Rates

Rates effective as of 12/31/13.

APY = Annual Percentage Yield.

Fees may reduce earnings.

Consumer Loans

ProductTermAnnual Percentage RateEstimated Monthly Payment(computed for a $10,000 loan at current rate and specified term)
Check Loan16.00%$20.68 (on $500)
Notes
Secured90 days in full7.00%$10,172.60
$2,000 or less90 days in full17.99%$522.18 (on $500)
Installment Loans
$2,000 or less12 months17.99%$45.85 monthly on $500
Secured over $2,00036 months6.99%$308.64
60 months7.99%$202.67
Automobile Loans
New24 months1.99%$425.35
36 months1.99%$286.38
48 months1.99%$216.91
60 months2.99%$179.65
72 months3.99%$156.42
Used - 2010, 2011, and 201236 months2.99%$290.76
48 months2.99%$221.30
60 months3.99%$184.13
Used - 200936 months3.50%$293.02
48 months3.75%$224.68
60 months4.00%$184.17
Used - 200848 months5.00%$230.30
Mobile Home Loans
New
Double Wide25 years9.99%$90.82
20 years9.75%$94.87
Single Wide15 years9.25%$102.93
Used - 2009, 2010, and 2011
Double Wide20 years10.99%$103.13
Single Wide15 years10.99%$113.57
Used - 2008 and older
Double WideTerm depends on age and amount11.99%$332.16 (36 months)
Single WideTerm depends on age and amount11.99%$332.16 (36 months)

Mortgage Loans

ProductTermAnnual Percentage RateEstimated Monthly Payment (computed for a $10,000 loan at current rate and specified term)
Home Equity Line of Credit Contact Us for great rates and terms.
Home Improvement Loans - Secured10 years5.25%$107.30
5 years3.75%$183.04
*Home Improvement Loans - Unsecured120 months10.50%$134.94
60 months8.50%$205.16
* Maximum financed $10,000.00 with proof of project and payment to vendor.
ProductTermAnnual Percentage RateEstimated Monthly Payment (computed for a $10,000 loan at current rate and specified term)
Conventional Mortgage
Fixed Monthly20 years4.75%$64.62
15 years4.25%$75.23
10 years3.50%$98.89
Fixed Bi-weekly30 years6.00%$29.98 bi-weekly
25 years5.00%$29.23 bi-weekly
20 years4.75%$32.31 bi-weekly
15 years4.25%$37.61 bi-weekly
10 years3.25%$48.86 bi-weekly
Variable-Monthly
Minimum annual change: 0.125%. Maximum annual change: 2.00%. Maximum change life of loan: 5.00%
1 Year ARM30 years3.25%$43.52
3 Years Fixed/ 1 Year ARM30 years3.75%$46.31
5 Years Fixed/ 1 Year ARM30 years4.75%$52.16
15 Years Fixed/ 1 Year ARM30 years4.00%$47.75
** Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.

Raw Land

ProductTermAnnual Percentage RateEstimated Monthly Payment (computed for a $50,000 loan at current rate and specified term)
Fixed Monthly15 years8.50%$492.37
10 years7.50%$593.51
Fixed Bi-weekly15 years8.50%$246.19 bi-weekly
10 years7.50%$296.76 bi-weekly

Commercial Loans

ProductTermAnnual Percentage RateEstimated Monthly Payment (computed for a $10,000 loan at current rate and specified term)
Notes
Farm Secured90 days in Full5.25%$10,129.45
Commercial Secured90 days in Full5.25%$10,130.45
$2,000 or less90 days in Full17.99%$522.18 (on $500)
Term Loans
Farm - Secured60 months7.00%$197.95
Farm - Unsecured60 months8.50%$205.12
Mortgages
Non-Owner Occupied Rentals,

Commercial Properties & Non-Family Farms

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