Page Title

Loan Rates

Loan Rates
Effective May 31, 2023

Cars, Trucks, and Vans
	Age of vehicle
Term Rates	0 - 2 years	3 - 5 years	6 - 10 years	10+ years
12 Months	6.11%	7.37%	7.87%	8.37%
24 Months	5.94%	7.19%	7.69%	8.19%
36 Months	5.87%	7.13%	7.63%	8.13%
48 Months	6.09%	7.34%	7.84%	8.34%
60 Months	6.33%	7.58%	8.09%	8.59%
72 Months	6.32%	7.57%	8.07%	8.57%

*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 6.33% APR* has an approximate monthly payment of $487.20.

PowerSports Motorcycles, ATVs, Snowmobiles, and Jetskis
	Age
Term Rates	0 - 2 years	3 - 4 years	5 - 7 years	8+ years
12 Months	7.12%	8.12%	8.37%	8.87%
24 Months	6.94%	7.94%	8.19%	8.69%
36 Months	6.88%	7.88%	8.13%	8.63%
48 Months	7.09%	8.09%	8.34%	8.85%
60 Months	7.07%	8.08%	8.33%	8.83%
72 Months	7.31%	8.31%	8.56%	9.06%

*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 7.07% APR* has an approximate monthly payment of $495.90.

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	6.87%	8.12%	8.62%	9.12%
24 Months	6.69%	7.94%	8.44%	8.94%
36 Months	6.73%	7.98%	8.48%	8.98%
48 Months	6.74%	7.99%	8.49%	9.00%
60 Months	6.97%	8.23%	8.73%	9.23%
72 Months	7.06%	8.31%	8.81%	9.31%
84 Months	7.15%	8.40%	8.90%	9.40%
120 Months	7.79%	9.04%	9.54%	10.04%
144 Months	7.93%	9.18%	9.68%	10.18%
180 Months	8.18%	9.43%	9.94%	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 6.97% APR* has an approximate monthly payment of $494.72.

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	6.87%	8.12%	8.62%	9.12%
24 Months	6.69%	7.94%	8.44%	8.94%
36 Months	6.73%	7.98%	8.48%	8.98%
48 Months	6.74%	7.99%	8.49%	9.00%
60 Months	6.97%	8.23%	8.73%	9.23%
72 Months	7.06%	8.31%	8.81%	9.31%
84 Months	7.15%	8.40%	8.90%	9.40%
120 Months	7.79%	9.04%	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 6.97% APR* has an approximate monthly payment of $494.72.

Home Loans
Term Rates	as low as*	APR**
10 Year Fixed	6.125%	6.513%
15 Year Fixed	6.750%	7.123%
20 Year Fixed	7.250%	7.555%
30 Year Fixed	7.375%	7.612%

Fixed rate repayment terms and an amortization schedule.

Construction Loans
Term Rates	as low as*	APR**
Up to 1 Year	5.750%	6.021%

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	5.750%	6.021%
7 Year Balloon	5.875%	6.147%
10 Year Balloon	6.125%	6.513%

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	5.875%	6.165%
10 Year Fixed Rate, Up to 80% of Value	6.875%	7.032%

Payment example: A 5 year $15,000 fixed rate home equity loan at 6.165% APR has an approximate monthly payment of $289.12. 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	8.250%

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 8.25% 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	5.50%

*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.