comparison savings high yield savings money market savings cds iras mortgages buy a home first time homebuyer refinance home equity mortgage options conforming loans non conforming loans government loans interest only mortgage portfolio loans jumbo loans super jumbo loans million dollar loans foreign nationals loans mortgage rates why bofi mortgage services for costco members mortgage insights mortgage services business banking calculators apy interest calculator mortgage calculators tools payment apps apple pay bill pay popmoney mobile app mobile deposit mydeposit finance works quicken online banking no hassle switch kit purchase rewards customer support contact us faq forms deposit slips envelopes making deposits manage my loan videos legal disclosures privacy and security fdic notice ehl notice heloc disclosures and assumptions home equity loan disclosures and assumptions safe act about us why bank of internet usa customer testimonials awards and recognitions press and news careers blog menu search login login search america s oldest and most trusted internet bank homehome you deserve a reward with a rewards checking account you can earn up to 1.25 % apy3 open account learn more checking savings iras cds 30 year fixed mortgage rates as low as 3.375 % rate1 3.526 % apr2 get a quote learn more buy a home refinance home equity business banking the right checking account for your business . see why . learn more buy or refi we may never see mortgage rates this low again . see why . learn more take the quiz find out which checking account is right for you start quiz saving for retirement start building your retirement savings with these easy steps . read more request more information select one topicsubmit products checking savings iras cds mortgagesbuy a home refinance home equity business banking costco members links pay my loan mortgage insights privacy and security disclosures sitemap website feedback about contact us we re social 2016 bank of internet usa all rights reserved . 2016 bank of internet usa all rights reserved . bank products and services are offered by bofi federal bank . all deposit accounts through bofi federal bank brands are fdic insured through bofi federal bank . all deposit accounts of the same ownership and or vesting held at bofi federal bank are combined and insured under the same fdic certificate 35546 . all deposit accounts through bofi federal bank brands are not separately insured by the fdic from other deposit accounts held with the same ownership and or vesting at bofi federal bank . for more information click here . bofi federal bank nmls 524995 1 . this offer is based on a 417 000 loan amount 521 250 appraised value taxes and insurance impounded owner occupancy single family residence located in 91604 zip code credit score of 740 and dti of 26 % and 1.000 % discount points . the amortization is 30 years at a fixed rate for 360 payments of 1 937.37 principal and interest and the loan would be paid in full at that time . rates are based on fnma established criteria which may vary with loan characteristics and hud loan limit guidelines . credit and collateral are subject to approval . terms and conditions apply . this is not a commitment to lend . all approvals are subject to underwriting guidelines . programs rates terms and conditions are subject to change without notice . restrictions may apply . rates are as of 10 14 2016 . 2 . apr annual percentage rate . 3 . rewards checking account allows you to control your interest rate reward based on the products services used during the month . this is a tiered interest earning variable rate account . all daily collected balances up to and including 150 000 will earn interest based on the combined rate rewards . all daily collected balances greater than 150 000 will not earn interest . your interest rate can be as high as 1.25 % based on the following combined rate rewards direct deposits not including intra bank transfers from another account totaling 1 000 or more each month will earn .4166 % ; at least ten 10 point of sale transactions per month using your rewards checking visa debit card for normal everyday purchases with a minimum of 3 per transaction will earn .4166 % ; and fifteen 15 or more point of sale transactions per month using your rewards checking visa debit card for normal everyday purchases with a minimum of 3 per transaction will earn .4166 % . qualifying transactions must post and clear the account during the monthly qualification cycle . transactions may take one or more business days from the transaction date to post to the account . at the time of your statement cycle date we will determine the combined products and services used since the previous cycle date to determine the aggregate interest rate to apply to your current statement cycle . we will use the daily balance method to calculate the interest on your account . please see our schedule of interest rates on our website for the current interest rates and annual percentage yield apy .