Page Title

Loan Rates

Loan Rates
Effective January 25, 2023

Cars, Trucks, and Vans
	Age of vehicle
Term Rates	0 - 2 years	3 - 5 years	6 - 10 years	10+ years
12 Months	4.96%	6.21%	6.72%	7.22%
24 Months	4.79%	6.04%	6.54%	7.04%
36 Months	4.87%	6.12%	6.63%	7.13%
48 Months	5.09%	6.34%	6.84%	7.34%
60 Months	5.07%	6.32%	6.82%	7.32%
72 Months	5.31%	6.56%	7.06%	7.56%

*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 5.07% APR* has an approximate monthly payment of $472.61.

PowerSports Motorcycles, ATVs, Snowmobiles, and Jetskis
	Age
Term Rates	0 - 2 years	3 - 4 years	5 - 7 years	8+ years
12 Months	6.11%	7.12%	7.37%	7.87%
24 Months	5.94%	6.94%	7.19%	7.69%
36 Months	5.87%	6.88%	7.13%	7.63%
48 Months	6.09%	7.09%	7.34%	7.84%
60 Months	6.07%	7.07%	7.32%	7.82%
72 Months	6.31%	7.31%	7.56%	8.06%

*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 6.07% APR* has an approximate monthly payment of $484.17.

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	5.96%	7.22%	7.72%	8.22%
24 Months	5.79%	7.04%	7.54%	8.04%
36 Months	5.72%	6.98%	7.48%	7.98%
48 Months	5.79%	6.99%	7.54%	8.04%
60 Months	5.87%	7.04%	7.62%	8.13%
72 Months	6.06%	7.12%	7.81%	8.31%
84 Months	6.05%	7.31%	7.80%	8.30%
120 Months	6.84%	8.09%	8.59%	9.09%
144 Months	7.03%	8.28%	8.78%	9.28%
180 Months	7.27%	8.52%	9.02%	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 5.87% APR* has an approximate monthly payment of $481.84.

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	5.96%	7.22%	7.72%	8.22%
24 Months	5.79%	7.04%	7.54%	8.04%
36 Months	5.72%	6.98%	7.48%	7.98%
48 Months	5.79%	7.04%	7.54%	8.04%
60 Months	5.87%	7.12%	7.62%	8.13%
72 Months	6.06%	7.31%	7.81%	8.31%
84 Months	6.05%	7.30%	7.80%	8.30%
120 Months	6.84%	8.09%	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 5.87% APR* has an approximate monthly payment of $481.84.

Home Loans
Term Rates	as low as*	APR**
10 Year Fixed	5.375%	5.886%
15 Year Fixed	6.250%	6.618%
20 Year Fixed	6.125%	6.417%
30 Year Fixed	6.500%	6.725%

Fixed rate repayment terms and an amortization schedule.

Construction Loans
Term Rates	as low as*	APR**
Up to 1 Year	5.000%	5.252%

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	5.000%	5.252%
7 Year Balloon	5.125%	5.378%
10 Year Balloon	5.375%	6.886%

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	5.125%
10 Year Fixed Rate, Up to 80% of Value	6.125%

Payment example: A 5 year $15,000 fixed rate home equity loan at 5.125% APR has an approximate monthly payment of $283.93. 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	7.500%

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 7.50% 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	4.75%

*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.