Page Title

Loan Rates

Loan Rates
Effective January 15, 2020

Cars, Trucks, and Vans
	Age of vehicle
Term Rates	0 - 2 years	3 - 5 years	6 - 10 years	10+ years
12 Months	2.74%	3.26%	3.49%	3.99%
24 Months	3.09%	3.59%	3.84%	4.34%
36 Months	3.06%	3.56%	3.81%	4.31%
48 Months	3.56%	4.05%	4.29%	4.80%
60 Months	3.79%	4.28%	4.54%	5.04%
72 Months	4.03%	4.53%	4.78%	5.29%

*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 3.79% APR* has an approximate monthly payment of $458.05.

PowerSports Motorcycles, ATVs, Snowmobiles, and Jetskis
	Age
Term Rates	0 - 2 years	3 - 4 years	5 - 7 years	8+ years
12 Months	4.18%	4.93%	5.12%	5.68%
24 Months	4.09%	4.84%	5.09%	5.59%
36 Months	4.31%	5.07%	5.32%	5.82%
48 Months	4.55%	5.30%	5.55%	6.06%
60 Months	5.04%	5.80%	6.04%	6.54%
72 Months	5.29%	6.04%	6.29%	6.79%

*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 5.04% APR* has an approximate monthly payment of $472.24.

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%	4.91%	5.18%
24 Months	4.09%	4.59%	4.84%	5.09%
36 Months	4.31%	4.81%	5.07%	5.32%
48 Months	4.45%	4.95%	5.20%	5.45%
60 Months	4.64%	5.14%	5.39%	5.65%
72 Months	4.83%	5.34%	5.59%	5.84%
84 Months	5.28%	5.78%	6.04%	6.29%
120 Months	5.76%	6.28%	6.53%	6.78%
144 Months	6.53%	7.02%	7.28%	7.53%
180 Months	6.77%	7.28%	7.53%	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 4.64% APR* has an approximate monthly payment of $467.67.

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	4.08%	5.09%	5.59%	5.89%
36 Months	4.31%	5.32%	5.82%	6.07%
48 Months	4.79%	5.80%	6.31%	6.56%
60 Months	5.04%	6.04%	6.54%	6.80%
72 Months	5.53%	6.54%	7.04%	7.30%
84 Months	5.79%	6.79%	7.29%	7.54%
120 Months	6.53%	7.54%	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 5.04% APR* has an approximate monthly payment of $472.24.

Home Loans
Term Rates	as low as*	APR**
10 Year Fixed	4.000%	4.532%
15 Year Fixed	3.250%	3.611%
20 Year Fixed	3.625%	3.908%
30 Year Fixed	3.750%	3.954%

Fixed rate repayment terms and an amortization schedule.

Construction Loans
Term Rates	as low as*	APR**
Up to 1 Year	3.250%	3.486%

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	3.250%	3.448%
7 Year Balloon	3.500%	3.701%
10 Year Balloon	4.125%	4.334%

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	3.900%
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	4.000%

*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.