Rates & Fees
Transparent pricing with competitive rates and minimal fees. See exactly what you'll earn and what services cost.
Interest Rates
Earn competitive interest on your deposits with our attractive rates.
Checking Account
Savings Account
Business Checking
Business Savings
Note: Annual Percentage Yield (APY) is accurate as of the current date and may change at any time. Fees may reduce earnings. Interest is compounded daily and paid monthly.
Loan Rates
Competitive rates on personal, auto, home, and business loans.
| Loan Type | Interest Rate (APR) | Term |
|---|---|---|
| Personal Loan | 6.99% - 24.99% | 2-7 years |
| Auto Loan (New) | 4.25% - 8.75% | 3-7 years |
| Auto Loan (Used) | 5.25% - 9.75% | 3-5 years |
| Home Mortgage (30-year) | 6.75% - 7.25% | 30 years |
| Home Mortgage (15-year) | 6.25% - 6.75% | 15 years |
| Home Equity Loan | 7.50% - 9.50% | 5-20 years |
| Business Loan | 5.99% - 12.99% | 1-10 years |
Note: Rates shown are our best available rates and may vary based on creditworthiness, loan amount, term, and other factors. Contact us for a personalized quote.
Fee Schedule
Transparent pricing with no hidden fees. Most services are free or low-cost.
| Service | Personal | Business | Notes |
|---|---|---|---|
| Monthly Maintenance | $0 | $0 | No monthly fees on any accounts |
| Overdraft Fee | $35 | $35 | Per occurrence, up to 3 per day |
| ATM Fee (Out-of-Network) | $2.50 | $2.50 | Fee reimbursement available |
| Wire Transfer (Domestic) | $25 | $25 | Incoming wires are free |
| Wire Transfer (International) | $45 | $45 | Additional correspondent fees may apply |
| Cashier's Check | $10 | $10 | Free for premium account holders |
| Stop Payment | $30 | $30 | Per item |
| Account Research | $25/hour | $25/hour | Minimum 1 hour charge |
What's Included
Enjoy these valuable benefits at no additional cost with your AstraTrust Bank account.
- No monthly maintenance fees on all accounts
- Free online and mobile banking
- Free debit card with chip technology
- Access to 55,000+ fee-free ATMs nationwide
- Free mobile check deposit
- Free bill pay service
- Free account alerts and notifications
- FDIC insured up to $250,000
Maximize Your Earnings
Our high-yield savings accounts help your money grow faster with competitive interest rates and daily compounding.
Ready to Start Earning?
Open your account today and start earning competitive interest with no monthly fees.