1-800-639-2206
Home Banking

Loan Rates

Check out these Low Loan Rates!

Rates will vary within the ranges shown based on borrower's credit score, selected term, and percentage financed. Contact our loan department for details.

Use our Loan Calculator to estimate monthly payments, see how your down payment affects your loan, and more.

Type Features Term-APR
New Auto Up to 100% of MSRP
Up to 6 years
 4.70% - 10.95%
Used Auto Up to 100% of NADA
Up to 5 years
 5.70% - 11.95%
Motorcyle, ATV, Sled
New & Used
Up to 100% of NADA
Up to 5 Years
6.45% - 12.70%
RV's, Motorhomes
Boats, Personal Watercraft
New & Used
Up to 100% of NADA
Up to 15 Years
6.95% - 13.45%
Equipment - New & Used Tractors, Backhoes, Heavy Duty Trucks, Skidders, etc
Up to 15 Years
 8.40% - 14.40%
Personal Signature
Up to 5 Years
10.40% - 15.90%
Visa Classic Earn ScoreCard Points
11.90% - 16.90%
Visa Gold Earn ScoreCard Points
8.90% - 9.90%
Student - Stafford First disbursement Higher Education Loan for Students
10 Years - 6.00%
(subsidized undergraduates)

10 Years - 6.80%
(unsubsidized & graduates)
Student - Plus First disbursement Higher Education Loan for Parents
10 Years - 8.50%
Mobile Home - New & Used New -  10% Down
Used - 20% Down
15 Yrs - 9.40%
Home Equity Line of Credit
   - Variable Rate
90% Max Loan to Value
15 Years
4.50% - 5.00% *3
Home Equity Loan
   - Fixed Rate & Terms
90% Max Loan to Value
5 to 15 Years
6.00% - 8.50%




Mortgages - Fixed Rate
80% Max Loan to Value

90% Max Loan to Value (with
Private Mortgage Insurance)

0 Points

Purchase & Refinance Transactions

Primary Residence
10 Years:  Rate: 6.500%
                   APR: 6.584%

15 Years:  Rate: 6.750% 
                   APR: 6.681%

20 Years:  Rate: 7.125%
                   APR: 7.714%

30 Years:  Rate: 7.250%
                   APR: 7.288% *4

Mortgages - 5/5 ARM
Adjustable Rate Mortgage

Fixed Rate for first 5 years.
Rate may adjust every 5       years thereafter.
Contact us for details.

80% Max Loan to Value

90% Max Loan to Value (with
Private Mortgage Insurance) 

0 Points

Purchase & Refinance Transactions

Primary Residence

15 Years: 
Rate: 5.750%
                   APR: 5.460%

20 Years:  Rate: 5.750%
                   APR: 5.356%

30 Years:  Rate: 5.750%
                   APR: 5.244% *4

Mortgages - 7/1 ARM
Adjustable Rate  Mortgage

Fixed Rate for first 7 years.
Rate may adjust every
year thereafter.
Contact us for details.
80% Max Loan to Value

90% Max Loan to Value (with Private Mortgage Insurance)

0 Points

Purchase & Refinance Transactions

Primary Residence

15 Years: 
Rate: 5.750%
                   APR: 5.595%

20 Years:  Rate: 5.750%
                   APR: 5.480%

30 Years:  Rate: 5.750%
                   APR: 5.348% *4
Land Loans 80% Max Loan to Value
0 Points
15 Years:  Rate: 8.500%
                   APR: 8.560 *4
Camps and
Seasonal Properties
80% Max Loan to Value
0 Points
15 Year Max on Purchases
20 Years:  Rate: 7.500%
                   APR: 7.560%
Investment Property /
Non-Owner Occupied
80% Max Loan to Value
0 Points
 15 Years: Rate: 8.500%
                   APR: 8.560%
Share Secured
Share Certificate Secured
Minimum Loan Amount $500.
Rate is 3% above Rate on Share/Share Certificate.
Up to 15 Years: 
4.000% - 6.800%
Business Loans Local Decisions & Service.
Many Products to fit your business needs.
Rates depend on type of loan
and borrower strength.
Contact us for details.
  • * Rates subject to change without notice.
  • 3 Prime Rate minus .50% to Prime Rate plus 0% based on credit score, Adjusted quarterly
  • 4 Add .50 to interest rate for first mortgage loans under $50,000.00
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