Page Title

Loan Rates

Loan Rates
Effective September, 19 2023

Cars, Trucks, and Vans
	Age of vehicle
Term Rates	0 - 2 years	3 - 5 years	6 - 10 years	10+ years
12 Months	6.36%	7.62%	8.12%	8.62%
24 Months	6.19%	7.44%	7.94%	8.44%
36 Months	6.12%	7.38%	7.88%	8.38%
48 Months	6.34%	7.59%	8.09%	8.59%
60 Months	6.57%	7.82%	8.33%	8.83%
72 Months	6.56%	7.81%	8.31%	8.81%

*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 6.57% APR* has an approximate monthly payment of $490.01.

PowerSports Motorcycles, ATVs, Snowmobiles, and Jetskis
	Age
Term Rates	0 - 2 years	3 - 4 years	5 - 7 years	8+ years
12 Months	7.37%	8.37%	8.62%	9.12%
24 Months	7.19%	8.19%	8.44%	8.94%
36 Months	7.13%	8.13%	8.38%	8.88%
48 Months	7.34%	8.34%	8.59%	9.10%
60 Months	7.32%	8.33%	8.58%	9.08%
72 Months	7.56%	8.56%	8.81%	9.31%

*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 7.32% APR* has an approximate monthly payment of $498.86.

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	7.37%	8.62%	9.12%	9.62%
24 Months	7.19%	8.44%	8.94%	9.44%
36 Months	7.13%	8.38%	8.88%	9.38%
48 Months	7.09%	8.34%	8.85%	9.35%
60 Months	7.23%	8.49%	8.99%	9.49%
72 Months	7.31%	8.56%	9.06%	9.56%
84 Months	7.55%	8.80%	9.30%	9.80%
120 Months	8.04%	9.29%	9.79%	10.29%
144 Months	8.53%	9.78%	10.28%	10.78%
180 Months	8.77%	10.03%	10.53%	N/A

*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 7.23% APR* has an approximate monthly payment of $497.79.

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	7.37%	8.62%	9.12%	9.62%
24 Months	7.19%	8.44%	8.94%	9.44%
36 Months	7.13%	8.38%	8.88%	9.38%
48 Months	7.09%	8.34%	8.85%	9.35%
60 Months	7.23%	8.49%	8.99%	9.49%
72 Months	7.31%	8.56%	9.06%	9.56%
84 Months	7.55%	8.80%	9.30%	9.80%
120 Months	8.04%	9.29%	N/A	N/A

*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 7.23% APR* has an approximate monthly payment of $497.79.

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Home Loans
Term Rates	as low as*	APR**
10 Year Fixed	7.000%	7.394%
15 Year Fixed	6.875%	7.250%
20 Year Fixed	7.625%	7.935%
30 Year Fixed	7.875%	8.120%

Fixed rate repayment terms and an amortization schedule.

Construction Loans
Term Rates	as low as*	APR**
Up to 1 Year	6.625%	6.903%

During the construction phase, payments are interest only based on the loan amount advanced.

Balloon Loans Owner occupied primary residence or second home
Term Rates	as low as*	APR**
5 Year Balloon	6.625%	6.903%
7 Year Balloon	6.750%	7.029%
10 Year Balloon	7.000%	7.394%

Balloon Loan repayment terms and an amortization schedule.

Home Equity Loans
Term Rates	as low as*	APR**
5 Year Fixed Rate, Up to 80% of Value	6.750%	7.042%
10 Year Fixed Rate, Up to 80% of Value	7.750%	7.910%

Payment example: A 5 year $15,000 fixed rate home equity loan at 7.042% APR has an approximate monthly payment of $295.25. 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	8.500%

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 subject to change semi-annually. Maximum rate 18%. A 20 year $30,000 variable rate home equity loan at 8.50% APR has an approximate monthly payment of $300. Other terms and amounts are available.

Home Improvement Loans
Loan Amount	as low as*
Up to $10,000	5.75%

*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.