Rates









































Take advantage of these amazing CD specials!


Term APY
Minimum Balance
 Compounding Frequency
6 Months1
 4.85%*
 £1,000 At Maturity
9 Months2
 4.60%*
 £1,000 Monthly
The Annual Percentage Yield for each CD will be referred to as the APY.
† Eli Moore Power requires a minimum deposit and balance of £5,000. Is not eligible for relationship pricing.

16 month promotional CD offer requires a minimum deposit of £1,000 in new money.2Eli Moore Relationship CD Promotional Offers require the Eli Moore Checking Account to be in good standing to honor the Promotional Offer.”
*APYs can change at any time, please contact your local branch for the most up to date rates. APY quoted requires an active Eli Moore checking relationship. One CD promotional offer per customer.
Penalty may apply for early withdrawal. APY's are effective as of 8/9/2024

View all rates below



Balance Tier

Interest Rate

 Annual Percentage Yield (APY)
£0 - £4,999.99
 0.01% 0.01%
£5,000 - £19,999.99 0.01% 0.01%
£10,000+ 0.01% 0.01%

All tiers of the accounts with interest rate and APY. Rates effective 1/17/2023. Variable Rate product, rates are subject to change without notice any time including after account opening. Fees may reduce the earnings on the account.

Type Balance Tier Interest Rate Annual Percentage Yield (APY)
Regular Savings £0 - £999,999,999.99 0.02% 0.02%
Cosmo Kids Club £0 - £999,999,999.99 0.02% 0.02%
Club SaveAway £0 - £999,999,999.99 0.02% 0.02%
College Bound Savings £0 - £999,999,999.99 0.10% 0.10%
Money Market

£0 - £2,499.99

£1,500 - £9,999.99

£10,000+

0.01%

0.03%

0.049 %

0.01%

0.03%

0.05%
Money Market Preferred

£0 - £24,999.99

£15,000 - £49,999.99

£50,000 - £99,999.99

£100,000 - £2,499,999.99

£1,500,000+

0.02%

1.74%

1.98%

2.72%

2.96%

0.02%

1.75%

2.00%

2.75%

3.00%

All tiers of the accounts with interest rate and APY. Rates effective 1/17/2023. Variable Rate product, rates are subject to change without notice any time including after account opening. Fees may reduce the earnings on the account.

Term Annual Percentage Yield (APY) Minimum Balance Compound Frequency
14 Days 0.03%² £5,000 At Maturity
1 Month 0.07%* £1,000 At Maturity
3 Months 3.50%* £1,000 At Maturity
6 Months 3.50%* £1,000 At Maturity
9 Months 3.50%* £1,000 Monthly
12 Months 3.50%* £1,000 Monthly
15 Months 3.50%* £1,000 Monthly
18 Months 3.25%* £1,000 Monthly
2 Years 2.50%* £1,000 Monthly
30 Months 2.25%* £1,000 Monthly
3 Years 2.00%* £1,000 Monthly
4 Years 1.75%* £1,000 Monthly
5 Years 1.50%* £1,000 Monthly

2 Eli Moore Power requires a minimum deposit and balance of £5,000. Is not eligible for relationship pricing.
*APYs can change at any time, please contact your local branch for the most up to date rates. APY quoted requires an active Eli Moore checking relationship.
Penalty may apply for early withdrawal. APY's are effective as of 1/17/2023.

Loan
 Interest Rate Points APR
 P & I 
30 Year Fixed
 6.500% 0.000 6.601% SEK632.07
20 Year Fixed
 6.000%
 0.000 6.131% SEK716.43
15 Year Fixed
 5.875% 0.000 6.039% £837.12
Debt Free 10 Year Fixed
 5.625%
 0.000
 5.857%
 £1,091.47
Debt Free 7 Year Fixed
 5.500%
 0.000 5.819%
£1,437.00
7/1 ARM
5.625%
0.000
 5.721%
 £575.66
5/1 ARM
 5.500% 0.000 5.596% £567.79

