Page Title

Loan Rates

Loan Rates
Effective November 16, 2022

Cars, Trucks, and Vans
	Age of vehicle
Term Rates	0 - 2 years	3 - 5 years	6 - 10 years	10+ years
12 Months	4.18%	5.43%	5.93%	6.43%
24 Months	4.09%	5.34%	5.84%	6.34%
36 Months	4.31%	5.56%	6.06%	6.56%
48 Months	4.54%	5.79%	6.29%	6.79%
60 Months	4.53%	5.78%	6.28%	6.78%
72 Months	4.78%	6.03%	6.53%	7.03%

*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 4.53% APR* has an approximate monthly payment of $466.43.

PowerSports Motorcycles, ATVs, Snowmobiles, and Jetskis
	Age
Term Rates	0 - 2 years	3 - 4 years	5 - 7 years	8+ years
12 Months	5.68%	6.68%	6.93%	7.43%
24 Months	5.59%	6.59%	6.84%	7.34%
36 Months	5.56%	6.56%	6.81%	7.31%
48 Months	5.74%	6.74%	6.99%	7.49%
60 Months	5.93%	6.93%	7.18%	7.68%
72 Months	6.03%	7.03%	7.28%	7.78%

*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 5.93% APR* has an approximate monthly payment of $482.52.

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	5.43%	6.68%	7.18%	7.68%
24 Months	5.34%	6.59%	7.09%	7.59%
36 Months	5.31%	6.56%	7.06%	7.56%
48 Months	5.44%	6.69%	7.19%	7.69%
60 Months	5.53%	6.78%	7.28%	7.78%
72 Months	5.53%	6.78%	7.28%	7.78%
84 Months	5.77%	7.02%	7.52%	8.02%
120 Months	6.26%	7.51%	8.01%	8.51%
144 Months	6.51%	7.76%	8.26%	8.76%
180 Months	6.76%	8.01%	8.51%	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 5.53% APR* has an approximate monthly payment of $477.89.

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	5.18%	6.43%	6.93%	7.43%
24 Months	5.09%	6.34%	6.84%	7.34%
36 Months	5.06%	6.31%	6.81%	7.31%
48 Months	5.29%	6.54%	7.04%	7.54%
60 Months	5.28%	6.53%	7.03%	7.53%
72 Months	5.78%	7.03%	7.53%	8.03%
84 Months	6.02%	7.27%	7.77%	8.27%
120 Months	6.51%	7.76%	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 5.28% APR* has an approximate monthly payment of $475.01.

Home Loans
Term Rates	as low as*	APR**
10 Year Fixed	5.875%	6.391%
15 Year Fixed	6.500%	6.871%
20 Year Fixed	6.875%	7.176%
30 Year Fixed	7.000%	7.232%

Fixed rate repayment terms and an amortization schedule.

Construction Loans
Term Rates	as low as*	APR**
Up to 1 Year	5.500%	5.755%

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	5.500%	5.755%
7 Year Balloon	5.625%	5.881%
10 Year Balloon	5.875%	6.391%

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

Payment example: A 5 year $15,000 fixed rate home equity loan at 5.875% APR has an approximate monthly payment of $287.38. 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	7.000%

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 subject to change semi-annually. Maximum rate 18%. A 20 year $30,000 variable rate home equity loan at 7.00% APR has an approximate monthly payment of $300. Other terms and amounts are available.

Home Improvement Loans
Loan Amount	as low as*
Up to $10,000	4.50%

*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.