Loan Rates

Home Mortgages

Rates Effective February 1, 2018

MortgageSecondary MarketPortfolio Mortgage   
Portfolio minimum credit score 661Rate (A)APRPayment per $1,000
30 Year4.500%4.61%$5.07
20 Year4.250%4.40%$6.19
15 Year4.000%4.19%$7.40
10 Year3.750%4.03%$10.01

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

Rates Effective February 1, 2018

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

Auto, Truck

2017 & Newer (Min. $25,000)843.99%$13.66
2017 & Newer (Min. $15,000)723.25%$15.31
2017 & Newer602.99%$17.96
2014-2016 (Used)603.25%$18.08
2012-2013 (Used)483.99%$22.58
2011 & older
Maximum Mileage 125,000
364.50%$29.75

Motorcycle, ATV & Snowmobile

2017 & Newer
(Min. $15,000)
723.99%$15.64
2016 & Newer 603.50%$18.19
2013 & Newer483.99%$22.58
2012 & Older
364.50%$29.75

Travel Trailers (RVs) and Boats

2017 & Newer
(Minimum $35,000)
1804.99%$7.61
2016 & Newer (Minimum $25,000)1204.75%$10.49
2014 & Newer844.50%$13.90
2011 & Newer604.75%$18.76
2010 & Older
364.99%$29.97

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Home Equity

Rates Effective February 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)
4.500%4.52%$6.33N/AN/AN/A
15 Year4.250%4.27%$7.524.990%5.01%$7.90
10 Year3.875%3.91%$10.074.750%4.78%$10.48
5 Year3.625%3.69%$18.254.625%4.69%$18.70
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 & LTV4.00%4.03%Varies4.25%4.28%Varies

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Mobile Homes on Land

Rates Effective February 1, 2018

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2012+ min. credit score 661)
5.250%5.37%$5.52
20 Year5.000%5.16%$6.60
15 Year4.500%4.70%$7.65
10 Year4.250%4.53%$10.24

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Land Loans

Rates Effective February 1, 2018

Land LoanRate (A)APRPayment per $1,000
15 Year4.750%4.81%$7.78
10 Year4.500%4.59%$10.36

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Mobile Homes in a Park

Rates Effective February 1, 2018

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year5.375%5.42%$6.81
15 Year4.875%4.93%$7.84
10 Year4.625%4.71%$10.42

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Unsecured Loans

Rates Effective February 1, 2018

Unsecured**Max TermRate/APRPayment per $1,000
$5,000 or more (minimum credit score 661)6010.25%$21.37
$3,500 or more489.25%$25.01
$500 or more
368.99%$31.80
Share Secured (No LLPA's)***603.25%$18.08
CD Secured (No LLPA's)***Match CDCD Rate + 3.00%Variable
Other Secured (Minimum $15,000)
724.99%$16.11
604.25%$18.54
484.00%$22.59
Energy/Emergency Loan (No LLPA's)123.50%$84.92
Overdraft LOC
($5,000 Max, No LLPA's) A, B & C Credit Only
Revolving15.00%$50.00

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