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• Savings
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Checking | View ONLY Checking Rates | Return to Top

Interest +

The Best Deal in Town! Interest Bearing compounded daily, No Service Charge, No Minimum Balance.

$0.01 to $2,499.99		$2,500 to $7,499.99		$7,500 to $9,999.99		$10,000 to $19,999.99		$20,000 and Up
Interest	APY	Interest	APY	Interest	APY	Interest	APY	Interest	APY
0.50%	0.50%	0.55%	0.55%	0.60%	0.60%	0.65%	0.65%	0.70%	0.70%

50+

The Best Deal in Town for customers age 50 and over! Interest Bearing compounded daily, No Service Charge, No Minimum Balance. ALL basic logo checks FREE.

$0.01 to $2,499.99		$2,500 to $7,499.99		$7,500 to $9,999.99		$10,000 to $19,999.99		$20,000 and Up
Interest	APY	Interest	APY	Interest	APY	Interest	APY	Interest	APY
0.50%	0.50%	0.55%	0.55%	0.60%	0.60%	0.65%	0.65%	0.70%	0.70%

Premier Checking

Minimum Opening Deposit = $20,000, Interest Bearing compounded daily, No Service Charge.

$0.01 to $7,499.99		$7,500 to $19,999.99		$20,000 and Up
Interest	APY	Interest	APY	Interest	APY
0.40%	0.40%	0.50%	0.50%	1.00%	1.01%

50+ Premier Checking

Minimum Opening Deposit = $20,000, Interest Bearing compounded daily, No Service Charge, ALL basic logo checks FREE.

$0.01 to $7,499.99		$7,500 to $19,999.99		$20,000 and Up
Interest	APY	Interest	APY	Interest	APY
0.40%	0.40%	0.50%	0.50%	1.00%	1.01%

Regular Checking

Non-interest bearing account, Regular checking $7.50 monthly service charge, No Minimum Balance.

Business Checking

Non-interest bearing, Monthly Service Charge $30, No Minimum Balance.

Small Business Checking

Non-interest bearing, $250 Minimum Balance, Monthly Service Charge $15 if balance falls below minimum

Visa Debit Cards

All consumer checking accounts are eligible to apply for a FREE Visa Debit card. Upon approval, this card provides cash withdrawals from checking accounts at ATM networks. It can also be used to make purchases in person, online or via the telephone and the purchase is deducted from the checking account.

Savings View ONLY Savings Rates | Return to Top

Account Name	Description	Min to Open	Fees	Interest Rate	APY
Statement Savings	Interest compounded daily. Rate may change after the account is opened.	$50	$2.50 / month if balance falls below the minimum	0.75%	0.75%
Statement Savings for Students	Interest compounded daily. Rate may change after the account is opened.	$10	$2.50 / month if balance falls below the minimum	0.75%	0.75%
Money Market	Interest compounded daily. Balances below the minimum will drop to Statement Savings rate.	$5,000	–	1.00%	1.01%
Premier Plus Money Market	Interest compounded daily. Balances below the minimum will drop to Statement Savings rate.	$20,000	–	1.30%	1.31%

