Page Title

Loan Rates

Loan Rates
Effective November 15, 2021

Cars, Trucks, and Vans
	Age of vehicle
Term Rates	0 - 2 years	3 - 5 years	6 - 10 years	10+ years
12 Months	1.93%	2.43%	2.68%	3.18%
24 Months	1.84%	2.34%	2.59%	3.09%
36 Months	1.81%	2.31%	2.56%	3.06%
48 Months	1.94%	2.44%	2.69%	3.19%
60 Months	1.93%	2.43%	2.68%	3.18%
72 Months	1.92%	2.42%	2.67%	3.17%

*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 2.03% APR* has an approximate monthly payment of $432.52.

PowerSports Motorcycles, ATVs, Snowmobiles, and Jetskis
	Age
Term Rates	0 - 2 years	3 - 4 years	5 - 7 years	8+ years
12 Months	3.43%	4.18%	4.43%	4.93%
24 Months	3.34%	4.09%	4.34%	4.84%
36 Months	3.56%	4.31%	4.56%	5.06%
48 Months	3.54%	4.29%	4.54%	5.04%
60 Months	4.03%	4.78%	5.03%	5.53%
72 Months	4.27%	5.03%	5.28%	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 4.03% APR* has an approximate monthly payment of $460.75.

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%	4.34%	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	3.78%	4.53%	4.78%	5.53%
72 Months	4.02%	4.78%	5.03%	5.78%
84 Months	4.02%	4.77%	5.02%	5.77%
120 Months	4.26%	5.01%	5.26%	6.01%
144 Months	4.51%	5.26%	5.51%	6.26%
180 Months	4.76%	5.51%	5.76%	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 3.78% APR* has an approximate monthly payment of $457.94.

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	3.68%	4.68%	5.18%	5.43%
24 Months	3.59%	4.59%	5.09%	5.34%
36 Months	3.56%	4.56%	5.06%	5.31%
48 Months	3.79%	4.79%	5.29%	5.54%
60 Months	4.03%	5.03%	5.53%	5.78%
72 Months	4.02%	5.03%	5.53%	5.78%
84 Months	4.27%	5.27%	5.77%	6.02%
120 Months	4.51%	5.51%	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 4.03% APR* has an approximate monthly payment of $460.75.

Home Loans
Term Rates	as low as*	APR**
10 Year Fixed	2.750%	3.237%
15 Year Fixed	2.750%	3.083%
20 Year Fixed	3.125%	3.385%
30 Year Fixed	3.250%	3.435%

Fixed rate repayment terms and an amortization schedule.

Construction Loans
Term Rates	as low as*	APR**
Up to 1 Year	2.250%	2.579%

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

Balloon Loans Owner occupied primary residence or second home
Term Rates	as low as*	APR**
5 Year Balloon	2.250%	2.579%
7 Year Balloon	2.250%	2.579%
10 Year Balloon	2.500%	2.831%
15 Year Balloon	2.750%	3.083%

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	1.900%
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 variable 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	2.750%

*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.