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ING Direct Orange Advantage Home Loan 3.99% p.a. Comparison Rate 4.19% p.a.

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ING Direct Orange Advantage Home Loan 3.99% p.a. Comparison Rate 4.19% p.a.
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ShannonIngram on 31/08/2015 - 17:53 ingdirect.com.au (2554 clicks)
Last edited 26/07/2016 - 17:55 by 1 other user

ING is launching a new special offer tomorrow with a rate of 3.99% p.a. (4.19% p.a. comparison rate) on their Orange Advantage product (this is their fully featured account with offset).

Their terms and conditions are:

-New residential lending with new to ING DIRECT security property(standard minimum loan amount applies)

-LVR less than or equal to 80%

-Owner occupied loan purpose

-Principal & Interest repayments

There is a $199 annual fee however they are currently waiving the first years annual fee on that as well.

Currently, where an owner occupied 3 year fixed rate is combined with an Orange Advantage, the current 3 year fixed rate will reduce to 4.13% p.a. (comparison rate 4.44% p.a.).

ING also has 1% cash back on monthly home loan repayments of up to $3,000 provided you deposit your pay ($1,000+/month).

If you have any questions just let me know in the comments.

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  • battler on 31/08/2015 - 18:00

    Can't see this is any better than
    https://www.ozbargain.com.au/node/209332
    … that didn't go so well this morning

    • dealman on 01/09/2015 - 09:30

      This won't benefit OP BUT go with a Rebate or Cash back broker to save even more money from trailing commissions.

      • Associatedtomleonhart @ ING on 01/09/2015 - 09:51
        +1

        I'm interested to hear more about this Rebate or cashback broker. Can you enlighten me please?

      • smol84 on 01/09/2015 - 12:32

        also interested, do you have any details?

      • Naed on 01/09/2015 - 12:47
        +2

        Potential options for this include www.yourshare.com.au and http://pricepal.com.au/1300HomeLoan. When I tried the Price Pal offer it ended up going through Finsure. Didn't go through with the offer for unrelated reasons.

  • eagleanthony on 31/08/2015 - 18:21

    Any valuation fees on refinance?

  • pao2x on 31/08/2015 - 18:56

    Offset account?

    • Devils Advocate on 31/08/2015 - 18:58
      +1

      Yep, says it in the first paragraph of description. Great edge having the offset account be the best transaction account there is out there.

      OP do you know if we can get the 1% cash back on principle repayments for this loan?

      Edit: Answered my question in the description. Thanks.

  • DealsyMcDealsalot on 31/08/2015 - 19:10

    New customers only? Booooo

    • squanchy on 31/08/2015 - 19:22

      I think only new loans, doesn't matter if you have ING savings accounts.

  • Associatedtomleonhart @ ING on 31/08/2015 - 19:27

    Was about to post this as well :P

    So tempted to jump on this myself !

    • shalomjd on 01/09/2015 - 14:16

      Who are you with Tom, always curious as to who the brokers have their mortgage with?

      • Associatedtomleonhart @ ING on 01/09/2015 - 14:20

        I'm with Suncorp. Can't be bothered to change to this.

        • shalomjd on 01/09/2015 - 14:24

          Yeah the hassle of it all, is what is keeping me from switching too.

  • blitzzbargain on 31/08/2015 - 19:51
    +1

    Hi OP,

    Any deals for investment property with interest only repayment?

    Thanks

  • Psdennett on 31/08/2015 - 19:51
    +1

    Looks like a good deal to me

  • Nikunj on 31/08/2015 - 19:54
    +1

    Hey OP, Will this apply to customer have existing orange eve loan

      • raging on 01/09/2015 - 15:09

        I have approval and signed the documents for a 4.23% rate with ING for the exact same product without the 1% cashback, was just waiting for settlement date. Had a talk with my broker about changing to this and I will get the rate. The only downside was:
        1) 250 fee for the new documents I have to sign.
        2) This "might" delay settlement, so I'm making sure I fill out the documents and return to ING ASAP

  • onethepan on 31/08/2015 - 19:59

    Does ing do company title loans?

  • Lunchguy on 31/08/2015 - 20:02

    Is there a free redraw facility?

      • [Deactivated] on 10/09/2015 - 10:23

        What about the 1% rebate, can you load up the loan and then redraw it out again?

