Our members earn and save more — that's the point.
We're a not-for-profit cooperative owned by the people we serve. Earnings go back to members as better rates and lower fees — an average of $473 a year compared with banking elsewhere.
Cavelle Private Trust
Products & Services
We provide banking accounts and lending options that reflect our motto, members first. Always. Browse the grid to review each product.
Everyday Checking
Everyday Checking waives the monthly fee with any direct deposit. Your debit card activates in the app at account opening for immediate spending.
Learn moreHigh-Yield Savings
Members earn 4.25% APY with no minimum balance. Automatic payday transfers move funds before they can be spent.
Learn moreCredit Cards
Straightforward cash back and a clear path to a higher limit.
Learn moreHome Loans
Mortgages and HELOCs with local underwriting and same-week decisions.
Learn moreAuto & Personal Loans
Fixed rates, same-day decisions, and no prepayment penalties — ever.
Learn moreBusiness Banking
Checking, lending, and treasury tools for main-street businesses.
Learn moreWealth Management
Planning, investments, and trust services from advisors down the street.
Learn moreHome buying
How much home can you afford?
Adjust the amount, term, and rate to estimate a payment before you apply. When you're ready, a local lender will walk you through the real numbers.
- Estimate a payment before you talk to anyone
- Preapprovals that sellers take seriously
- Loan officers on the phone 24/7, wherever you're stationed in life
Estimated monthly payment
$1,580.17
Total interest $318,861
Estimates for illustration only — not a loan offer or rate quote.
Rates Board
Current Deposit and Lending Rates
We present selections from our Rates collection, reflecting deposit and lending terms available to members.
12-Month CD
$1,000 minimum
Penalty for early withdrawal
High-Yield Savings
No minimum balance
Money Market
$2,500 minimum
30-Year Fixed Mortgage
As low as, with autopay
Rate assumes strong credit and 20% down
Rates are subject to change. Complete terms are provided on our Disclosures page.
Getting Started
How to Open an Account
Cavelle Private Trust provides a clear process for members to establish deposit accounts or apply for lending products.
Review Membership Criteria
Cavelle Private Trust serves members in the banking vertical. Confirm your eligibility by reviewing the Membership page before beginning any application.
Submit Your Application
Complete the account or loan request through our online form or with a Cavelle Private Trust advisor. Supply valid identification and the required financial details.
Fund and Activate
Upon approval, deposit the initial balance for a deposit account or finalize loan closing documents. Your member relationship with Cavelle Private Trust begins at activation.
Member stories
In our members' words
“When our payroll got hit by fraud on a Friday afternoon, a human answered on the second ring and fixed it before Monday.”
Dana K.
Business checking customer
“The mortgage team knew the neighborhood better than our realtor did. Closed in 26 days.”
The Okonkwos
Home loan customers
“I moved my savings here for the rate and stayed for the app. Deposit checks in bed. Done.”
Priya S.
Savings customer
Once a member, always a member.
Join in about ten minutes with $5. Your membership follows you through every move, career change, and decade ahead.