Loan Rates

Home Mortgages

Rates Effective October 1, 2018

MortgageSecondary MarketPortfolio Mortgage   
Portfolio minimum credit score 661Rate (A)APRPayment per $1,000
30 Year4.875%4.99%$5.29
20 Year4.750%4.91%$6.46
15 Year4.500%4.70%$7.65
10 Year4.375%4.66%$10.30

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Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats

Rates Effective October 1, 2018

YearMax Term*Annual Percentage Rate**Monthly Payment per $1,000

Auto, Truck

2018 & Newer (Min. $25,000)844.00%$13.67
2018 & Newer (Min. $15,000)723.50%$15.42
2018 & Newer602.99%$17.97
2015-2017 (Used)603.50%$18.19
2013-2014 (Used)484.50%$22.81
2012 & older (Used)

365.25%$30.10
Maximum mileage 125,000

60 month max mile 75,000max term over 75,000 miles 48 months

Motorcycle, ATV & Snowmobile

2017 & Newer
(Min. $15,000)
724.25%$15.77
2017 & Newer 603.50%$18.19
2015 & Newer484.99%$23.04
2014 & Older
365.50%$30.21

Travel Trailers (RVs) and Boats

2017 & Newer
(Minimum $35,000)
1806.00%$8.44
2017 & Newer (Minimum $25,000)1205.75%$10.98
2014 & Newer844.99%$14.13
2012 & Newer605.50%$19.11
2011 & Older
366.00%$30.43

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Home Equity

Rates Effective October 1, 2018

Home Equity Loan
(closed end)
(+.50% for mobile homes)
Home Equity
(1st Lien)
Home Equity
(Subordinate Lien)
80% LTVRATE (A)APRPayment per $1000RATE (A)APRPayment per $1000
20 Year
(minimum $50,000)
5.250%5.27%$6.74N/AN/AN/A
15 Year5.000%5.02%$7.915.500%5.52%$8.17
10 Year4.750%4.78%$10.485.250%5.28%$10.73
5 Year4.250%4.31%$18.534.750%4.81%$18.76
Home Equity Line of Credit
80% LTVRATE (A) - Base
Prime -.5
APR-Adjusts Monthly based on IndexPayment per $1000RATE (A) - Base
Prime -.25
APR-Adjusts Monthly based on IndexPayment per $1000
80% LTV Prime (3.75) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV4.75%4.78%Varies5.00%5.03%Varies

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Mobile Homes on Land

Rates Effective October 1, 2018

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2012+ min. credit score 661)
6.000%6.12%$6.00
20 Year5.750%5.91%$7.02
15 Year5.500%5.70%$8.17
10 Year5.125%5.41%$10.67

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Land Loans

Rates Effective October 1, 2018

Land LoanRate (A)APRPayment per $1,000
15 Year5.750%6.16%$8.30
10 Year5.500%6.08%$10.85

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Mobile Homes in a Park

Rates Effective October 1, 2018

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year6.125%6.17%$7.24
15 Year5.875%5.94%$8.37
10 Year5.625%5.71%$10.92

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Unsecured Loans

Rates Effective October 1, 2018

Unsecured**Max TermRate/APRPayment per $1,000
$5,000 or more (minimum credit score 661)6010.50%$21.51
$3,500 or more489.50%$25.15
$500 or more
369.25%$31.95
Share Secured (No LLPA's)***603.25%$18.09
CD Secured (No LLPA's)***Match CDCD Rate + 3.00%Variable
Other Secured (Minimum $15,000)
724.99%$16.11
604.50%$18.65
484.25%$22.70
Energy/Emergency Loan (No LLPA's)124.00%$85.18
Overdraft LOC
($5,000 Max, No LLPA's) A, B & C Credit Only
Revolving15.00%$50.00

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