Loan Rates
Home Mortgages
Rates Effective April 1, 2018
| Mortgage | Secondary Market | Portfolio Mortgage | |||
|---|---|---|---|---|---|
| Portfolio minimum credit score 661 | Rate (A) | APR | Payment per $1,000 | ||
| 30 Year | 4.750% | 4.86% | $5.22 | ||
| 20 Year | 4.500% | 4.65% | $6.33 | ||
| 15 Year | 4.250% | 4.45% | $7.52 | ||
| 10 Year | 4.000% | 4.28% | $10.12 | ||
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Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats
Rates Effective April 1, 2018
| Year | Max Term* | Annual Percentage Rate** | Monthly Payment per $1,000 |
|---|---|---|---|
Auto, Truck | |||
| 2017 & Newer (Min. $25,000) | 84 | 3.99% | $13.67 |
| 2017 & Newer (Min. $15,000) | 72 | 3.50% | $15.42 |
| 2017 & Newer | 60 | 3.25% | $18.08 |
| 2014-2016 (Used) | 60 | 3.50% | $18.20 |
| 2012-2013 (Used) | 48 | 3.99% | $22.58 |
| 2011 & older Maximum Mileage 125,000 | 36 | 4.75% | $29.87 |
Motorcycle, ATV & Snowmobile | |||
| 2017 & Newer (Min. $15,000) | 72 | 4.00% | $15.65 |
| 2016 & Newer | 60 | 3.75% | $18.31 |
| 2013 & Newer | 48 | 4.25% | $22.70 |
| 2012 & Older | 36 | 4.75% | $29.87 |
Travel Trailers (RVs) and Boats | |||
| 2017 & Newer (Minimum $35,000) | 180 | 5.25% | $8.04 |
| 2016 & Newer (Minimum $25,000) | 120 | 4.99% | $10.60 |
| 2014 & Newer | 84 | 4.50% | $13.91 |
| 2011 & Newer | 60 | 4.75% | $18.76 |
| 2010 & Older | 36 | 4.99% | $29.97 |
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Home Equity
Rates Effective April 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) | 5.125% | 5.14% | $6.67 | N/A | N/A | N/A |
| 15 Year | 4.750% | 4.79% | $7.78 | 5.250% | 5.29% | $8.04 |
| 10 Year | 4.500% | 4.56% | $10.36 | 5.000% | 5.06% | $10.61 |
| 5 Year | 4.000% | 4.12% | $18.42 | 4.375% | 4.50% | $18.59 |
| 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 | 4.25% | 4.28% | Varies | 4.50% | 4.53% | Varies |
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Mobile Homes on Land
Rates Effective April 1, 2018
| Mobile Home on Land | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 30 Year (2012+ min. credit score 661) | 5.875% | 6.00% | $5.92 |
| 20 Year | 5.625% | 5,79% | $6.95 |
| 15 Year | 5.375% | 5.56% | $8.11 |
| 10 Year | 5.000% | 5.29% | $10.61 |
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Land Loans
Rates Effective April 1, 2018
| Land Loan | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 15 Year | 5.250% | 5.66% | $8.04 |
| 10 Year | 5.000% | 5.58% | $10.61 |
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Mobile Homes in a Park
Rates Effective April 1, 2018
| Mobile Homes in a Park | Rate (A) | APR | Payment per $1,000 |
|---|---|---|---|
| 20 Year | 6.000% | 6.05% | $7.16 |
| 15 Year | 5.750% | 5.81% | $8.30 |
| 10 Year | 5.500% | 5.59% | $10.85 |
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Unsecured Loans
Rates Effective April 1, 2018
| Unsecured** | Max Term | Rate/APR | Payment per $1,000 |
|---|---|---|---|
| $5,000 or more (minimum credit score 661) | 60 | 10.50% | $21.50 |
| $3,500 or more | 48 | 9.50% | $25.13 |
| $500 or more | 36 | 9.25% | $31.93 |
| Share Secured (No LLPA's)*** | 60 | 3.25% | $18.08 |
| CD Secured (No LLPA's)*** | Match CD | CD Rate + 3.00% | Variable |
| Other Secured (Minimum $15,000) | 72 | 4.99% | $16.10 |
| 60 | 4.50% | $18.65 | |
| 48 | 4.25% | $22.70 | |
| Energy/Emergency Loan (No LLPA's) | 12 | 4.00% | $85.16 |
| Overdraft LOC ($5,000 Max, No LLPA's) A, B & C Credit Only | Revolving | 15.00% | $50.00 |
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