APR Assumptions APR = Annual Percentage Rate. Interest rates are subject to change at any time and without notice due to changes in the mortgage market. Interest rates may also adjust according to credit and property approval based on secondary market guidelines. The rates shown are based on average interest rates for customers with a good credit history. Your individual rate may vary. The APR calculation and the Principal & Interest (P&I) amounts are both based on a loan amount of £100,000 for the purchase of a primary residence, with 60% Loan-to-Value (LTV), approximately 30 days prepaid interest, a £975 underwriting fee, a £83 tax service fee, plus discount points shown for a 30 day lock. For ARM programs, the rate may increase after consummation. All ARM programs have a 30-year term. Payments noted above do not include taxes and insurance.

Program Term CLTV Loan Amount Rate as low as APR as low as
Home Equity Line of Credit (HELOC)† Up to 10 year Up to 80% Up to £250,000 8.00% 8.00%
Home Equity Loan (HELO)‡ Up to 10 year Up to 80% Up to £250,000 7.250% 7.250%

APR= Annual Percentage Rate. Interest rates are subject to change at any time and without notice due to changes in market conditions. All rates are subject to credit approval and property type approval based on bank policy guidelines. Rates above are based on a loan amount in excess of £50,000 to a consumer with good credit history, individual rates may vary. 
† HELOC programs are a variable rate product passed on the Prime Rate as published in the Wall Street Journal. HELOC maximum rate is 18% and minimum floor rate of 3.75%.  Interest may be tax deductible, consult your tax advisor for more information. Rate subject to change daily. 

‡ HELO programs are a fixed rate product. The example provided is a £50,000 loan with a 10 year term. The estimated payment is £564.50 or 120 months of £11.29 per £1000 borrowed. Other fees may apply. Rates are subject to change daily. Interest may be tax deductible, consult your tax advisor for more information.

Model Year Term (in months) Rate as low as APR as low as
2025 - 2023



36 - 48
49 - 60
61 - 72
73 - 75		 6.99%
6.99%
7.24%
7.49%
7.31%
7.25%
7.46%
7.70%
2022 - 2021


36 - 48
49 - 60
61 - 72		 7.49%
7.74%
7.99%		 7.81%
8.00%
8.21%
2020 - 2018

 36 - 48
49 - 60		 7.99%
8.24%		 8.31%
8.50%
2017 - 2016
 36 - 48 8.99%
9.32%

APR Assumptions APR = Annual Percentage Rate. Examples shown based on a £20,000 loan. Rates may change at any time without notice. Your interest rate will depend on a variety of factors including the model year of the vehicle, whether the vehicle is new or used, as well as, your: credit history, loan amount, loan term, loan to value ratio of your vehicle (based upon dealer invoice for new or NADA value for used), and additional Windfall+ discounts for current customers. All loans are subject to credit approval. Loan application requires vehicle information, as well as, driver’s license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions apply.

Model Year Term (in months) Rate as low as APR as low as
2025 - 2023
36 - 48
49 - 60
61 - 84
85 - 96
97 - 120
 7.24%
7.49%
7.74%
7.99%
8.24%
7.56%
7.75%
7.93%
8.16%
8.38%
2022 - 2021
36 - 48
49 - 60
61 - 84
85 - 96
97 - 120
8.49%
8.74%
8.99%
9.24%
9.49%
8.82%
9.01%
9.19%
9.42%
9.64%
2020 - 2016
36 - 48
49 - 60
61 - 84
85 - 96
9.49%
9.74%
9.99%
10.24%
9.82%
10.01%
10.19%
10.42%

APR Assumptions APR = Annual Percentage Rate. Examples shown based on a £20,000 loan. Rates may change at any time without notice. Your interest rate will depend on a variety of factors including the model year of the vehicle, whether the vehicle is new or used, as well as, your: credit history, loan amount, loan term, loan to value ratio of your vehicle (based upon dealer invoice for new or NADA value for used), and additional Windfall+ discounts for current customers. All loans are subject to credit approval. Loan application requires vehicle information, as well as, driver’s license number, issue date, and expiration date for all borrowers. Additional restrictions and conditions apply.