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You Deserve a Reward

With a Rewards Checking account, you can earn up to 1.25% APY3

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30-Year Fixed Mortgage Rates as Low as:

3.375% Rate1  |  3.505% APR2

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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.

NMLS #524995 (click here).

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 0.750% 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 7/7/2016.

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).