Vehicle Loan Rates
Effective Date: Sunday, March 26th, 2023
| Type | Rate As Low As - Fixed | Terms |
|---|---|---|
| 2022-2023 Vehicles | 6.75% APR* | Up to 72 mo. |
| 2017-2021 Vehicles | 7.25% APR* | Up to 60 mo. |
| 2016 and Older Vehicles | 7.25% APR* | Up to 60 mo. |
| New Motor Homes/Travel Trailers/Boats 2021-2022 | 7.00% APR* | Up to 72 mo. |
| Used Motor Homes/Travel Trailers/Boats 2016-2020 | 8.00% APR* | Up to 60 mo. |
| New Jet Skis, Motorcycles, Snowmobiles & ATV's 2021-2022 | 7.00% APR* | Up to 72 mo. |
| Used Jet Skis, Motorcycles, Snowmobiles & ATV's 2016-2020 | 8.00% APR* | Up to 60 mo. |
| Flex-Ride 2022-2023 | 7.25% APR* | Up to 72 mo. |
| Flex-Ride 2017-2021 | 7.75% APR* | Up to 60 mo. |
| *Annual Percentage Rate (APR). Published rate on date stated is subject to change without notice. Individual rates vary and are dependent on individual credit history and other factors including LTV and term. Auto loan payment example assuming: A $15,000 loan amount on a vehicle with 20% down, an excellent credit score, a 60 months term and a 4.75% APR. The monthly payments would be about $282. May require co-signer. | ||
Unsecured
Effective Date: Sunday, March 26th, 2023
| Type | Rate As Low As | Terms |
|---|---|---|
| Fixed | 10.25% APR* | Up to 60 mo. |
| *Annual Percentage Rate (APR). Published rate on date stated is subject to change without notice. Individual rates vary and are dependent on individual credit history. Loan payment example assuming: A $15,000 loan amount, an excellent credit score, a 60 months term and a 9.75% APR. The monthly payments would be about $316.86. May require co-signer. | ||
Mortgage Rates
Effective Date: Sunday, March 26th, 2023
| Type | Rate As Low As | APR* As Low As |
|---|---|---|
| 15 Year Fixed* | 6.375% | 6.43% |
| 30 Year Fixed* | 6.75% | 6.79% |
| VA Mortgage* | 6.75% | 7.14% |
| Rural Development* | 7.25% | 7.76% |
| * APR = Annual Percentage Rate. Published rate on date stated is subject to change without notice. Rate stated is “as low as” and not all borrowers may qualify. Rate and APR advertised assumes the loan is for an owner-occupied, single family, stick built, one-unit purchase transaction with a loan amount of $200,000, at 80% LTV with a FICO Credit Score of 700 or better. The disclosed APR includes origination fees and other finance charges. The APR’s disclosed above assume closing costs of $3,332. Your actual closing costs may vary based on your individual transaction. If your down payment is less than 20%, you may be required to obtain Private Mortgage Insurance (“PMI”) and to escrow for property taxes and insurance. Mortgage loan payment example assuming: A $200,000 loan amount on a primary home with 20% down, an excellent credit score, a 360 month term and a fixed rate of 6.375% APR. The monthly payments would be about $1,4247.74 which does not include PMI premiums, property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation. | ||
| 5 Yr Adj Closed End Mortgage** | 7.79% | 7.82% |
| ARM Unimproved Land** | 10.29% | 10.32% |
| ARM Investment Property** | 8.79% | 8.82% |
| **APR = Annual Percentage Rate. This loan is adjustable and will reset every five years; the annual percentage rate may vary after the account is opened. Published rate on date stated is subject to change without notice. Rate stated is “as low as” based on the 5 year T-bill and adjustments and restriction may apply, and not all borrowers may qualify. Minimum floor rate is 4.0%APR and maximum rate that may be imposed is 13.49%APR or the maximum allowed by law. Rate and APR advertised assumes the loan is for an owner occupied, primary residence, and single family, stick built unit purchase with a loan amount of $200,000, LTV 80%, and FICO credit score of 700 or higher, with a 30 year repayment period. The APR’s disclosed above assumes closing costs of $3,138. Mortgage loan payment example assuming: A $200,000 loan amount on a primary home with 20% down, an excellent credit score, a 360 month term and an initial rate of 7.79% APR. The monthly payments would be about $1,1438.36 which does not include PMI premiums, property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation. | ||
HELOC
| Type | Rate | APR* |
|---|---|---|
| 5 Yr Adj HELOC | 7.99% | |
| *APR = Annual Percentage Rate. This loan is adjustable and will reset every five years; the annual percentage rate may vary after the account is opened.. Published rate on date stated is subject to change without notice. Rate stated is “as low as” based on the 5 year T-bill and adjustments and restriction may apply, and not all borrowers may qualify. Minimum floor rate is 4.0%APR and maximum rate that may be imposed is 13.99%APR or the maximum allowed by law. Rate and APR advertised assumes the loan is for an owner occupied, primary or secondary residence, single family stick built home, with a refinance amount of $200,000, at 80% LTV with a FICO credit score of 700 or better, with a draw period of 5 years, and a repayment period of 15 years; assuming a $300.00 closing fee. Mortgage loan payment example assuming: A $200,000 loan amount on a primary home with 80% LTV, an excellent credit score, a 180 month repayment term and an initial rate of 7.99% APR. The monthly payments would be about $1,916.73 which does not include PMI premiums, property tax escrow amounts or other insurance premium amounts, which will increase your monthly payment obligation. | ||
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