Certificate of Deposit (CD) Accounts

Term	Min to Open	$100 to $7,499		$7,500 to $14,999		$15,000 to $49,999		$50,000 to and Up
		IR	APY	IR	APY	IR	APY	IR	APY
90 Days *	$100	0.80%	0.80%	0.85%	0.85%	0.90%	0.90%	0.95%	0.95%
182 Days *	$100	0.90%	0.90%	0.95%	0.95%	1.00%	1.01%	1.05%	1.06%
7 Month †	$100	0.75%	0.75%	0.80%	0.80%	0.85%	0.85%	0.90%	0.90%
8 Month †	$100	0.75%	0.75%	0.80%	0.80%	0.85%	0.85%	0.90%	0.90%
9 Month †	$100	0.75%	0.75%	0.80%	0.80%	0.85%	0.85%	0.90%	0.90%
1 Year	$100	1.00%	1.01%	1.05%	1.06%	1.10%	1.11%	1.15%	1.16%
13 Month	$100	0.75%	0.75%	0.80%	0.80%	0.85%	0.85%	0.90%	0.90%
14 Month	$100	0.75%	0.75%	0.80%	0.80%	0.85%	0.85%	0.90%	0.90%
15 Month	$100	0.75%	0.75%	0.80%	0.80%	0.85%	0.85%	0.90%	0.90%
16 Month	$100	1.70%	1.72%	1.75%	1.77%	1.80%	1.82%	1.85%	1.87%
18 Month	$100	1.25%	1.26%	1.30%	1.31%	1.35%	1.36%	1.40%	1.41%
2 Year	$100	0.90%	0.90%	0.95%	0.95%	1.00%	1.01%	1.05%	1.06%
30 Month	$100	0.90%	0.90%	0.95%	0.95%	1.00%	1.01%	1.05%	1.06%
33 Month	$100	0.90%	0.90%	0.95%	0.95%	1.00%	1.01%	1.05%	1.06%
3 Year	$100	2.65%	2.69%	2.70%	2.74%	2.75%	2.79%	2.80%	2.84%
5 Year	$100	3.35%	3.41%	3.40%	3.46%	3.45%	3.51%	3.50%	3.56%

Contact us for more information.

Loans View ONLY Loan Rates | Return to Top

Real Estate Loans

Purchase and Refinances

Single Family Residential Mortgage Loans

Includes Manufactured Homes, Condominiums, Second Homes and Rental property

Construction Loans

Construction & Construction Permanent Financing

Raw Land Loans

Home Equity Lines of Credit (HELOC)

Commercial Real Estate

First Time Homebuyer Programs

Low to No down programs

Both fixed and adjustable rates are available.

We pride ourselves in servicing our loan portfolio in house.

Foreclosure Help and Information

You may be contacted by letter or phone call from your lender that you are at risk of facing foreclosure. If you receive a letter or are contacted, try to work with your lender to assess your ability to repay the debt and consider other options.

Options that are available to you to remedy a delinquency situation include:

• paying a sufficient amount to bring the loan current;
• working out a payment plan with your Raymond Federal Bank representative;
• selling the property.

If you decide to meet with your Raymond Federal Bank representative, please be advised that we may require a loan application to be completed. Documents that should be made available include, income documentation (e.g. pay stubs) and bank statements.

It is necessary that you respond to this letter so that we can develop a plan on how you are going to bring the loan current. If you call, the phone numbers you can use to contact us are 360-942-3444 or toll free 1-888-276-3593. Please request to speak to the loan department.

In addition to working with us, you may wish to contact HUD approved housing counselors (1-800-569-4287), the Washington State Foreclosure hotline (1-877-894-HOME (4663)), or for legal assistance through the Northwest Justice Project that services low income persons and persons age 60 and older (1-800-997-8944 weekdays between 2 and 4:30 p.m.). You may also contact the Department of Financial Institutions or the Washington Bar Association.

Consumer Loans

Includes auto, recreational vehicles, boats, home improvement and savings secured.

Consumer loans are available for basically any worthwhile purpose.

Loan Contacts

We appreciate your interest in Raymond Federal Bank and would be happy to respond to your request for more information. E-mail contact is provided as a convenient way for you to inquire about our products and services or provide comments about our services.

Because e-mail transmissions are not secure, please refrain from providing identifying information such as your account number and Social Security number.

For current rates or loan questions, please contact the loan personnel listed below.

• Winnie Johnson

  Loan Officer
  (360) 942-3444
  
  Raymond

• Mary Bogar

  Vice President -
  Sr. Loan Officer
  (360) 942 3444
  
  Raymond

• Patrick Weros

  Loan Officer
  (360) 642-4464
  
  Long Beach

Loan Forms

• Mortgage Loan Application (PDF | 339k | Download Acrobat Reader)
• Consumer Loan Application (PDF | 665k | Download Acrobat Reader)

Credit Cards

At Raymond Federal Bank, our industry-leading Consumer and Business credit card products offer competitive pricing combined with a full range of reward options – making it easy to select and apply for the card that meets your needs. Learn more.