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.

Apply online with WebLoan!

Type Features Term-APR
Auto 2008-2013 Up to 100% of MSRP
Up to 6 years
 1.75% - 11.95%
Auto 2007 & older Up to 100% of NADA
Up to 5 years
 4.75% - 13.20%
Motorcycle, ATV, Snowsled
New & Used
Up to 100% of NADA
Up to 5 Years
4.25% - 12.50%
RV's, Motorhomes
Boats, Personal Watercraft
New & Used
Up to 100% of NADA
Up to 15 Years
5.50% - 14.50%
Equipment - New & Used Tractors, Backhoes, Heavy Duty Trucks, Skidders, etc
Up to 15 Years
 7.50% - 14.75%
Personal Signature
Up to 5 Years
10.40% - 16.90%
Visa Classic Earn ScoreCard Points
11.90% - 16.90%
Visa Gold Earn ScoreCard Points
8.90% - 9.90%
Home Equity Line of Credit
   - Variable Rate
85% Max Loan to Value
More Info
15 Years
3.500% - 3.500% *1
Home Equity Loan
   - Fixed Rate & Terms
85% Max Loan to Value
More Info
5 to 15 Years
4.250% - 6.500%




Mortgages - Fixed Rate

- including
   Mobile Home and Land
80% Max Loan to Value

95% Max Loan to Value (with
Private Mortgage Insurance)

0 Points

Purchase & Refinance Transactions

Primary Residence

More Info
10 Years:  Rate: 5.250%
                   APR: 5.340%

15 Years:  Rate: 4.500% 
                   APR: 4.571%

20 Years:  Rate: 4.500%
                   APR: 4.556%

30 Years:  Rate: 5.375%
                   APR: 5.418% *2

Mortgages - 2/2 ARM
Adjustable Rate Mortgage

Fixed Rate for first 2 years.
Rate may adjust every 2       years thereafter.
Contact us for details.

80% Max Loan to Value

95% Max Loan to Value (with
Private Mortgage Insurance) 

0 Points

Purchase & Refinance Transactions

Primary Residence

More Info

15 Years: 
Rate: 3.500%
                   APR: 3.759%

20 Years:  Rate: 3.500%
                   APR: 3.756%

30 Years:  Rate: 3.500%
                   APR: 3.754% *2

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

95% Max Loan to Value (with
Private Mortgage Insurance) 

0 Points

Purchase & Refinance Transactions

Primary Residence

More Info

15 Years: 
Rate: 3.500%
                   APR: 3.629%

20 Years:  Rate: 3.500%
                   APR: 3.625%

30 Years:  Rate: 3.500%
                   APR: 3.623% *2

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

95% Max Loan to Value (with Private Mortgage Insurance)

0 Points

Purchase & Refinance Transactions

Primary Residence

More Info

15 Years: 
Rate: 3.625%
                   APR:  3.702%

20 Years:  Rate: 3.625%
                   APR: 3.685%

30 Years:  Rate: 3.625%
                   APR: 3.668% *2
Land Loans 80% Max Loan to Value
0 Points
More Info
15 Years:  Rate: 8.500%
                   APR: 8.560 *2
Camps and
Seasonal Properties
80% Max Loan to Value
0 Points
15 Year Max on Purchases
More Info
20 Years:  Rate: 7.500%
                   APR: 7.560%
Second Home
Mortgage Loans
80% Max Loan to Value
0 Points
More Info
 15 Years: Rate: 7.500%
                   APR: 7.560%
Share Secured
Share Certificate Secured
Minimum Loan Amount $500.
Rate is 3% above Rate on Share/Share Certificate.
Up to 15 Years: 
3% above rate paid on the
pledged Share/Certificate.
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.
  • 1 Prime Rate minus .50% to Prime Rate plus 0% based on credit score. Adjusted quarterly. Minimum APR of 3.50% 
  • 2 Add .50 to interest rate for first mortgage loans under $50,000.00
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