Loan Rates
Mortgage Rates
Effective: 11/29/2023
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Fixed Mortgage Rates
Fixed Mortgage Rates - Purchase
Type - LTV 80%or less Annual Percentage Rate1, 4 Term2 Monthly Payment per Thousand3 Fixed Rates4 7.125% 120 Months $11.68 7.375% 180 Months $9.20 7.625% 240 Months $8.13 8.000% 360 Months $7.34 Type - LTV 81% to 90%
Not PMI RequiredAnnual Percentage Rate1, 4 Term2 Monthly Payment per Thousand3 Fixed Rates4 7.375% 120 Months $11.81 7.625% 180 Months $9.34 7.875% 240 Months $8.29 8.125% 360 Months $7.42
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, 4 Term2 Monthly Payment per Thousand3 3/1 ARM5 6.750% up to 360 Months $6.49 5/1 ARM6 6.875% up to 360 Months $6.57 7/1 ARM7 7.000% up to 360 Months $6.65 Type - LTV 81% to 90%
Not PMI RequiredAnnual Percentage Rate1 Term2 Monthly Payment per Thousand3 3/1 ARM5 7.000% up to 360 Months $6.65 5/1 ARM6 7.125% up to 360 Months $6.74 7/1 ARM7 7.250% up to 360 Months $6.82
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. -
Other Types of Mortgages
Other Types of Mortgages
Type Annual Percentage Rate Term2 Monthly Payment per Thousand3 Unimproved Real Estate 9.000% up to 180 Months $10.14 Unimproved Real Estate 9.125% up to 240 Months $9.08 Home Equity Loan 8.000% up to 60 Months $20.28 Home Equity Loan 8.250% up to 120 Months $12.27 Home Equity Loan 8.500% up to 180 Months $9.85 Fixed Rate HELOC 5/108 8.750% $12.53 Fixed Rate HELOC 1/159 8.750% $9.99 Variable Rate HELOC 10/1510 8.500% $9.85
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: 11/29/2023
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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 10.750% 48 months $25.72 Time/Demand 10.750% Not to exceed 12 months $88.27
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 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 2022-2023 7.250% 60 months $19.92 Used 2021-2022 7.500% 60 months $20.04 Used 2019-2020 8.250% 48 months $24.53 Used 2015-2018 9.250% 36 months $31.92 New RV 9.000% 120 months $12.67
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 2022-2023 8.000% 60 months $20.28 Used 2021-2022 8.500% 48 months $24.65 Used 2019-2020 9.500% 36 months $32.03
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 2022-2023 9.000% 180 months 80% LTV $10.14 New 2022-2023 8.750% 120 months 90% LTV $12.53 New 2022-2023 8.000% 120 months 80% LTV $12.13 Used 2005-2008 10.000% 60 months $21.25 Used 2009-2013 9.500% 72 months $18.27 Used 2014-2018 9.000% 84 months $16.09 Used 2019-2022 8.750% 120 months $12.53
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 9.000% 60 months $20.76
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.