  • mick123 on 31/08/2015 - 20:44
    +2

    It's amazing how companies always talk about wanting loyalty but give better deals only to new sign ups. Not just banks, all industries

    • SnakeDoctor on 31/08/2015 - 20:56

      Sounds like every year at car insurance renewal time:
      AAMI always has a cheaper rate for new customer —> ring and price match themselves
      Switched to Woolies and got a 25% discount, in the fine print it said I would lose 15% of the discount after the first year

      • mick123 on 31/08/2015 - 21:07
        +1

        yea insurance especially. Moved a lot of business away from NRMA recently because of this. And in insurance industry there is so called "loyalty discounts" . Means nothing.

  • SnakeDoctor on 31/08/2015 - 21:28

    So if you're borrowing 500k (80%) and meet the criteria and want an offset account - is this the best deal out there at the moment ?
    Will the brick and mortar banks even get close (how close?)

    Acknowledge the fact that individual circumstances will vary etc…

    • Associatedtomleonhart @ ING on 31/08/2015 - 21:49
      +1

      If you do a search around, no other lenders even come close to this !

      • SnakeDoctor on 31/08/2015 - 21:53

        Outstanding - thanks for posting!
        Is there any advantages (or disadvantages) going through a broker rather than the bank ?
        Does it matter if I'm not in Sydney (where your office is?)
        Also, buying off the plan & won't settle till December (weather permitting) - will I be able to get this rate in advance ?

        • Associatedtomleonhart @ ING on 31/08/2015 - 21:55
          +3

          Advantage of going through a broker is that you're looked after when there's a better deal comes up.
          Disadvantage…. I'm not sure :P

          I'm a broker but I didn't post this deal and whist I'd love your business, I think it's best that you contact ShannonIngram the OP directly. He's an awesome broker as well.

          His details is: http://www.smartline.com.au/adviser/singram/contact/

        • SnakeDoctor on 31/08/2015 - 21:57
          +1

          @tomleonhart:

          Oops, just saw the associated tag and thought it was the same person :-)

      • [Deactivated] on 31/08/2015 - 21:57

        Is this better than loans.com.au ?

        • Associatedtomleonhart @ ING on 31/08/2015 - 22:02

          In my opinion yes.

          • 3.99% with first year annual fee waived
          • 2% cash rebate with pay pass
          • 1% cash back on mortgage repayment
          • use any ATMs(require 1k deposit a month)
          • an Authorised Deposit-taking Institutions unlike loans.com.au
        • [Deactivated] on 31/08/2015 - 22:11

          @tomleonhart:

          Good points. They don't make it easy to compare. Loans.com.au has a lower comparison rate for the same LVR. I haven't done the sums to workout whether the cash rebates put ING ahead.

        • Associatedtomleonhart @ ING on 31/08/2015 - 22:18

          @aussiemillion: I just thought of a way, If you follow this formula:

          your current loan amount * ((4.06-3.99)/100) - 199 = a positive number, you're a head switching to ING. A negative number, you're not ahead switching to ING.

          This is without factoring in the cash back.

        • [Deactivated] on 31/08/2015 - 22:31

          @tomleonhart:

          I think that's comparing comparison rate (loans com au) with rate (ing)

        • Associatedtomleonhart @ ING on 31/08/2015 - 22:32

          @aussiemillion: loans.com.au comparison is 4.08% :)

        • [Deactivated] on 31/08/2015 - 23:05

          @tomleonhart:
          Ok - why not just compare comparison rates then? Doesn't that factor in the fees already? Just confused as to why you would compare the rates of the two - and subtract 199 for one years worth of fees on ING?

        • shalomjd on 01/09/2015 - 14:17

          @tomleonhart: not better than the suncorp offer or is it?

        • Associatedtomleonhart @ ING on 01/09/2015 - 14:20

          @shalomjd: It's better in term of rate than the suncorp offer !

        • shalomjd on 01/09/2015 - 14:23

          @tomleonhart: but Tom, the comparison rate was 4.16 compared to 4.19? So how is this better?

        • Associatedtomleonhart @ ING on 01/09/2015 - 14:38
          +4

          @shalomjd: It depends on how much you're borrowing. Comparison rate is calculated based on 150k over 25 years. If you borrow 1 million for example, 3.99% is definitely better than suncorp 4.15%, and if you borrow 100k the suncorp deal is better. Hope that make sense!

