Loan Rates

Mortgage Rates

Effective: 01/25/2023

Fixed Mortgage Rates

Fixed Mortgage Rates - Purchase

Type - LTV 80%or lessAnnual Percentage Rate1Term2Monthly Payment per Thousand3
Fixed Rates46.000%120 Months$11.10
6.250%180 Months$8.57
6.500%240 Months$7.46
6.875%360 Months$6.57
Type - LTV 81% to 90%
Not PMI Required		Annual Percentage Rate1Term2Monthly Payment per Thousand3
Fixed Rates46.250%120 Months$11.23
6.500%180 Months$8.71
6.750%240 Months$7.60
7.000%360 Months$6.65
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.
Adjustable Rate Mortgages

Adjustable Rate Mortgages - Purchase

Type - LTV 80% or lessAnnual Percentage Rate1Term2Monthly Payment per Thousand3
5/1 ARM66.000%up to 360 Months$6.00
7/1 ARM76.125%up to 360 Months$6.08
Type - LTV 81% to 90%
Not PMI Required		Annual Percentage Rate1Term2Monthly Payment per Thousand3
5/1 ARM66.250%up to 360 Months$6.16
7/1 ARM76.375%up to 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.
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.
Other Types of Mortgages

Other Types of Mortgages

TypeAnnual Percentage RateTerm2Monthly Payment per Thousand3
Unimproved Real Estate8.500%up to 180 Months$9.85
Unimproved Real Estate8.750%up to 240 Months$8.84
Home Equity Loan7.500%up to 60 Months$20.04
Home Equity Loan7.750%up to 120 Months$12.00
Home Equity Loan8.000%up to 180 Months$9.56
Fixed Rate HELOC 5/1088.250%$12.27
Fixed Rate HELOC 1/1598.250%$9.70
Variable Rate HELOC 10/15107.750%$9.41
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.
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.

Rates listed above apply to conventional mortgages only. Please contact the Bank for further details.

Consumer Loan Rates

Effective: 01/25/2023

Check Loan

Check Loan

TypeAnnual Percentage Rate11
Check Loan15.900%
11Check Loan is activated by an overdraft in the checking account. Interest is charged on active principal balances only. All applications will require a comprehensive review. All Check Loan customers must maintain a checking account at Jeff Bank.
All Secured/Unsecured Loans Up to $3,500

All Secured/Unsecured Loans Up to $3,500

TypeAnnual Percentage Rate
All loans up to $3,500
Secured or Unsecured		15.900%
*Other terms and conditions may apply.
Unsecured
TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
Installment10.000%48 months$25.36
Time/Demand10.000%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.

*A/C for above loans-deduct 1% for automatic withdrawal from account.
*Other terms and conditions may apply.
Auto / RV / Motorcycle / Boat

Auto / RV / Motorcycle / Boat

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 2021-20226.500%60 months$19.57
Used 2020-20216.750%60 months$19.68
Used 2018-20197.500%48 months$24.18
Used 2014-20178.500%36 months$31.57
New RV8.250%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.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.
ATV / Snowmobile

ATV / Snowmobile

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 2021-20227.250%60 months$19.92
Used 2020-20217.750%48 months$24.30
Used 2018-20198.750%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.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.
Mobile Homes

Mobile Homes

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 2021-20228.750%180 months 80% LTV$9.99
New 2021-20228.500%120 months 90% LTV$12.40
New 2021-20227.750%120 months 80% LTV$12.00
Used 2004-20079.750%60 months$21.12
Used 2008-20129.250%72 months$18.15
Used 2013-20178.750%84 months$15.96
Used 2018-20218.500%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.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.
Other Retail Consumer Goods

Other Retail / Consumer Goods

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New8.250%60 months$20.40
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.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.
Liquid Collateral

Liquid Collateral

TypeTerm2 
CDUp to 60 monthsCD Rate + 3.000%
Listed Stock - Variable RateUp to 60 monthsPrime
2Terms are available to the stated maximum number of months.


*Other terms and conditions may apply.

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