Loan Rates

Loan Rates are effective August 4, 2021

Signature and Personal Line of Credit


Maximum PaymentInterest RateA+
2 YR.11.50%*7.50%*
*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+
12 MOS.4.05%**1.55%**
24 MOS.4.30%**1.80%**
36 MOS.4.50%**2.00%**
48 MOS.4.75%**2.25%**
60 MOS.5.00%**2.50%**
72 MOS.5.75%**3.25%**
**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.5.30%**2.80%**
37 TO 60 MOS.6.30%**3.80%**

**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. Balloon4.50%**2.00%**
10 YRS.5.00%***2.50%***
15 YRS.5.25%***2.75%***
20 YRS.5.50%***3.00%***
30 YRS.3.00%

Avg. Credit Score 720 & up
*Home Equity 
Maximum PaymentInterest RateA+
5 YRS.5.00%***2.50%***
10 YRS.5.25%***2.75%***
15 YRS.5.50%***3.00%***
20 YRS.5.75%***3.25%***
*Income Prop/Comm/AG R/E
Maximum PaymentInterest RateA+
5 YR BALLOON5.00%***2.50%***
5 YRS.5.00%***2.50%***
10 YRS.5.25%***2.75%***
15 YRS.5.75%***3.25%***
20 YRS.6.25%***3.75%***

*Rate Based Pricing see chart

Interim Mortgage
Maximum PaymentInterest Rate
3.75%
Manufactured Homes
Maximum PaymentNEWUSED
1 – 10 YRS.11.25%12.75%
***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.4.50%****3.50%****
25 – 36 Mos.4.75%****3.75%****
37 – 48 Mos.5.00%****4.00%****
49 – 72 Mos.5.25%****5.25%****
****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. Renewable5.00%

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