Loan Rates

Mortgage Rates

Effective: 01/19/2022

Fixed Mortgage Rates - Purchase

Fixed Mortgage Rates - Purchase

Type - LTV 80%or less	Annual Percentage Rate1	Term2	Monthly Payment per Thousand3
Fixed Rates	2.750%	120 Months	$9.54
	2.875%	180 Months	$6.85
	3.125%	240 Months	$5.61
	3.750%	360 Months	$4.63
Type - LTV 81% to 90% Not PMI Required	Annual Percentage Rate1	Term2	Monthly Payment per Thousand3
Fixed Rates	3.000%	120 Months	$9.66
	3.125%	180 Months	$6.97
	3.375%	240 Months	$5.74
	4.000%	360 Months	$4.77

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.
¹⁵Annual 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 "725" or higher.

*Other terms and conditions may apply.

Fixed Mortgage Rates - Refinance

Fixed Mortgage Rates - Refinance

Type - LTV 80% or less	Annual Percentage Rate1	Term2	Monthly Payment per Thousand3
Fixed Rates	2.875%	120 Months	$9.60
	3.000%	180 Months	$6.91
	3.250%	240 Months	$5.67
	3.875%	360 Months	$4.70
Type - LTV 81% to 90% No PMI Required	Annual Percentage Rate1	Term2	Monthly Payment per Thousand3
Fixed Rates	3.125%	120 Months	$9.71
	3.250%	180 Months	$7.03
	3.500%	240 Months	$5.80
	4.125%	360 Months	$4.85

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.

*Other terms and conditions may apply.

Adjustable Rate Mortgages - Purchase

Adjustable Rate Mortgages - Purchase

Type - LTV 80% or less	Annual Percentage Rate1	Term2	Monthly Payment per Thousand3
5/1 ARM6	2.500%	up to 360 Months	$3.95
7/1 ARM7	2.625%	up to 360 Months	$4.02
Type - LTV 81% to 90% Not PMI Required	Annual Percentage Rate1	Term2	Monthly Payment per Thousand3
5/1 ARM6	2.750%	up to 360 Months	$4.08
7/1 ARM7	2.875%	up to 360 Months	$4.15

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.
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.

Adjustable Rate Mortgages - Refinance

Adjustable Rate Mortgages - Refinance

Type - LTV 80% or less	Annual Percentage Rate1	Term2	Monthly Payment per Thousand3
5/1 ARM6	2.625%	up to 360 Months	$4.02
7/1 ARM7	2.750%	up to 360 Months	$4.08
Type - LTV 81% to 90% Not PMI Required	Annual Percentage Rate1	Term2	Monthly Payment per Thousand3
5/1 ARM6	2.875%	up to 360 Months	$4.15
7/1 ARM7	3.000%	up to 360 Months	$4.22

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.
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	5.750%	up to 180 Months	$8.30
Unimproved Real Estate	6.250%	up to 240 Months	$7.31
Agriculture/Multi-Use Property	5.500%	up to 240 Months	$6.88
Home Equity Loan	5.000%	up to 120 Months	$10.61
Home Equity Loan	5.250%	up to 180 Months	$8.04
Home Equity Loan	5.500%	up to 240 Months	$6.88
Fixed Rate HELOC 5/108	5.250%		$10.73
Fixed Rate HELOC 1/159	5.250%		$8.04
Variable Rate HELOC 10/1510	4.000%		$7.40

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: 01/19/2022

Check Loan

Check Loan

Type	Annual Percentage Rate11
Check Loan	15.900%

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

Type	Annual Percentage Rate
All loans up to $3,500 Secured or Unsecured	15.900%

*Other terms and conditions may apply.

Unsecured

Type	Annual Percentage Rate1	Term2	Monthly Payment per Thousand3
Installment	8.250%	48 months	$24.53
Time/Demand	8.250%	Not to exceed 12 months	$87.10

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

Type	Annual Percentage Rate1	Term2	Monthly Payment per Thousand3
New 2021-2022	4.750%	60 months	$18.76
Used 2020-2021	5.000%	60 months	$18.87
Used 2018-2019	6.000%	48 months	$23.49
Used 2014-2017	7.000%	36 months	$30.88
New RV	8.000%	120 months	$12.13

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

Type	Annual Percentage Rate1	Term2	Monthly Payment per Thousand3
New 2021-2022	6.250%	60 months	$19.45
Used 2020-2021	7.250%	48 months	$24.06
Used 2018-2019	8.250%	36 months	$31.45

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

Type	Annual Percentage Rate1	Term2	Monthly Payment per Thousand3
New 2021-2022	6.000%	180 months 80% LTV	$8.44
New 2021-2022	5.750%	120 months 90% LTV	$10.98
New 2021-2022	5.500%	120 months 80% LTV	$10.85
Used 2004-2007	8.250%	48 months	$24.53
Used 2008-2012	7.750%	60 months	$20.16
Used 2013-2017	7.250%	84 months	$15.22
Used 2018-2021	7.000%	120 months	$11.61

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

Type	Annual Percentage Rate1	Term2	Monthly Payment per Thousand3
New	4.000%	60 months	$18.42

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

Type	Term2
CD	Up to 60 months	CD Rate + 3.000%
Listed Stock - Variable Rate	Up to 60 months	Prime

²Terms are available to the stated maximum number of months.


*Other terms and conditions may apply.