.25% Interest Rate Discount1 2

When you're in our family, we take care of yours.

Relationships matter. We’re glad to be part of your financial journey, and it’s our goal to help you reach yours. So when you need a mortgage, refinance, home equity loan or home equity line of credit, we’re here to help with the service you expect and special discounts to keep you on track.

Discount Details

  • Easy to Qualify. Qualify just by having an eligible KeyBank checking and savings account.1
  • Many Uses. Apply your discount to purchase or refinance mortgages, home equity loans or home equity lines of credit (HELOC).
  • Significant Savings. As an example, for KeyBank clients, a 30-year fixed-rate mortgage of $300,000 with a market interest rate of 3.25% can be discounted to 3.00%. Over the life of the loan, that really adds up — to a savings of $14,690.3

Get Your .25% Interest Rate Discount1 2

Contact us. We’ll walk you through your options. With your rates, terms and benefits in hand, you’ll have everything you need to take the next step.


NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All home lending products, including mortgage, home equity loans and home equity lines of credit, are subject to credit and collateral approval. Not all home lending products are available in all states. Hazard insurance and, if applicable, flood insurance are required on collateral property. Actual rates, fees and terms are based on those offered as of the date of application and are subject to change without notice. Mortgage and Home Equity Lending products offered by KeyBank are not FDIC insured or guaranteed.


To receive the 0.25% interest rate discount, borrower or members of borrower’s household must have an eligible checking AND savings account with KeyBank. A borrower’s household includes individuals and organizations that share an address and/or a familial or business relationship with the borrower. An eligible checking account includes those consumer deposit accounts designated as checking accounts by KeyBank or the KeyBank Hassle-Free Account®. An eligible savings account includes those consumer deposit accounts designated as savings accounts by KeyBank, health savings accounts, certificates of deposit, individual retirement accounts or investment accounts offered through Key Investment Services LLC (KIS).* A business checking or savings account where the borrower is designated as the business owner may also be eligible. Borrower may open eligible KeyBank accounts to qualify for the interest rate discount. Normal checking and savings account service charges apply. Refer to specific checking or savings account disclosures for details.

Interest rate discount may not be available for all products. May be combinable with other offers. Ask us for details.

For Home Equity Line of Credit:

Reimbursement of Lender Paid Costs: If you voluntarily close your line of credit within 36 months of the date you sign the agreement, you will reimburse KeyBank for bona fide fees it paid to third parties on your behalf in connection with the account opening and as provided in your Agreement.

For Home Equity Loan:

Reimbursement of Lender Paid Costs: If you voluntarily prepay your loan in full within 36 months of the closing date, you will reimburse KeyBank for bona fide fees it paid to third parties on your behalf in connection with the loan closing and as provided in your Promissory Note.


This example is provided for illustrative purposes only to show possible savings. It does not constitute a commitment to lend on the terms listed, nor does it reflect the current mortgage interest rate offered by KeyBank. Your actual total savings may vary.

NMLS# 399797


Investment products offered through Key Investment Services LLC (KIS), member FINRA/SIPC and SEC-registered investment advisor. KIS is affiliated with KeyBank National Association (KeyBank).

Investment products made available through KIS are:


KIS and KeyBank are separate entities, and when you buy or sell securities you are doing business with KIS and not KeyBank.

Key.com is a federally registered service mark of KeyCorp.


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