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Earn a competitive rate with our market monitor account.
Put your money to work for you with a market monitor account. Open online or in any Zeta Capital.
We offer short and long term CD options. Visit a center and open a CD to earn a set return on your money.
For the first 6 billing cycles, variable APR during the draw period may be as low as 6.10%.
After the introductory period ends, variable APR during the draw period
We believe in helping build thriving communities where we live and work. In 2023, we gave $11.8 million to over 2,000 local organizations. Our team members also donated 57,369 volunteer hours to local non-profits.
Since 1834, we’ve been exceeding client expectations. We’re top 30 with dual headquarters in Chicago and Evansville. As a well-capitalized institution, we have the resources to serve you.
We have been named to the “Civic 50” by Points of Light for our community-mindedness. We’re also a “Best Place to Work for Disability Inclusion,” and a “Military Friendly Employer” among many distinctions.
Our hearts will always be with our team members, their families, and the Louisville community.
View our current mortgage interest rates for our popular loans. For a customized rate get connected to a Mortgage Loan Expert today!
| Product | Rate | APR |
|---|---|---|
| 15 Year Fixed | 5.625% | 5.691% |
| 30 Year Fixed | 6.000% | 6.040% |
| Jumbo 30 Year | 6.500% | 6.510% |
| Jumbo 5/6mo SOFR ARM | 6.250% | 6.260% |
| Construction 30 Year | 6.750% | 6.800% |
| FHA 30 Year | 5.500% | 6.995% |
| VA 30 Year | 5.625% | 5.894% |
VIEW ADDITIONAL PURCHASE RATES & DETAILS →
| Product | Rate | APR |
|---|---|---|
| 15 Year Fixed | 5.625% | 5.691% |
| 30 Year Fixed | 6.000% | 6.040% |
| Jumbo 30 Year | 6.500% | 6.510% |
| Jumbo 5/6mo SOFR ARM | 6.250% | 6.260% |
| FHA 30 Year | 5.500% | 6.995% |
| VA 30 Year | 5.625% | 5.894% |
VIEW ADDITIONAL REFINANCE RATES & DETAILS →
* All loan products are subject to credit review and approval. Property insurance is required for loans secured by real estate. Advertised rates are effective as of 09/27/2024. Depending on your credit score, down payment, loan amount and other product requirements and features, your rate could be higher or lower than the rate examples showcased above. Rate and payment examples provided on our product pages do not include costs for insurance and taxes; therefore, the actual payment obligation will be higher based on any escrow requirements. Additional finance charges and closing costs apply. Please contact your Mortgage Loan Officer for specific, customized pricing quotes to match your financial situation.
1 Rates, terms, and conditions effective 9/18/2024 for applications received through 2/28/2025. Subject to credit approval. Property insurance is required for all loans secured by real estate. Rates are subject to change daily. Contact your Zeta Capital Banker or Residential Lender for current loan rates. Other restrictions may apply, see bank for details. The line of credit has a draw period of 10 years, after which you will no longer have access to borrow funds and will be required to repay the borrowed balance within a 20-year term. During the draw period there is an introductory variable rate discount in effect for the first 6 billing cycles, based on a 1.50% discount resulting in an APR of 1.65% below the prime rate as published in the Wall Street Journal. After the introductory period expires, the variable rate for the account will be based on The Wall Street Journal prime rate (plus or minus a margin) which is currently 7.60%. During the repayment period the rate will be fixed based on the rate at the end of the draw period plus a margin which is currently 3.00%. APR examples provided above are based on the highest credit tier with an LTV of 60% or less and includes an optional 0.25% rate reduction available at origination for enrolling in automatic loan payments drawn from a qualifying checking account. Associate or Private Banking discounts may not be combined with the promotional discount. Maximum APR is 21%, minimum APR is 0.99%. The initial $50 annual fee is waived. During the draw period the minimum monthly payment will be equal to the interest that accrued on the outstanding balance during the preceding billing cycle or $50, whichever is greater. During the repayment period the minimum monthly payment will be based on the balance at the end of the draw period amortized over 20 years or $50, whichever is greater. If you close or refinance your line of credit within 3 years, a reimbursement fee will be assessed for the lesser of $300 or the amount paid to third parties to recover the closing costs paid on your behalf plus any applicable state taxes paid on your behalf. Zeta Capital reserves the right to extend or discontinue this offer at any time.
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