and IRA CDs & obtain APY is $500.
Contact us for more information on our CD rates.
1 Annual Percentage Yield (APY) offered is accurate as of 11/07/22.
Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal.
2 Elite rates and yields are reserved for GRB Elite Banking customers only. Additional terms apply. Contact GRB for more information.