Page Title

Loan Rates

Loan Rates
Effective January 27, 2021

Cars, Trucks, and Vans
	Age of vehicle
Term Rates	0 - 2 years	3 - 5 years	6 - 10 years	10+ years
12 Months	2.68%	3.18%	3.43%	3.93%
24 Months	2.59%	3.09%	3.34%	3.84%
36 Months	2.56%	3.06%	3.31%	3.81%
48 Months	2.79%	3.29%	3.54%	4.04%
60 Months	3.03%	3.53%	3.78%	4.28%
72 Months	3.27%	3.77%	4.02%	4.53%

*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 3.03% APR* has an approximate monthly payment of $449.55.

PowerSports Motorcycles, ATVs, Snowmobiles, and Jetskis
	Age
Term Rates	0 - 2 years	3 - 4 years	5 - 7 years	8+ years
12 Months	3.98%	4.48%	4.98%	5.48%
24 Months	3.89%	4.39%	4.89%	5.39%
36 Months	3.86%	4.36%	4.86%	5.36%
48 Months	3.84%	4.34%	4.84%	5.34%
60 Months	3.83%	4.33%	4.83%	5.33%
72 Months	3.82%	4.32%	4.83%	5.33%

*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 4.78% APR* has an approximate monthly payment of $469.27.

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	4.18%	4.68%	4.93%	5.93%
24 Months	4.09%	4.59%	4.84%	5.84%
36 Months	4.31%	4.81%	5.06%	6.06%
48 Months	4.44%	4.94%	5.19%	6.19%
60 Months	4.63%	5.13%	5.38%	6.38%
72 Months	4.83%	5.33%	5.58%	6.58%
84 Months	5.27%	5.77%	6.02%	7.02%
120 Months	5.51%	6.01%	6.26%	7.26%
144 Months	5.76%	6.26%	6.51%	7.51%
180 Months	6.26%	6.76%	7.01%	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 4.63% APR* has an approximate monthly payment of $467.55.

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	4.18%	5.18%	5.68%	5.93%
24 Months	4.09%	5.09%	5.59%	5.84%
36 Months	4.31%	5.31%	5.81%	6.06%
48 Months	4.79%	5.79%	6.29%	6.54%
60 Months	5.03%	6.03%	6.53%	6.78%
72 Months	5.53%	6.53%	7.03%	7.28%
84 Months	5.77%	6.77%	7.27%	7.52%
120 Months	7.01%	8.01%	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 5.03% APR* has an approximate monthly payment of $472.12.

Home Loans
Term Rates	as low as*	APR**
10 Year Fixed	2.250%	2.732%
15 Year Fixed	2.250%	2.579%
20 Year Fixed	2.500%	2.754%
30 Year Fixed	2.750%	2.930%

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.