Stearns Bank National Association : Sarasota Branch
22 South Links Avenue
Sarasota , FL 34236
Branch Lobby Hours
Monday - Thursday | 9am - 4pm
Friday | 9am - 5pm
Phone
1)9-29--9000
Deposit Rates -
July 07, 2025
CD RATES
APY
MIN
MAX
6 Mo CD
4.50% $2,500
-
Compare
9 Mo CD
5.06% $2,500
-
Compare
12 Mo CD
5.00% $2,500
-
Compare
24 Mo CD
3.25% $2,500
-
Compare
MM RATES
APY
MIN
MAX
Money Market
1.00% $0
$99,999
Compare
Money Market
2.02% $100,000
$499,999
Compare
Money Market
3.20% $500,000
-
Compare
VARIABLE IRA RATES
APY
MIN
MAX
VIRA
0.35% $1
-
INT CHECKING RATES
APY
MIN
MAX
INTCK
0.20% $0
$14,999
Featured Home Equity Rates in Florida
Intro APR : 6.990 %
After Intro: 6.990 %
$0
Third Federal rate are typically 20% lower than other leaders
Guaranteed Lowest Rate
No closing costs, prepayment penalties, or minimum draw requirements
10 year draw period
Intro APR : 7.250 %
After Intro: 7.250 %
$15,000
Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed
Intro APR : 7.250 %
After Intro: 7.250 %
$15,000
Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US
Unlock Your Home's Potential
$0
Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
Unlock Your Home's Value: Discover the Power of our Online HELOC!
Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
Secure Your Future: Experience the Ease of our Fixed Home Equity Loans
Intro APR : 9.875 %
After Intro: 9.875 %
$0
Competitive rates, Pre-qualify in minutes
Mortgage Advisors standing by to help find the best solution
Flexible terms with fast funding
Minimum credit score: 640
Home Equity Line of Credit - Equal Housing Lender
$0
Home Equity Line of Credit - Equal Housing Lender
Loans Amounts from $25,000 - $500,000
Get a HELOC from PenFed to Put Your Home Equity to Work
HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans
NMLS ID: 1464945 /
Updated 2025-07-07
The leader for homeowners tapping cash from their homes since 2016.
$0
Access up to 90% of your home's equity, up to a maximum of $500,000.
FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
A fixed rate for life- no need to worry about fluctuating rates.
We make it easy - and fast - to access your cash (as little as 11 days).
Get up to $500k with no monthly payments, ever.
$0
Use your funds your way
No income verification - ideal for self-employment or retirement planning
Enjoy maximum flexibility - 30 year term, no prepayment penalties
Home Equity Investments are not considered a loan in all states
Home Equity Loans & Refinance – Cash out
$0
Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business
Cash-Out and Home Equity Options Available.
$0
Competitive Rates for FICO Scores 580-679
366k+ positive reviews, A rating from the BBB
Pay off higher interest rate credit cards, Pay college tuition
100% online mortgage application available
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Featured 30-Year Fixed Mortgage Rates in Florida
NMLS ID: 1907
License#: Florida
6.692%
$2,049
Fees & Points
$2,202 Total
0.688 Pts
($2,202)
Lower your monthly mortgage payment with a streamlined refinance
Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals
6.875%
$2,103
Fees & Points
$0 Total
0.000 Pts
($0)
See how much cash an easy refi can give you.
Increase your ROI, renovate or roll in it!
Tap into your equity with a Beeline Refi. Apply Online in 15 minutes.
Fees & Points
Total
Pts
($0)
Use your VA Loan benefits to get cash from your home equity
Get a personalized quote fast with instant uploads and 24/7 access
Over 300,000 verified 5-star reviews
Fees & Points
Total
Pts
($0)
We approve credit scores as low as 550 for VA and FHA refinancing
Family-owned, 35+ years of cash out assistance
A top FHA and VA lender
Fees & Points
Total
Pts
($0)
Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms
Fees & Points
Total
Pts
($0)
Apply in less than 10 minutes.
Fast, stress-free closing in as little as 14 days
More loan types so you’re more likely to qualify
Fees & Points
Total
Pts
($0)
We Approve Credit Scores Down to 500
Self Employed Bank Statement Loans
Investor Loans - DSCR - Cash Out
Fees & Points
Total
Pts
($0)
Homeowners best kept secret for cash
See if a HELOAN could lower payments
Access cash without a changing your rate
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
*All images, logos and public notes on this page appear courtesy of Stearns Bank National Association and are not subject to approval of RatesAndInfo.com. RatesAndInfo expressly disclaims all responsibility for this content.
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