        • [Deactivated] on 01/09/2015 - 18:39
          +1

          @ShannonIngram:

          Thanks Shannon - get it now !

        • [Deactivated] on 01/09/2015 - 18:41
          +2

          @ShannonIngram:

          Also I'm thinking the comparison rate calc should be updated to reflect the median loan size… I'm sure it was close to 150k a long time ago but now its not all that relevant.

        • jdf on 11/09/2015 - 13:08

          @tomleonhart: Just wanted to check if it is indeed safe to use paypass for the offset amount. I remember reading a thread here where someone says he charged a customer $69 instead of $690. I know the only way to counter it is to check the bill but on the odd day you don't and something like this happens, does the ING Debit Card have the same cover like a Credit Card where you can dispute the amount or do a chargeback.

        • jdf on 13/09/2015 - 08:23
          +1

          @ShannonIngram: Thank you Shannon. The way you have answered every question speaks volumes about your professionalism and gives a feeling of how good you are at your job.

          I must admit I was a little put off with Mortgage Brokers in general as the only one I went to years ago took ages to answer questions and get back and we found a better deal by just going directly to the bank. You have definitely changed my opinion about Mortgage Brokers in general.

  • dumkaze on 31/08/2015 - 21:43

    I got loan from them about a month ago @4.23.. Is there any way to get 3.99 from ING

    • Associatedtomleonhart @ ING on 31/08/2015 - 21:48

      I think Shannon already answered this question in the comment above.

  • droodle on 31/08/2015 - 22:33

    how do you work out monthly repayments and how faster does it pay off if you offset .. any calculators ?

    ok got them :)

  • jdf on 01/09/2015 - 06:57

    Will the 3.99% rate default to the Orange Advantage Home Loan rate after the first year?

      • tomsco on 01/09/2015 - 07:12

        How would something like this go once interest rates go up.

        Is it an indefinite low rate like UBank and loans.com.au, or is there a risk the interest rate may jump above those.

  • PAULKU on 01/09/2015 - 07:42

    Hi ShannonIngram,
    Am an absolute novice; so please be gentle. Have a few queries-might sound very stupid -sorry.
    1)I cannot see that deal which you are mentioning in their website. I can see 4.13% interest rate and corresponding comparison rate of 4.33%(that also for borrowing >500,000). There is no mention of 3.99%. Is it that this rate is available only through brokers??
    2)I am trying to figure out why there is such a big disparity between the advertised interest rate and the corresponding comparison rate -in the visible one in their website its - 4.13% and 4.33%; and in your ozbargain deal its stated 3.99% p.a./Comparison Rate 4.19% p.a. I can understand there's a $199 fee annually . Even adding that we would not reach that comparison rate!! Am I missing some thing here?? Are there any other hidden fees?
    3)Is this rate available only if I borrow more than $500,000?
    4)You have quoted - "ING also has 1% cash back on monthly home loan repayments of up to $3,000 provided you deposit your pay ($1,000+/month)." This cash back -is it on the total monthly home loan repayment amount or only on the principal part of the monthly home loan repayments(excluding monthly interest)?
    5) Is this home loan available for new home buyer like myself- looking for a first home?
    6)Also is there any financial savings between parking money in offset versus paying that money as early repayment? Definitely with offset account - we can access that money for our future needs- so in that way its great. But if we do early repayment (where we cannot access the money at all) is there any specific advantage over the offsetting? Also is there any early repayment charge for this loan?
    Please do reply. Thanks in advance.

      • PAULKU on 01/09/2015 - 08:04

        Hi ShannonIngram,
        Thanks for the quick reply; much appreciated.

  • ring2015 on 01/09/2015 - 08:54

    Hi ShannonIngram,
    How will the rate 3.99% change if RBA changes the rate as you said it is not tied to any bench mark?

  • ring2015 on 01/09/2015 - 09:01

    Thanks for your prompt reply, ShannoIngram.

  • pao2x on 01/09/2015 - 09:07

    Why is it saying 4.13% on the website? I am keen on this if it is 3.99%. More than 20% LVR + sizeable loan thanks

  • pao2x on 01/09/2015 - 09:21

    thanks I'll start working on it

  • eneity on 01/09/2015 - 09:31

    how does the cash back work?

