Adding margin trading privileges to a brokerage account may be a more convenient method of borrowing, as compared to other lending solutions.  We offer attractive rates (see below).  In addition, relationship rates may be available. Please contact a Financial Advisor for more information.

Loan Amount Margin Rates Effective Rate1
$0 - $25,000 Base Lending Rate + 2.5% 6.25
$25,001 - $50,000 Base Lending Rate + 2.00% 5.75
$50,001 - $100,000 Base Lending Rate + 1.5% 5.25
$100,001 - $500,000 Base Lending Rate + 1.25% 5.00
$500,001 and above Base Lending Rate + 1.00% 4.75

How it works:
  • An eligible account may be used as collateral to purchase more securities, borrow cash, short securities, or write uncovered options.
  • Typically, collateral may be comprised of a stock portfolio, closed-end funds, ETFs, bonds, or any open-end mutual funds held for more than 30 days.
  • The initial borrowing amount can vary based on the type of security. It is most often 50% of the value of marginable securities in an account.
  • Margin trading privileges are subject to credit and suitability approval including a credit check of applicants for approval of margin trading privileges.
  • Once margin trading privileges is added to an account, borrowing can occur at anytime. A margin loan may be used to increase investment purchasing power, take advantage of market opportunities, or meet short-term financing needs without liquidating a portfolio.
Considerations:

While margin may be an attractive liquidity solution, it is important to understand the risks of borrowing on margin.2
  • You may lose more money than the equity in your margin account
  • The securities in your account can be sold (without contacting you) to meet a margin call*
  • Margin requirements may be increased at any time without advance notice
  • Margin trading privileges may be terminated at anytime

For more information, please contact a Financial Advisor.

 
 
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