Loan Rates
Mortgage Rates
Effective: 01/25/2023
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Fixed Mortgage Rates
Fixed Mortgage Rates - Purchase
Type - LTV 80%or less Annual Percentage Rate1 Term2 Monthly Payment per Thousand3 Fixed Rates4 6.000% 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 RequiredAnnual Percentage Rate1 Term2 Monthly Payment per Thousand3 Fixed Rates4 6.250% 120 Months $11.23 6.500% 180 Months $8.71 6.750% 240 Months $7.60 7.000% 360 Months $6.65
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 less Annual Percentage Rate1 Term2 Monthly Payment per Thousand3 5/1 ARM6 6.000% up to 360 Months $6.00 7/1 ARM7 6.125% up to 360 Months $6.08 Type - LTV 81% to 90%
Not PMI RequiredAnnual Percentage Rate1 Term2 Monthly Payment per Thousand3 5/1 ARM6 6.250% up to 360 Months $6.16 7/1 ARM7 6.375% up to 360 Months $6.24
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
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 7.500% up to 60 Months $20.04 Home Equity Loan 7.750% up to 120 Months $12.00 Home Equity Loan 8.000% up to 180 Months $9.56 Fixed Rate HELOC 5/108 8.250% $12.27 Fixed Rate HELOC 1/159 8.250% $9.70 Variable Rate HELOC 10/1510 7.750% $9.41
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
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Check Loan
Check Loan
Type Annual Percentage Rate11 Check Loan 15.900% -
All Secured/Unsecured Loans Up to $3,500
All Secured/Unsecured Loans Up to $3,500
Type Annual Percentage Rate All loans up to $3,500
Secured or Unsecured15.900% -
Unsecured
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
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
Type Annual Percentage Rate1 Term2 Monthly Payment per Thousand3 New 2021-2022 6.500% 60 months $19.57 Used 2020-2021 6.750% 60 months $19.68 Used 2018-2019 7.500% 48 months $24.18 Used 2014-2017 8.500% 36 months $31.57 New RV 8.250% 120 months $12.27
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
Type Annual Percentage Rate1 Term2 Monthly Payment per Thousand3 New 2021-2022 7.250% 60 months $19.92 Used 2020-2021 7.750% 48 months $24.30 Used 2018-2019 8.750% 36 months $31.68
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
Type Annual Percentage Rate1 Term2 Monthly Payment per Thousand3 New 2021-2022 8.750% 180 months 80% LTV $9.99 New 2021-2022 8.500% 120 months 90% LTV $12.40 New 2021-2022 7.750% 120 months 80% LTV $12.00 Used 2004-2007 9.750% 60 months $21.12 Used 2008-2012 9.250% 72 months $18.15 Used 2013-2017 8.750% 84 months $15.96 Used 2018-2021 8.500% 120 months $12.40
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
Type Annual Percentage Rate1 Term2 Monthly Payment per Thousand3 New 8.250% 60 months $20.40
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
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.