Loan Rates
Mortgage Rates
Effective: 05/18/2022
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Fixed Mortgage Rates - Purchase
Fixed Mortgage Rates - Purchase
Type - LTV 80%or less Annual Percentage Rate1 Term2 Monthly Payment per Thousand3 Fixed Rates 4.375% 120 Months $10.30 4.625% 180 Months $7.71 4.875% 240 Months $6.53 5.750% 360 Months $5.84 Type - LTV 81% to 90%
Not PMI RequiredAnnual Percentage Rate1 Term2 Monthly Payment per Thousand3 Fixed Rates 4.625% 120 Months $10.42 4.875% 180 Months $7.84 5.125% 240 Months $6.67 5.875% 360 Months $5.92
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 4.500% 120 Months $10.36 4.750% 180 Months $7.78 5.000% 240 Months $6.60 5.750% 360 Months $5.84 Type - LTV 81% to 90%
No PMI RequiredAnnual Percentage Rate1 Term2 Monthly Payment per Thousand3 Fixed Rates 4.750% 120 Months $10.48 5.000% 180 Months $7.91 5.250% 240 Months $6.74 6.000% 360 Months $6.00
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 4.000% up to 360 Months $4.77 7/1 ARM7 4.125% up to 360 Months $4.85 Type - LTV 81% to 90%
Not PMI RequiredAnnual Percentage Rate1 Term2 Monthly Payment per Thousand3 5/1 ARM6 4.250% up to 360 Months $4.92 7/1 ARM7 4.375% up to 360 Months $4.99
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 4.125% up to 360 Months $4.85 7/1 ARM7 4.250% up to 360 Months $4.92 Type - LTV 81% to 90%
Not PMI RequiredAnnual Percentage Rate1 Term2 Monthly Payment per Thousand3 5/1 ARM6 4.375% up to 360 Months $4.99 7/1 ARM7 4.500% up to 360 Months $5.07
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 6.250% up to 180 Months $8.57 Unimproved Real Estate 6.750% up to 240 Months $7.60 Agriculture/Multi-Use Property 5.750% up to 240 Months $7.02 Home Equity Loan 5.500% up to 120 Months $10.85 Home Equity Loan 5.750% up to 180 Months $8.30 Home Equity Loan 6.000% up to 240 Months $7.16 Fixed Rate HELOC 5/108 5.750% $10.98 Fixed Rate HELOC 1/159 5.750% $8.30 Variable Rate HELOC 10/1510 4.750% $7.78
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: 05/18/2022
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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 8.250% 48 months $24.53 Time/Demand 8.250% Not to exceed 12 months $87.10
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
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
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
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
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.