  • ozlab on 01/09/2015 - 10:21

    Great offer! Do they receive application for off-the-plan apartment before settlement?

      • cch24 on 01/09/2015 - 13:58

        I have settlement 27th jan 2016 does this mean i just cut it or just miss out?

  • bort on 01/09/2015 - 10:45

    with their cashback - does a direct deposit of your pay into your offset account work, or do you need it to go into an everday account and then you need to manually move it across?

  • jasonb on 01/09/2015 - 12:25

    Interesting!

    I'm currently on a 4.18% pa with no annual fees, but getting the 1% back on repayments every month may tip the scales.
    That and convenience since we move about $1k into the ING Orange Everyday account every month for the Paypass and any ATM capability, would be nice to have that as the offset account!

    Is there a minimum loan size for this? Last I looked ING's best rates were only for $500k+ (our loan is $200k)

    Also how long is this likely to last? We've currently got a construction loan and looking like handover early-mid October, then have to do a few things to get the house in order like landscaping etc. Should have no problems with LVR (we owned the land outright, only borrowed about 70% of the build cost) but I'm guessing valuers are going to want to see a house that's ready to move into.

    Also what are the switching costs? $250 discharge fee from our current loan + $320 for discharge + new mortgage with Landgate + what with ING? Any establishment/security/valuation/legal/blah blah fees straight up?

      • jasonb on 01/09/2015 - 14:21
        +1

        I'll continue to think about it for the next month I think. Based on some rough Excel working out including switching costs we'd be ahead after about a year and a half (including $30/month repayment bonus which ends up paying for the annual fee), which is possibly not worth the hassle, but the convenience of not shuffling money between CUA and ING might be.

        Now speaking like a true Ozbargainer :-) does the 1% bonus for up to $3000/month repayment apply even if the interest is zero because of the offset account balance? We have plans to kick the mortgage within 5 years, but will happily take longer and stick the rest in offset and repay it at $3000/month to gain $360/year at a cost of a $199 annual fee…

        • dealman on 01/09/2015 - 15:14

          to gain $360/year at a cost of a $199 annual fee…

          That my friend is Gold right there :-)

          I am also with CBA now and stay there for the business account and the convenience of having everything in one place

        • jasonb on 01/09/2015 - 15:45

          @ShannonIngram: If you could look into it that would be great :-)

          Once we have fully drawn our loan our minimum P&I repayments will be approx $950/month but we plan on ploughing about $4k/month into it for the next year or so to try and clear it, hence the thought of getting the bonus for it to overcome the annual fee. If we only get it on minimums it might not be so attractive.

        • jasonb on 01/09/2015 - 17:02

          @ShannonIngram: Hmmm maybe not so attractive then.

          Thing is, our plan at this stage is to smash down a loan for the next 1.5-2 years (with everything my wife is earning going straight onto the loan), then at some point when kids come along drop it down to a more reasonable level. I don't want to be stuck having to pay $3000/month when we have a reduced income and more mouths to feed if we find we can't afford it at that point.

          So, I think I'll say thanks anyway and stick with what we have. Appreciate your help though!

  • rmamila on 01/09/2015 - 13:32

    I have two loans including a new investment loan as well. I am looking for a place to move both the loans after CBA increased their interest rate for investment loans. I have about 70% LVR overall and total loan value is 1.2 million. So it's sizable loan with significant interest payment a month. Currently I have my credit cards loans and the two salaries are also going into CBA accounts. If I find a better deal to move everything into a smaller bank I should be able to get better rate and save significant amount in interest every month.
    I talked to CBA and they said they can't do any better as it's the banks decision to charge more for investment loans. The next week CBA announced the historic record profit for the quarter which was over 10 Billion. Hope this is the way CBA can maintain that sort of profit going forward. When I bought the property recently I did all my calculations based on the current rate and future growth in the market. I didn't expect this type of move from the bank.
    It seems most of the small banks still have better rates than big4. It's good that the restriction from the governing body only applied for big ones and this will give some breathing space for the small players in the market to attract more customers and be more competitive.
    Still this is not the right deal for me as they only take PPR loan. I need one to move my entire portfolio with CBA.

