Loan Rates

Home Mortgages

Rates Effective November 1, 2017

MortgageSecondary MarketPortfolio Mortgage   
Portfolio minimum credit score 661Rate (A)APRPayment per $1,000
30 Year4.25%4.36%$4.92
20 Year3.85%4.03%$5.99
15 Year3.5%3.69%$7.15
10 Year3.25%3.53%$9.77

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Auto Loan Rates

YearMax TermAnnual Percentage RateMonthly Payment per $1,000
2017 & Newer602.50%$17.75
2014-2016 (Used)602.75%$17.86
2017 & Newer (Min. $15,000)722.99%$15.19
2017 & Newer (Min. $25,000)843.69%$13.53
2012-2013 (Used)483.99%$22.58
2011 & older
Maximum Mileage 125,000
364.50%$29.75

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

Rates Effective November 1, 2017

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)722.99%$15.19
2017 & Newer602.50%$17.75
2014-2016 (Used)602.75%$17.86
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)
723.75%$15.42
2016 & Newer 603.25%$18.08
2013 & Newer483.99%$22.58
2012 & Older
364.50%$29.75

Travel Trailers (RVs) and Boats

2017 & Newer
(Minimum $35,000)
1804.50%$7.65
2016 & Newer (Minimum $25,000)1204.25%$10.24
2014 & Newer843.99%$13.67
2011 & Newer604.50%$18.64
2010 & Older
364.75%$29.86

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Home Equity

Rates Effective November 1, 2017

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)
4.000%4.02%$6.06N/AN/AN/A
15 Year3.750%3.86%$7.274.750%4.86%$7.78
10 Year3.500%3.66%$9.894.500%4.66%$10.36
5 Year3.250%3.55%$18.084.250%4.55%$18.53
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 & LTV3.75%3.780%Varies4.00%4.03%Varies

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Mobile Homes on Land

Rates Effective November 1, 2017

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2010+ min. credit score 661)
5.125%5.24$5.44
20 Year5.000%5.16%$6.60
15 Year4.250%4.45%$7.52
10 Year4.000%4.28%$10.12

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Land Loans

Rates Effective November 1, 2017

Land LoanRate (A)APRPayment per $1,000
15 Year4.500%4.90%$7.65
10 Year4.250%4.82%$10.24

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Mobile Homes in a Park

Rates Effective November 1, 2017

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year5.250%5.29%$6.74
15 Year4.625%4.63%$7.71
10 Year4.375%4.45%$10.30

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Unsecured Loans

Rates Effective November 1, 2017

Unsecured**Max TermRate/APRPayment per $1,000
$5,000 or more (minimum credit score 661)6010.25%$21.31
$3,500 or more489.25%$25.01
$500 or more
368.75%$31.69
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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