Page Title

Loan Rates

Loan Rates
Effective September 25, 2018

Cars, Trucks, and Vans
	Age of vehicle
Term Rates	0 - 2 years	3 - 5 years	6 - 10 years	10+ years
12 Months	1.99%	2.49%	2.74%	3.24%
24 Months	2.09%	2.59%	2.84%	3.34%
36 Months	3.06%	3.56%	3.81%	4.31%
48 Months	3.04%	3.54%	3.79%	4.29%
60 Months	3.03%	3.53%	3.78%	4.28%
72 Months	3.02%	3.52%	3.76%	4.27%

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.
**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment Example: A 60 month $25,000 fixed rate secured new auto loan at 2.99% APR* has an approximate monthly payment of $449.56.

Powersports Motorcycles, ATVs, Snowmobiles, and Jetskis
	Age
Term Rates	0 - 2 years	3 - 4 years	5 - 7 years	8+ years
12 Months	3.93%	4.68%	4.93%	5.43%
24 Months	3.84%	4.59%	4.84%	5.34%
36 Months	3.81%	4.56%	4.81%	5.31%
48 Months	4.04%	4.79%	5.04%	5.54%
60 Months	4.03%	4.78%	5.03%	5.53%
72 Months	4.27%	5.02%	5.27%	5.78%

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.

**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment Example: A 60 month $25,000 fixed rate secured new powersport loan at 3.78% APR* has an approximate monthly payment of $457.94.

Boats/RVs/Campers All boats (except jetskis), travel trailers, motorhomes, pop-up campers, and ice fishing trailers
	Age
Term Rates	0 - 2 years	3 - 5 years	6 - 10 years	10+ years
12 Months	3.68%	4.43%	4.68%	5.43%
24 Months	3.59%	4.38%	4.59%	5.34%
36 Months	3.56%	4.31%	4.56%	5.31%
48 Months	3.79%	4.54%	4.79%	5.54%
60 Months	4.04%	4.79%	5.04%	5.79%
72 Months	4.28%	5.03%	5.28%	6.03%
84 Months	4.77%	5.52%	5.77%	6.52%
120 Months	5.26%	6.01%	6.26%	7.01%
144 Months	6.26%	7.01%	7.26%	8.01%
180 Months	6.26%	7.01%	7.26%	NA

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.

**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment example: A 60 month $25,000 fixed rate secured new boat/camper/RV loan at 3.53% APR* has an approximate monthly payment of $455.14.

Other Secured Mowers, small tractors, utility trailers, horse trailers, bobcats, and equipment
	Age
Term Rates	0 - 2 years	3 - 4 years	5 - 7 years	8+ years
12 Months	3.92%	4.92%	5.43%	5.68%
24 Months	3.84%	4.84%	5.34%	5.59%
36 Months	4.06%	5.06%	5.56%	5.81%
48 Months	4.09%	5.04%	5.54%	5.79%
60 Months	4.28%	5.28%	5.78%	6.03%
72 Months	4.53%	5.53%	6.03%	6.28%
84 Months	4.77%	5.77%	6.28%	6.52%
120 Months	5.26%	6.26%	NA	NA

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.

**APR based on loan amount of $25,000 for term and rate chosen. Other dollar amounts available.
Payment Example: A 60 month $25,000 fixed rate new other secured loan at 3.99% APR* has an approximate monthly payment of $460.76.

Home Loans
Term Rates	as low as*	APR**
15 Year Fixed	4.500%	4.874%
20 Year Fixed	4.875%	5.172%
30 Year Fixed	5.000%	5.220%

Fixed rate repayment terms and an amortization schedule.

Construction Loans
Term Rates	as low as*	APR**
Up to 1 Year	3.250%	3.486%

During the construction phase, payments are interest only based on the loan amount advanced. $50 minimum payment.

Balloon Loans
Term Rates	as low as*	APR**
5 Year Balloon	3.250%	3.447%
7 Year Balloon	3.500%	3.698%

Balloon Loan repayment terms and an amortization schedule.

Home Equity Loans
Term Rates	as low as*
5 Year Fixed Rate, Up to 80% of Value	3.500%
10 Year Fixed Rate, Up to 80% of Value	4.500%

Payment example: A 5 year $15,000 fixed rate home equity loan at 3.500% APR has an approximate monthly payment of $272.88. Other terms and amounts are available.

Home Equity - Line of Credit
Term Rates	as low as*
Introductory Rate for 6 months	3.900%
Rate after 6 months	5.000%

Payments: 1.0% of principal balance owed on the monthly billing date (minimum payment $50) after each new advance. Loan term is 20 years - 10 year draw period and 10 repayment period. Rate offered subject to change monthly for new loans. Maximum rate 18%. A 20 year $30,000 fixed rate home equity loan at 5.00% APR has an approximate monthly payment of $300. Other terms and amounts are available.

Home Improvement Loans
Loan Amount	as low as*
Up to $7,500	4.250%

*Actual rate will be based on individual’s credit rating, amount financed, and other factors. On approved credit. Rates are subject to change.

**APR = Annual Percentage Rate is based on a $100,000 mortgage with a 1% origination fee and a 20% down payment.