Find the perfect home with locals who care.
From first-time home buyers to current homeowners, we have a variety of programs to get you home.
Why Get a Mortgage with HCB
- Guidance and support every step of the way
- Repayment terms that work with your lifestyle
- Free pre-approval to know your budget
- Competitively low rates for home purchase or refinance
- Available for primary residence, second homes, vacation homes, or investment properties
- A wide range of financing programs available*:
- Conventional home loans
- Fixed Rate Mortgages
- Adjustable Rate Mortgages (ARMs)
- FHA & VA Mortgages
- Rural Development Mortgages (USDA)
- Jumbo Mortgages
- Budget-friendly repayment terms, unique to your situation
- Helpful loan advisors with working knowledge of the local real estate market
- Free pre-approval for extra confidence when it comes to securing financing
- Refinance your current home to potentially lower your rate
- Detailed, attentive service from start to finish
*All loans subject to credit approval.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Kasasa Cash*
| Level 1 Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $50,000 | $100 | 1.98% | 2.00% |
| $50,000+ | $100 | 0.25% | 0.83% to 2.00% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
| Level 2 Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $50,000 | $100 | 3.93% | 4.00% |
| $50,000+ | $100 | 0.25% | 1.50% to 4.00% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
LEVEL 1:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking/mobile app at least one time
LEVEL 2:
- At least 20 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking/mobile app at least one time
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
Kasasa Saver*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $150,000 | $100 | 1.49% | 1.50% |
| $150,000+ | $100 | 0.25% | 1.00% to 1.50% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking/mobile app at least one time
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
