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FDIC-Insured—Backed by the full faith and credit of the U.S. Government
Laura Kramer
Regional Sales Manager
CA-SD, HI
NMLS# 1513196
Laura Kramer brings over three decades with Toyota to her current role as a Regional Bank Product Manager. In this assignment, she works closely with her clients to develop a better understanding of their financial needs and potential options and uses that information to make the process of opening an account or getting a loan as easy as possible.
Laura has been in Southern California long enough to call it home, but grew up just outside of St. Louis, MO and is proud of her Midwest roots. That grounded, down-to earth nature is the source of her sincere desire to treat her clients like family, making sure they get the best terms and are treated with respect.
Whether it’s guiding a first-time home buyer through the mortgage process or making it easy for a seasoned homeowner to refinance or buy a new home, Laura is committed to ensuring each client has a uniquely personalized and successful experience.
In her time away from work, Laura loves to golf, spend time with her dog Lilly Bug and watch NFL games (GO CHIEFS!!).
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HERE'S WHAT WE OFFER
* All Account Types: Minimum balance to earn interest: $0.01. Interest Rates and APYs are accurate as of the effective date of the Deposit Rate Sheet. See our APYs, Fees, Terms and Disclosures here. Fees could reduce earnings on these accounts. APYs and other fees and terms stated here may be subject to change without notice. Business Accounts are only available to Dealer Banking Customers. FDIC insurance available to legal limits. Deposit accounts opened at Toyota Financial Savings Bank and Lexus Financial Savings Bank do not receive separate FDIC Insurance coverage and will be combined for purposes of determining the maximum deposit insurance coverage for those deposit accounts. Products offered by Toyota Financial Savings Bank and Lexus Financial Savings Bank.
1. Money Market and Savings Accounts: Minimum opening deposit for a Personal Money Market and a Personal Savings Account is $500.00. Minimum opening deposit for a Business Money Market and a Business Savings Account is $2,500.00. Interest Rates and APYs on Money Market and Savings accounts may change after the account is open.
* All Account Types: Minimum balance to earn interest: $0.01. Interest Rates and APYs are accurate as of the effective date of the Deposit Rate Sheet. See our APYs, Fees, Terms and Disclosures here. Fees could reduce earnings on these accounts. APYs and other fees and terms stated here may be subject to change without notice. Business Accounts are only available to Dealer Banking Customers. FDIC insurance available to legal limits. Deposit accounts opened at Toyota Financial Savings Bank and Lexus Financial Savings Bank do not receive separate FDIC Insurance coverage and will be combined for purposes of determining the maximum deposit insurance coverage for those deposit accounts. Products offered by Toyota Financial Savings Bank and Lexus Financial Savings Bank.
2. Certificates of Deposit: Minimum opening deposit for a Certificate of Deposit account is $1.00. Interest Rates and APYs for Certificates of Deposits are fixed and are guaranteed for the length of the term. All Certificates of Deposits may be subject to an early withdrawal penalty. All Certificates of Deposit are automatically renewable.
*All Account Types: Minimum balance to earn interest: $0.01. Interest Rates and APYs are accurate as of the effective date of the Deposit Rate Sheet. See our APYs, Fees, Terms and Disclosures here. Fees could reduce earnings on these accounts. APYs and other fees and terms stated here may be subject to change without notice. Business Accounts are only available to Dealer Banking Customers. FDIC insurance available to legal limits. Deposit accounts opened at Toyota Financial Savings Bank and Lexus Financial Savings Bank do not receive separate FDIC insurance coverage and will be combined for purposes of determining the maximum deposit insurance coverage for those deposit accounts. Products offered by Toyota Financial Savings Bank and Lexus Financial Savings Bank.
3. FDIC INSURANCE: Funds in your account(s) with us are insured by the Federal Deposit Insurance Corporation (FDIC) and backed by the full faith and credit of the United States. FDIC insurance available to legal limits. Deposit account opened at Toyota Financial Savings Bank and Lexus Financial Savings Bank do not receive separate insurance coverage and will be combined for purposes of determining the maximum deposit insurance coverage for those deposit accounts.
* All Account Types: Minimum balance to earn interest: $0.01. Interest Rates and APYs are accurate as of the Deposit Rate Sheet. See our APYs, Fees, Terms and Disclosure here. Fees could reduce earnings on these accounts. APYs and other fees and terms stated here may be subject to change without notice. Business Accounts are only available to Dealer Banking Customers. FDIC insurance available in legal limits. Deposit accounts opened at Toyota Financial Savings Bank and Lexus Financial Savings Bank do not receive seperate FDIC insurance coverage and will be combined for purposes of determining the maximum deposit insurance coverage for those deposit accounts. Products offered by Toyota Financial Savings Bank and Lexus Financial Savings Bank.
4. Upon completion of approved application and subject to eligibility requirements.