Loan Rates
Home Mortgages
Rates Effective December 1, 2018
| Mortgage | Secondary Market | Portfolio Mortgage | |||
|---|---|---|---|---|---|
| Portfolio minimum credit score 661 | Rate (A) | APR | Payment per $1,000 | ||
| 30 Year | 5.000% | 5.12% | $5.12 | ||
| 20 Year | 4.750% | 4.91% | $6.46 | ||
| 15 Year | 4.500% | 4.70% | $7.65 | ||
| 10 Year | 4.375% | 4.66% | $10.30 | ||
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Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats
Rates Effective December 1, 2018
| Year | Max Term* | Annual Percentage Rate** | Monthly Payment per $1,000 |
|---|---|---|---|
Auto, Truck | |||
| 2018 & Newer (Min. $25,000) | 84 | 4.25% | $13.79 |
| 2018 & Newer (Min. $15,000) | 72 | 3.99% | $15.64 |
| 2018 & Newer | 60 | 3.25% | $18.08 |
| 2015-2017 (Used) | 60 | 3.99% | $18.41 |
| 2013-2014 (Used) | 48 | 4.50% | $22.81 |
| 2012 & older (Used) | 36 | 5.25% | $30.10 |
| Maximum mileage 125,000 | 60 month max mile 75,000 | max term over 75,000 miles 48 months | |
Motorcycle, ATV & Snowmobile | |||
| 2018 & Newer (Min. $15,000) | 72 | 4.25% | $15.77 |
| 2017 & Newer | 60 | 3.99% | $18.41 |
| 2015 & Newer | 48 | 4.99% | $23.04 |
| 2014 & Older | 36 | 5.50% | $30.21 |
Travel Trailers (RVs) and Boats | |||
| 2018 & Newer (Minimum $35,000) | 180 | 6.00% | $8.44 |
| 2017 & Newer (Minimum $25,000) | 120 | 5.75% | $10.98 |
| 2015 & Newer | 84 | 4.99% | $14.13 |
| 2012 & Newer | 60 | 5.50% | $19.11 |
| 2011 & Older | 36 | 6.00% | $30.43 |
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Home Equity
Rates Effective December 1, 2018
| Home Equity Loan (closed end) (+.50% for mobile homes) | Home Equity (1st Lien) | Home Equity (Subordinate Lien) |
||||
|---|---|---|---|---|---|---|
| 80% LTV | RATE (A) | APR | Payment per $1000 | RATE (A) | APR | Payment per $1000 |
| 20 Year (minimum $50,000) | 5.250% | 5.27% | $6.74 | N/A | N/A | N/A |
| 15 Year | 5.000% | 5.02% | $7.91 | 5.500% | 5.52% | $8.17 |
| 10 Year | 4.750% | 4.78% | $10.48 | 5.250% | 5.28% | $10.73 |
| 5 Year | 4.250% | 4.31% | $18.53 | 4.750% | 4.81% | $18.76 |
| Home Equity Line of Credit | ||||||
| 80% LTV | RATE (A) - Base Prime -.5 | APR-Adjusts Monthly based on Index | Payment per $1000 | RATE (A) - Base Prime -.25 | APR-Adjusts Monthly based on Index | Payment per $1000 |
| 80% LTV Prime (3.75) +/- margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV | 4.75% | 4.78% | Varies | 5.00% | 5.03% | Varies |
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Mobile Homes on Land
Rates Effective December 1, 2018
| Mobile Home on Land | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 30 Year (2012+ min. credit score 661) | 6.000% | 6.12% | $6.00 |
| 20 Year | 5.750% | 5.91% | $7.02 |
| 15 Year | 5.500% | 5.70% | $8.17 |
| 10 Year | 5.125% | 5.41% | $10.67 |
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Land Loans
Rates Effective December 1, 2018
| Land Loan | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 15 Year | 5.750% | 6.16% | $8.30 |
| 10 Year | 5.500% | 6.08% | $10.85 |
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Mobile Homes in a Park
Rates Effective December 1, 2018
| Mobile Homes in a Park | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 20 Year | 6.125% | 6.17% | $7.24 |
| 15 Year | 5.875% | 5.94% | $8.37 |
| 10 Year | 5.625% | 5.71% | $10.92 |
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Unsecured Loans
Rates Effective December 1, 2018
| Unsecured** | Max Term | Rate/APR | Payment per $1,000 |
|---|---|---|---|
| $5,000 or more (minimum credit score 661) | 60 | 10.50% | $21.51 |
| $3,500 or more | 48 | 9.50% | $25.15 |
| $500 or more | 36 | 9.25% | $31.95 |
| Share Secured (No LLPA's)*** | 60 | 3.25% | $18.09 |
| CD Secured (No LLPA's)*** | Match CD | CD Rate + 3.00% | Variable |
| Other Secured (Minimum $15,000) | 72 | 4.99% | $16.11 |
| 60 | 4.50% | $18.65 | |
| 48 | 4.25% | $22.70 | |
| Energy/Emergency Loan (No LLPA's) | 12 | 4.00% | $85.18 |
| Overdraft LOC ($5,000 Max, No LLPA's) A, B & C Credit Only | Revolving | 15.00% | $50.00 |
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