Today's rates, in plain numbers
Compare deposit, lending, and card rates on every Berkshire Financial Credit product. Rates are current as of November 2026 and are subject to change.
Savings and certificates of deposit
All deposit products are FDIC insured up to $250,000 per depositor, per ownership category.
| Product | Minimum | Rate | APY | Notes |
|---|---|---|---|---|
| High-Yield Savings | $0 | 4.40% | 4.50% | Daily compounding, no monthly fee |
| Everyday Savings | $0 | 2.45% | 2.48% | No minimum balance |
| 12-month CD | $1,000 | 4.65% | 4.75% | Fixed rate for 12 months |
| 24-month CD | $1,000 | 4.30% | 4.39% | Fixed rate for 24 months |
| 60-month CD | $1,000 | 4.05% | 4.13% | Fixed rate for 60 months |
APY assumes daily compounding and no withdrawals. A $1,000 minimum is required to open a CD. Early withdrawal may reduce earnings.
Mortgages, personal loans, and auto loans
Rates shown are for well-qualified borrowers. Your actual rate depends on credit profile, loan amount, term, and product details.
| Term | Rate | APR | Points | Notes |
|---|---|---|---|---|
| 30-year fixed | 6.25% | 6.49% | 0 | 20% down, 740+ FICO |
| 20-year fixed | 5.99% | 6.24% | 0 | 20% down, 740+ FICO |
| 15-year fixed | 5.49% | 5.78% | 0 | 20% down, 740+ FICO |
| 7/1 ARM | 5.75% | 6.10% | 0 | Fixed for 7 years, then adjusts annually |
| Product | APR from | Term | Amount |
|---|---|---|---|
| Personal loan | 8.90% | 24 to 84 months | $2,000 to $100,000 |
| Auto loan, new | 5.49% | 24 to 84 months | $5,000 to $100,000 |
| Auto loan, used | 6.29% | 24 to 72 months | $5,000 to $75,000 |
| Home equity line | 7.75% | 10-year draw, 20-year repay | $10,000 to $500,000 |
| Card | Intro APR | Regular APR | Annual fee |
|---|---|---|---|
| Rewards Card | 0% for 12 months on purchases | 18.24% to 26.24% variable | $0 |
| Cashback Card | 0% for 15 months on purchases | 18.24% to 26.24% variable | $0 |
| Travel Card | 0% for 12 months on purchases | 18.24% to 26.24% variable | $95 |
| Business Card | 0% for 9 months on purchases | 18.24% to 26.24% variable | $0 |
Important disclosures
Rates shown are current as of November 2026 and are subject to change without notice. Deposit rates (APY) assume daily compounding and no withdrawals. APY is accurate as of the date shown and may change after account opening. Early withdrawal from a CD may reduce earnings.
Mortgage rates and APRs shown are for a 30-year, 20-year, or 15-year fixed-rate loan with 20% down and a 740+ FICO score. APR includes origination fees and points where applicable. Adjustable-rate mortgage rates are fixed for the initial period and adjust annually thereafter subject to caps. Actual rates depend on credit profile, loan amount, term, occupancy, property type, and other factors.
Personal and auto loan APRs shown are the lowest available for well-qualified borrowers and assume a 0.25% autopay discount. Your actual rate depends on credit profile and loan details. Home equity lines have variable rates that change with the prime rate.
Credit card APRs are variable and based on the prime rate. Intro APR offers apply to purchases only unless stated otherwise. Balance transfers may incur a fee. See each card's terms for full details.
Berkshire Financial Credit is a Member FDIC institution and an Equal Housing Lender. All deposit products are insured up to $250,000 per depositor, per ownership category.