      • rmamila on 01/09/2015 - 16:17

        I don't like the idea of having the loans in multiple places. I will talk to you later and see what we can do. When the banks were asked to hold 1% more assets when they issue loans CBA took this path to increase their revenue. If CBA makes record profit they could convert some of that profit into their reserves so that they comply with requirement and no need to rip off the existing customers to increase revenue while the rates are really low across the globe. You should not get loans from banks instead get shares.

        "If you have a gun you can rob a bank. If you have a bank you can rob everyone.." who said this? can't remember.

    • Devils Advocate on 02/09/2015 - 20:28

      $9.13b profit IIRC. The interest rate increase is also in part a way to cool the housing market. If the bubble popped it would be very bad for the big banks.

      • rmamila on 06/09/2015 - 13:54

        If the move is to cool down the market why the increase of rates for the mortgages taken many years back? Then the increase should only apply for new loans.
        You can't explain this to any rational person if you take that as the reason. It's not just logical.

        • Devils Advocate on 08/09/2015 - 17:30

          It's not the sole reason, just one of the reasons. Another is that investor loans are a greater risk to the bank (http://www.smh.com.au/business/banking-and-finance/higher-in…)

        • rmamila on 09/09/2015 - 16:34

          @Devils Advocate: Does the risk go down or UP when the interest is increased to the existing loan?

          I would keep paying my loan as long as I can afford to pay. The only point I am going to add a risk to the bank is when they increase the interest to a level that I can't simply bear.

        • Devils Advocate on 09/09/2015 - 16:57
          +1

          @rmamila:
          You're right that raising their interest rates will increase their bad debts. However for the banks it's about risk vs reward. They are taking more risk so need a higher return.

          Otherwise should they accept loans for someone with a bad credit history and give them a lower interest rate because they might default? No, they should charge a higher interest rate than usual because they are taking on more risk.

        • rmamila on 10/09/2015 - 10:25

          @Devils Advocate: If that's what banks are doing then it's perfectly fine. Return should be more if the risk is higher. The issue here is banks are doing something different in here. Don't mix the two ends into one.

          To reduce the risk they can increase the rate for serviceability calculation which they are doing now. Yes banks should increase the rate for those who have bad credit history. Don't you understand what banks do here is completely different thing and they increase the rate for everybody including who have healthy LVR good credit history and ability to pay (intention is just increase revenue/profit) and continue providing loans for those who are having bad history or have stretched too much in their finances. I never saw any banks had any of those measures (LVR, serviceability, etc) in their considerations for recent rates hike.

          What I said was it's not just logical. However banks can do what ever they want to make things better for banks the way they want when you have a loan with them. That's the only way you can explain this logically. :)

  • rmamila on 01/09/2015 - 16:22

    Where do you get the best rate for investment loan at present and what's the rate if the loan is above 1 mil.

      • rmamila on 02/09/2015 - 12:58

        If you show equity from a different property and have your own home as a security I hope the LVR calculates for the total portfolio. If overall LVR is 65% and the loan amount is 1.2 mil what would be the best rate you can get. One more thing the investment loan has to be interest only when you have your own mortgage to pay.

  • oscargamer on 01/09/2015 - 17:26
    +1

    as an existing mortgage holder i cannot get this deal, but i just rang ING anyway and had a chat. we've been with them 10 years or so and i reckon they are pretty good….anyway after a bit of verbal judo, they reduced my var rate from 4.66% (already down from 4.84%) to 4.23%. not a bad saving for 20mins on the phone

    THANKS to both OP and ING
    :)

    • raging on 01/09/2015 - 22:47

      What's the yearly saving on that?

  • vssv on 01/09/2015 - 17:47

    Hi,
    Looking for a 3 yearfixed rate owner ocuupier 80% lvr ….! Looking at borrowing about $600000. Plz suggest…!!! thanks

  • chengjianer on 01/09/2015 - 22:31

    Hi, i have the Mortgage Simplifier at the moment, 4.72%. Can you reduce the rates as i have been a loyal customer (more than 5 years)? Or before i become a loyal customer to another bank?? :)

    With about $75000, which is the best product out of all you have?

  • vssv on 02/09/2015 - 11:44

    Hi,
    I have got a investment homeloan and paying (p&i). I am moving into the property in a month. Can i change my loan to owner occupier….? Do i need to go through to serviceability check..? Please advice..
    Thanks

  • vssv on 02/09/2015 - 12:43

    No , I am with suncorp at the moment n seriously looking at fixing for 3 years…! Don't mind refinancing for better rate ..!!! Thanks

  • jdf on 02/09/2015 - 13:37

    Shannon, how long would the process of switching loans to ING take? And is the application procedure same as applying for a new loan as in getting together the same bunch of documents.

