Loan Rates

Loan Rates are effective November 4, 2022

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.6.80%**4.30%**
36 MOS.7.00%**4.50%**
48 MOS.7.25%**4.75%**
60 MOS.7.50%**5.00%**
72 MOS.8.25%**5.75%**
**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.7.80%**5.30%**
37 TO 60 MOS.8.80%**6.30%**

**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. Balloon7.75%**5.25%**
10 YRS.8.25%***5.75%***
15 YRS.8.40%***5.90%***
20 YRS.8.75%***6.25%***
30 YRS.6.75%Avg. Credit Score 720 & up
*Home Equity 
Maximum PaymentInterest RateA+
5 YRS.8.25%***5.75%***
10 YRS.8.50%***6.00%***
15 YRS.8.65%***6.15%***
20 YRS.9.00%***6.50%***
*Income Prop/Comm/AG R/E
Maximum PaymentInterest RateA+
5 YR BALLOON7.75%***5.25%***
5 YRS.7.75%***5.25%***
10 YRS.8.00%***5.50%***
15 YRS.8.50%***6.00%***
20 YRS.9.00%***6.50%***

*Rate Based Pricing see chart

Interim Mortgage
Maximum PaymentInterest Rate
5.00%
Manufactured Homes
Maximum PaymentNEWUSED
1 – 10 YRS.13.50%15.00%
***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.5.75%****4.75%****
25 – 36 Mos.6.25%****5.50%****
37 – 48 Mos.6.75%****5.75%****
49 – 72 Mos.7.00%****6.00%****
3 YR Balloon5.75%
****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. Renewable6.75%

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