Loan Rates

Home Mortgages

Rates Effective April 1, 2018

MortgageSecondary MarketPortfolio Mortgage   
Portfolio minimum credit score 661Rate (A)APRPayment per $1,000
30 Year4.750%4.86%$5.22
20 Year4.500%4.65%$6.33
15 Year4.250%4.45%$7.52
10 Year4.000%4.28%$10.12

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

Rates Effective April 1, 2018

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

Auto, Truck

2017 & Newer (Min. $25,000)843.99%$13.67
2017 & Newer (Min. $15,000)723.50%$15.42
2017 & Newer603.25%$18.08
2014-2016 (Used)603.50%$18.20
2012-2013 (Used)483.99%$22.58
2011 & older
Maximum Mileage 125,000
364.75%$29.87

Motorcycle, ATV & Snowmobile

2017 & Newer
(Min. $15,000)
724.00%$15.65
2016 & Newer 603.75%$18.31
2013 & Newer484.25%$22.70
2012 & Older
364.75%$29.87

Travel Trailers (RVs) and Boats

2017 & Newer
(Minimum $35,000)
1805.25%$8.04
2016 & Newer (Minimum $25,000)1204.99%$10.60
2014 & Newer844.50%$13.91
2011 & Newer604.75%$18.76
2010 & Older
364.99%$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% LTVRATE (A)APRPayment per $1000RATE (A)APRPayment per $1000
20 Year
(minimum $50,000)
5.125%5.14%$6.67N/AN/AN/A
15 Year4.750%4.79%$7.785.250%5.29%$8.04
10 Year4.500%4.56%$10.365.000%5.06%$10.61
5 Year4.000%4.12%$18.424.375%4.50%$18.59
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 & LTV4.25%4.28%Varies4.50%4.53%Varies

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Mobile Homes on Land

Rates Effective April 1, 2018

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2012+ min. credit score 661)
5.875%6.00%$5.92
20 Year5.625%5,79%$6.95
15 Year5.375%5.56%$8.11
10 Year5.000%5.29%$10.61

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Land Loans

Rates Effective April 1, 2018

Land LoanRate (A)APRPayment per $1,000
15 Year5.250%5.66%$8.04
10 Year5.000%5.58%$10.61

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Mobile Homes in a Park

Rates Effective April 1, 2018

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year6.000%6.05%$7.16
15 Year5.750%5.81%$8.30
10 Year5.500%5.59%$10.85

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Unsecured Loans

Rates Effective April 1, 2018

Unsecured**Max TermRate/APRPayment per $1,000
$5,000 or more (minimum credit score 661)6010.50%$21.50
$3,500 or more489.50%$25.13
$500 or more
369.25%$31.93
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%$16.10
604.50%$18.65
484.25%$22.70
Energy/Emergency Loan (No LLPA's)124.00%$85.16
Overdraft LOC
($5,000 Max, No LLPA's) A, B & C Credit Only
Revolving15.00%$50.00

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