  • SnakeDoctor on 03/09/2015 - 22:33

    Having checked daily, I can now report the rate has now appeared on the ING website

  • Seisei on 04/09/2015 - 00:29

    Hi,

    How much do the principal payments have to be in order to take up this offer? P&I over up to 30 years? Currently I pay interest only and have all the money in my offset account for the flexibility. Would a different mortgage suit me better? Also, I can't refinance my current mortgage until late November, would it still be possible to take up this offer (if I were to)?

    Thanks.

  • binusam2007 on 04/09/2015 - 21:17

    Hi OP, % of Discount is for the life time of loan or limited time only? Thanks

  • jdf on 05/09/2015 - 09:49

    Shannon, thank you for taking the time out to respond to questions. Had a couple:

    1. What are the costs associated with moving over to ING?
    2. And also the costs associated with moving out of ING later if another better offer comes up or to payout the mortgage?
    3. Is it better to payout a mortgage or have the money sitting in the offset for the duration of the loan given that most interest is paid in the first 5 years of a loan.
  • CyberMurning on 08/09/2015 - 12:44

    damn mine is 4.09% at ubank
    is 0.1% worth to move (from ubank)?
    also this ING doesnt have offset, or has? if redraw only, any minimum or max redraw and cost?

  • CyberMurning on 08/09/2015 - 12:49

    wow reading comments above so many old customers got 4.6% and new get this 3.99% ?

      • CyberMurning on 08/09/2015 - 13:06

        thanks. last, how about cheapest % for investment property with ing?
        also, are we need to provide matching utilities address, driver licence, etc to be classified as owner occupied?

        • CyberMurning on 08/09/2015 - 13:16

          @ShannonIngram: thanks now i have the % i will do comparison first. mine at ubank actually 4.38% after increase :(

      • TRS-80 on 27/09/2015 - 19:39

        I'm with Westpac and managed to go from 0.7% to 0.9% discount just by walking into a branch earlier this year. I'm not going to take this one up since I'm split fixed for another 18 months, but one question I had was with the 80% LVR. We didn't meet that when we took our this loan, but another unit in our villa sold for $60k more recently, can you revalue the property to meet the 80% LVR?

  • Brainwhacker on 09/09/2015 - 12:33

    Hi Shanon

    Iam about to purchase a property and wondering if you could help with the following:

    • are you a rebates broker? (mentioned on 1st page by a fellow oz bargainer)
      -how long does it take you to get an approval on the financing from initial contact - my last experience with trying to use a broker was detrimental as they wanted 2 weeks to seek the financier whereas Westpac was able to do it in 3 days
    • do you have an online process/ way of receiving information so no meeting is required except for sign offs etc?

    I found the above thread to be really useful - thank you for this and I apologise if I have repeated a question

      • Brainwhacker on 09/09/2015 - 16:28

        Thank you for the response, I will be in touch.

  • downtime on 10/09/2015 - 16:40

    Hi Shannon,

    Quick question about the 1% rebate: how is the minimum repayment, which you referred to a few days ago as the basis for the rebate, calculated ? My bank only shows the Next Repayment Amount in the loan overview page and quarterly statements, no mention of minimum amount anywhere.

    My owner-occupier loan is linked to an offset account with a substantial amount of money. I just check their repayment calculator, which shows ~$2070/mth instead of the monthly repayment $1513 they're debiting me now. So I guess the offset money affects the repayment calculation ?

      • downtime on 10/09/2015 - 17:16

        Thanks for the reply. My loan is P&I though, definitely a bit of an odd ball.
        Will PM you more details to see if my unusual arrangements fit, and if it's worth it to switch.

  • LoungeLizard on 16/09/2015 - 10:43

    Hi Shannon,

    If you're still keeping and eye on this, a quick question:

    Is this offer applicable to (a) refinancing and (b) self-employed people?

  • flyingfruitcake on 18/09/2015 - 15:01

    Thanks for posting this.
    This is timely
    How is ING beter than AFG who offers 3.99% with 4.04% 3 year fixed?
    $120 annual fee though.

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