Rates Effective February 22, 2018



Auto & Motorcycle Loans


Term Length APR as low as*
Up to 36 months 2011-2018 2.99%
Up to 60 months 2011-2018 3.24%
Up to 72 months (Call for details) 3.49%
Up to 84 months (Call for details) 3.99%
Up to 60 months 2010 and older 4.49%



RV & Boat Loan Specials!

Up to 100% financing, same low rate on new and used, and no payment for 90 days!*

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Term Length APR as low as*
Up to 60 months 3.99%
61 to 84 months 3.99%
85 to 120 months 3.99%
121 to 180 months 3.99%

*90-day no pay is for new money only


ATV, Snowmobile and Dirt Bike Loans

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Term Length APR as low as*
Up to 60 months 4.49


Personal Loans

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Term Length APR as low as*
Up to 36 months 9.99%
37 to 60 months 10.49%
61 to 84 months 10.99%

*The rates shown are the lowest available for each term listed. The rate you receive will be determined by your credit score at the time of application and the term of your loan. Loan subject to credit approval. Maximum loan repayment term is 84 months.



Mortgage Loans 


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Fixed Rate Mortgages Rate with 0 pt as low as* APR with 0 pt as low as* Rate with 1 pt as low as* APR with 1 pt as low as*
**30 Year Special
No PMI, No Money Down
5.250% 5.118% 4.750% 4.955%
30 Year
4.250% 4.329% 4.000% 4.162%
20 Year 4.125% 4.233% 3.875% 4.099%
**15 Year Special
No PMI, No Money Down
4.750% 4.953% 4.500% 4.855%
15 Year
4.000% 4.138% 3.750% 4.037%
**10 Year Special
No PMI, No Money Down
2.990% 3.186% 2.740% 3.147%
**7 Year Special
No PMI, No Money Down
2.240% 2.556% 1.990% 2.601%
Bi-Weekly Mortgages
Rate with 0 pt as low as*
APR with 0 pt as low as*
Rate with 1 pt as low as*
APR with 1 pt as low as*
30 Year
4.750% 4.844% 4.500% 4.680%
20 Year
4.625% 4.753% 4.375% 4.621%
15 Year
4.500% 4.663% 4.250% 4.564%


3% Down Mortgages Rate with 0 pt as low as*
APR with 0 pt as low as*
Rate with 1 pt as low as*
APR with 1 pt as low as*
30 Year 5.250% 5.347% 5.000% 5.186%
20 Year 5.125% 5.256% 4.875% 5.126%
15 Year 5.000% 5.165% 4.750% 5.068%


Jumbo Mortgages (loans $453,101 & over++) Rate with 0 pt as low as*
APR with 0 pt as low as*
Rate with 1 pt as low as*
APR with 1 pt as low as*
30 Year Jumbo
5.000% 5.075% 4.750% 4.912%
20 Year Jumbo
4.875% 4.977% 4.625% 4.846%
15 Year Jumbo 4.750% 4.879% 4.500% 4.780%
10 Year Jumbo 3.740% 3.921% 3.490% 3.885%


Physicians Mortgage

Rate with 0 pt as low as*
APR with 0 pt as low as*
Rate with 1 pt as low as*
APR with 1 pt as low as*
30 Year 4.500% 4.573% 4.250% 4.408%
20 Year
4.375% 4.475% 4.125% 4.342%
15 Year
4.250% 4.377% 4.000% 4.277%






Vacant Land, FHA, VA, Rural Development or
Construction Loans

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Based on a $150,000 mortgage loan amount with no PMI. APRs may vary depending on the loan amount, PMI, prepaid interest, and points. ++Based on a $500,000 mortgage loan amount with no PMI. APRs may vary depending on the loan amount, PMI, prepaid interest, and points.

*The rates shown are the lowest available for each term listed. The rate you receive will be determined by your credit score at the time of application and the term of your loan.

**Denotes mortgage special. Annual Percentage Rate. APR will vary based on final loan amount and finance charges. Payment example: a $130,000 loan with a rate of 3.875% and 180-month (15 year) term would have a payment of $953.47. Payments do not include taxes, actual payment obligation may be higher. Programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. For a limited time only. Some restrictions apply. - call for details.

Home Equity Line of Credit

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Name APR as low as**
Home Equity Line of Credit 4.50%


Credit Cards

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Name
Term
APR as low as*
Advantage Visa Card
Open-end
7.25%
Rewards Visa Card
Open-end
10.50%
* The APR as of 1/1/18 and subject to change. Rate is variable based on market value and credit worthiness.



Other Loans

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Name
Term
APR*
Share Secured Up to 36 months 1.99%
Share Secured
37 to 60 months
2.99%
***EZ Access Line of Credit
Open-end
8.50%


CD secured loan rates are 2% plus the current CD interest rate, please call for more details.

*Annual Percentage Rate (APR). Rates disclosed with an * are the lowest rates available and are determined by your credit score at time of application. Some restrictions apply.  Rates subject to change.  

**Annual percentage rate (APR). The Home Equity Line of Credit APR is a variable rate and is determined by the Prime Rate plus a margin determined by your credit score and the Loan-to-Value ratio of your home. The maximum APR that may be imposed is 15%. Subject to credit approval.

*** Annual percentage rate (APR). The EZ Access Line of Credit APR is determined by rounding the monthly average of the 26-Week U.S. Treasury Bill rate to the nearest one-tenth percent and adding seven percentage points. This rate can change monthly.