Rates listed above apply to conventional mortgages only. Please contact the Bank for further details.
Mortgage Rates
Effective: 4/1/2026
| Type - LTV 80% or less | |||
| Purchase & Construction | Annual Percentage Rate1, 4,* | Term2 | Monthly Payment per Thousand3 |
| Fixed Rates4 | 6.000% | 120 Months | $11.10 |
| 6.125% | 180 Months | $8.51 | |
| 6.250% | 240 Months | $7.31 | |
| 6.375% | 360 Months | $6.24 | |
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated number of months.
3Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available and does not include insurance or tax escrow.
4Add 50 basis points for mixed use (residential/farm/business).
*Other terms and conditions may apply.
| Type - LTV 81% to 90% (No Private Mortgage Insurance required) | |||
| Purchase | Annual Percentage Rate1, 4,* | Term2 | Monthly Payment per Thousand3 |
| Fixed Rates4 | 6.250% | 120 Months | $11.23 |
| 6.375% | 180 Months | $8.64 | |
| 6.500% | 240 Months | $7.46 | |
| 6.625% | 360 Months | $6.40 | |
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated number of months.
3Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available and does not include insurance or tax escrow.
4Add 50 basis points for mixed use (residential/farm/business).
*Other terms and conditions may apply.
| Type - LTV 80% or less | |||
| Purchase & Construction | Annual Percentage Rate1, 4,* | Term (in months)2 | Monthly Payment Per Thousand3 |
| 3/1 ARM5 | 5.500% | up to 360 Months | $5.68 |
| 5/1 ARM6 | 5.625% | up to 360 Months | $5.76 |
| 7/1 ARM7 | 5.750% | up to 360 Months | $5.84 |
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated number of months.
3Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available and does not include insurance or tax escrow.
4Add 50 basis points for mixed use (residential/farm/business).
5Interest rate is fixed for 3 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 3 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
6Interest rate is fixed for 5 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 5 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
7Interest rate is fixed for 7 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 10 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
*Other terms and conditions may apply.
| Type - LTV 81% to 90% (No Private Mortgage Insurance Required) | |||
| Purchase | Annual Percentage Rate1, 4,* | Term (in months)2 | Monthly Payment Per Thousand3 |
| 3/1 ARM5 | 5.750% | up to 360 Months | $5.84 |
| 5/1 ARM6 | 5.875% | up to 360 Months | $5.92 |
| 7/1 ARM7 | 6.000% | up to 360 Months | $6.00 |
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated number of months.
3Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available and does not include insurance or tax escrow.
4Add 50 basis points for mixed use (residential/farm/business).
5Interest rate is fixed for 3 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 3 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
6Interest rate is fixed for 5 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 5 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
7Interest rate is fixed for 7 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 10 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
*Other terms and conditions may apply.
| Type | Annual Percentage Rate | Term2 | Monthly Payment per Thousand3 |
| Unimproved Real Estate | 8.500% | up to 180 Months | $9.85 |
| Unimproved Real Estate | 8.750% | up to 240 Months | $8.84 |
| Home Equity Loan | 7.000% | up to 60 Months | $19.80 |
| Home Equity Loan | 7.250% | up to 120 Months | $11.74 |
| Home Equity Loan | 7.500% | up to 180 Months | $9.24 |
| Fixed Rate HELOC 5/108 | 7.750% | $12.00 | |
| Fixed Rate HELOC 1/159 | 7.500% | $9.27 | |
| Variable Rate HELOC 10/1510 | 7.000% | $8.99 |
3Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available and does not include insurance or tax escrow.
8Term: 5 year draw 10 year repayment.
9Term: 1 year draw 15 year repayment.
10Term: 10 year draw 15 year repayment, variable rate and therefore rate may increase. Interest rate is based on the Wall Street Journal Prime Rate.
*Other terms and conditions may apply.
Consumer Loan Rates
Effective:4/1/2026
| Type | Annual Percentage Rate11 |
| Check Loan | 15.900% |
| Type | Annual Percentage Rate |
| All loans up to $3,500 Secured or Unsecured | 15.900% |
| Type | Annual Percentage Rate1,* | Term2 | Monthly Payment per Thousand3 |
| Installment | 10.000% | 48 months | $25.36 |
| Time/Demand | 10.000% | Not to exceed 12 months | $87.92 |
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.
Other terms and conditions may apply.
| Type | Annual Percentage Rate1,* | Term2 | Monthly Payment per Thousand3 |
| New 2025-2026 | 6.750% | 60 months | $19.68 |
| Used 2024-2025 | 7.000% | 60 months | $19.80 |
| Used 2022-2023 | 7.750% | 48 months | $24.30 |
| Used 2018-2021 | 8.750% | 36 months | $31.68 |
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.
Other terms and conditions may apply.
| Type | Annual Percentage Rate1,* | Term2 | Monthly Payment per Thousand3 |
| New 2025-2026 | 7.750% | 60 months | $20.16 |
| Used 2024-2025 | 8.250% | 48 months | $24.54 |
| Used 2022-2023 | 9.250% | 36 months | $31.92 |
| New RV | 8.500% | 120 months | $12.40 |
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.
Other terms and conditions may apply.
| Type | Annual Percentage Rate1,* | Term2 | Monthly Payment per Thousand3 |
| New 2025-2026 | 8.500% | 180 months 80% LTV | $9.85 |
| New 2025-2026 | 8.250% | 120 months 90% LTV | $12.27 |
| New 2025-2026 | 7.500% | 120 months 80% LTV | $11.87 |
| Used 2008-2011 | 9.500% | 60 months | $21.00 |
| Used 2012-2016 | 9.000% | 72 months | $18.01 |
| Used 2017-2021 | 8.500% | 84 months | $15.52 |
| Used 2022-2025 | 8.250% | 120 months | $12.27 |
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.
Other terms and conditions may apply.
| Type | Annual Percentage Rate1,* | Term2 | Monthly Payment per Thousand3 |
| New | 8.750% | 60 months | $20.70 |
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.
Other terms and conditions may apply.
| Type | Term2 | |
| CD | Up to 60 months | CD Rate + 3.000% |
| Listed Stock - Variable Rate | Up to 60 months | Prime |
*Other terms and conditions may apply.
