Loan Rates are effective May 8, 2020

 
Loan Type Description Maximum Payment Interest Rate
Signature and Personal Line of Credit
 

* Rates shown here are the Base Rate.
ScoreRate Structure
A+ Base Rate -4%
A Base Rate -3%
B * Base Rate
C Base Rate +1%
D Base Rate +3%
E Base Rate +5%
  2 YR. 11.50%*/APR1
Automobile
New and Used

* Rates shown here are the Base Rate.
ScoreRate Structure
A+ Base Rate -2.25%
A Base Rate -1%
B * Base Rate
C Base Rate +1%
D Base Rate +4%
E Base Rate +7%
Base Rates 12 MOS. 4.30%*/APR1
  24 MOS. 4.55%*/APR1
  36 MOS. 4.75%*/APR1
  48 MOS. 5.00%*/APR1
  60 MOS. 5.25%*/APR1
  72 MOS. 6.00%*/APR1
$20,000 or greater
Other Secured Consumer
(EX. Motorcycle, ATV, Boat, RC, etc)

* Rates shown here are the Base Rate.
ScoreRate Structure
A+ Base Rate -2.25%
A Base Rate -1%
B * Base Rate
C Base Rate +1%
D Base Rate +4%
E Base Rate +7%
 

37 TO 60 MOS.

UP TO 36 MOS.

7.30%*/APR

5.30%*/APR1
Real Estate

 
*First Mortgage Residential 10 YRS. 5.00%/APR1
*First Mortgage Residential 15 YRS. 5.75%/APR1
*First Mortgage Residential 20 YRS. 6.00%/APR1
*First Mortgage Residential 5 YR. Balloon 4.50%/APR1
*Home Equity                5 YRS.                           5.00%/APR1
*Home Equity 10 YRS. 6.00%/APR1
*Home Equity 15 YRS. 7.00%/APR1

*Rate Based Pricing see chart above.
Interim Mortgage   3.75%/APR1
Manufactured Homes - New 1 - 10 YRS. 11.25%/APR1
Manufactured Homes - Used 1 - 10 YRS. 12.75%/APR1
Income Prop/Comm/AG R/E 5 YRS. 5.50%/APR1
Income Prop/Comm/AG R/E 10 YRS 6.00%/APR
Income Prop/Comm/AG R/E 15 YRS. 6.75%/APR1
Agriculture
(Only on new loans or refinances w/ funds distributed)   0 - 24 Mos. 5.00%/APR1
  25 - 36 Mos. 5.25%/APR1
  37 - 48 Mos. 5.50%/APR1
  49 - 72 Mos. 5.75%/APR1
  3 Yr. Balloon 4.75%/APR1
Line of Credit;
    1 Yr. Renewable 5.00%/APR1
Certificates of Deposit Secured
    Various 2.00%*/APR1
*Above Current Dividend Rate
Share Secured
    0 - 12 Mos. 2.00%*/APR1
*Above Current Dividend Rate

1Annual Percentage Rate