Loan Rates

Loan Rates are effective July 20, 2023

Signature and Personal Line of Credit


Maximum PaymentInterest RateA+
2 YR.13.00%*9.00%*
*Risk Based Pricing A
ScoreRate Structure
A+4% Below Base
A3% Below Base
BBase
C1% Above Base
D3% Above Base
E5% Above Base

Automobile

New & Used, Base Rates


Maximum PaymentInterest RateA+
24 MOS.7.80%**5.80%**
36 MOS.8.00%**6.00%**
48 MOS.8.25%**6.25%**
60 MOS.8.50%**6.50%**
72 MOS.9.25%**7.25%**
**Risk Based Pricing C
ScoreRate Structure
A+2.50% Below Base
A1.25% Below Base
BBase
C1% Above Base
D4% Above Base
E7% Above Base

Other Secured Consumer

(EX. Motorcycle, ATV, Boat, RC, etc)


Maximum PaymentInterest RateA+
1 TO 36 MOS.8.80%**6.80%**
37 TO 60 MOS.9.80%**7.80%**

**Risk Based Pricing C
ScoreRate Structure
A+2.50% Below Base
A1.25% Below Base
BBase
C1% Above Base
D4% Above Base
E7% Above Base

Real Estate


*First Mortgage Residential
Maximum PaymentInterest RateA+
5 YR. Balloon8.75%**6.75%**
10 YRS.9.00%***7.00%***
15 YRS.9.15%***7.15%***
20 YRS.9.50%***7.50%***
*Home Equity 
Maximum PaymentInterest RateA+
5 YRS.9.00%***7.00%***
10 YRS.9.25%***7.25%***
15 YRS.9.40%***7.40%***
20 YRS.9.75%***7.75%***
*Income Prop/Comm/AG R/E
Maximum PaymentInterest RateA+
5 YR BALLOON9.65%***7.65%***
5 YRS.9.65%***7.65%***
10 YRS.10.00%***8.00%***
15 YRS.10.15%***8.15%***
20 YRS.10.50%***8.50%***

*Rate Based Pricing see chart

Interim Mortgage
Maximum PaymentInterest Rate
Personal 5.75%
Business7.25%
Manufactured Homes
Maximum PaymentNEWUSED
1 – 10 YRS.15.00%16.50%
***Risk Based Pricing B
ScoreRate Structure
A+
2.50% Below Base
A1.50% Below BaseBase Rate -1.50%
BBase
C1% Above Base
D4% Above Base
E7% Above Base
* Rates shown here are the Base Rate.
**Risk Based Pricing C
ScoreRate Structure
A+2.50% Below Base
A1.25% Below Base
BBase
C1% Above Base
D4% Above Base
E7% Above Base

Agriculture

(Only on new loans or refinances w/ funds distributed)


Maximum PaymentInterest RateA+
0 – 24 Mos.7.25%****6.25%****
25 – 36 Mos.7.50%****6.50%****
37 – 48 Mos.7.75%****6.75%****
49 – 72 Mos.8.00%****7.00%****
3 YR Balloon6.75%
****Risk Based Pricing D

Credit Scores above 700 and meet Risk Based Ag Guidelines

1% Below Base

Line of Credit


Maximum PaymentInterest Rate
1 Yr. Renewable7.75%

Certificates of Deposit Secured


Maximum PaymentInterest Rate
Various2.00%
*Above Current Dividend Rate

Share Secured


Maximum PaymentInterest Rate
0-12 Mos.2.00%
*Above Current Dividend Rate

1Annual Percentage Rate