Page Title

Loan Rates

Loan Rates
Effective August 1, 2022

Cars, Trucks, and Vans
	Age of vehicle
Term Rates	0 - 2 years	3 - 5 years	6 - 10 years	10+ years
12 Months	3.18%	4.43%	4.93%	5.43%
24 Months	3.09%	4.34%	4.84%	5.34%
36 Months	3.32%	4.57%	5.07%	5.57%
48 Months	3.44%	4.69%	5.19%	5.69%
60 Months	3.53%	4.78%	5.28%	5.78%
72 Months	3.52%	4.78%	5.28%	5.78%

*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 auto loan at 3.53% APR* has an approximate monthly payment of $454.69.

PowerSports Motorcycles, ATVs, Snowmobiles, and Jetskis
	Age
Term Rates	0 - 2 years	3 - 4 years	5 - 7 years	8+ years
12 Months	4.39%	5.39%	5.64%	6.14%
24 Months	4.30%	5.30%	5.55%	6.05%
36 Months	4.27%	5.27%	5.52%	6.02%
48 Months	4.25%	5.25%	5.50%	6.00%
60 Months	4.28%	5.28%	5.53%	6.03%
72 Months	4.42%	5.43%	5.68%	6.18%

*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 4.28% APR* has an approximate monthly payment of $463.13.

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	4.28%	5.53%	6.03%	6.53%
24 Months	4.19%	5.44%	5.94%	6.44%
36 Months	4.16%	5.41%	5.91%	6.41%
48 Months	4.24%	5.49%	5.99%	6.49%
60 Months	4.33%	5.58%	6.08%	6.58%
72 Months	4.53%	5.78%	6.28%	6.78%
84 Months	4.52%	5.77%	6.27%	6.77%
120 Months	5.31%	6.56%	7.06%	7.56%
144 Months	5.51%	6.76%	7.26%	7.76%
180 Months	5.61%	6.86%	7.36%	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 4.33% APR* has an approximate monthly payment of $463.69.

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	4.28%	5.53%	6.03%	6.53%
24 Months	4.19%	5.44%	5.94%	6.44%
36 Months	4.16%	5.41%	5.91%	6.41%
48 Months	4.54%	5.79%	6.29%	6.79%
60 Months	4.78%	6.03%	6.53%	7.03%
72 Months	5.03%	6.28%	6.78%	7.28%
84 Months	5.27%	6.52%	7.02%	7.52%
120 Months	5.76%	7.01%	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 4.78% APR* has an approximate monthly payment of $468.81.

Home Loans
Term Rates	as low as*	APR**
10 Year Fixed	4.500%	5.003%
15 Year Fixed	5.500%	5.860%
20 Year Fixed	5.000%	5.279%
30 Year Fixed	5.500%	5.712%

Fixed rate repayment terms and an amortization schedule.

Construction Loans
Term Rates	as low as*	APR**
Up to 1 Year	4.125%	4.371%

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	4.125%	4.371%
7 Year Balloon	4.250%	4.497%
10 Year Balloon	4.500%	5.003%

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	4.500%
10 Year Fixed Rate, Up to 80% of Value	5.500%

Payment example: A 5 year $15,000 fixed rate home equity loan at 4.500% APR has an approximate monthly payment of $279.65. 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 subject to change semi-annually. 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 $10,000	3.750%

*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.