Rates
Rates effective as of 02/01/13.
Consumer Loans
| Product | Term | Annual Percentage Rate | Estimated Monthly Payment(computed for a $10,000 loan at current rate and specified term) |
|---|
| Check Loan | | 16.00% | $20.68 (on $500) |
| Notes | | | |
|---|
| Secured | 90 days in full | 7.00% | $10,172.60 |
| $2,000 or less | 90 days in full | 17.99% | $522.18 (on $500) |
| Installment Loans | | | |
|---|
| $2,000 or less | 12 months | 17.99% | $45.85 monthly on $500 |
| Secured over $2,000 | 36 months | 6.99% | $308.64 |
| 60 months | 7.99% | $202.67 |
| Automobile Loans | | | |
|---|
| New | 24 months | 1.99% | $425.35 |
| 36 months | 1.99% | $286.38 |
| 48 months | 1.99% | $216.91 |
| 60 months | 2.99% | $179.65 |
| 72 months | 3.99% | $156.42 |
| Used - 2010, 2011, and 2012 | 36 months | 2.99% | $290.76 |
| 48 months | 2.99% | $221.30 |
| 60 months | 3.99% | $184.13 |
| Used - 2009 | 36 months | 3.50% | $293.02 |
| 48 months | 3.75% | $224.68 |
| 60 months | 4.00% | $184.17 |
| Used - 2008 | 48 months | 5.00% | $230.30 |
| Mobile Home Loans | | | |
|---|
| New | | | |
| Double Wide | 25 years | 9.99% | $90.82 |
| 20 years | 9.75% | $94.87 |
| Single Wide | 15 years | 9.25% | $102.93 |
| Used - 2009, 2010, and 2011 | | | |
| Double Wide | 20 years | 10.99% | $103.13 |
| Single Wide | 15 years | 10.99% | $113.57 |
| Used - 2008 and older | | | |
| Double Wide | Term depends on age and amount | 11.99% | $332.16 (36 months) |
| Single Wide | Term depends on age and amount | 11.99% | $332.16 (36 months) |
Mortgage Loans
| Product | Term | Annual Percentage Rate | Estimated 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 - Secured | 10 years | 4.75% | $104.85 |
| 5 years | 3.25% | $180.80 |
| *Home Improvement Loans - Unsecured | 120 months | 10.50% | $134.94 |
| 60 months | 8.50% | $205.16 |
* Maximum financed $10,000.00 with proof of project and payment to vendor.
| Product | Term | Annual Percentage Rate | Estimated Monthly Payment
(computed for a $10,000 loan at current rate and specified term) |
|---|
| Conventional Mortgage | | | |
|---|
|
Fixed Monthly | 20 years | 4.25% | $61.93 |
| 15 years | 3.75% | $72.72 |
| 10 years | 3.75% | $100.07 |
| Fixed Bi-weekly | 30 years | 5.50% | $28.39 bi-weekly |
| 25 years | 4.50% | $27.79 bi-weekly |
| 15 years | 3.75% | $36.36 bi-weekly |
| 10 years | 3.75% | $50.03 bi-weekly |
| Variable-Monthly | | | |
|---|
| Minimum annual change: 0.125%. Maximum annual change: 2.00%. Maximum change life of loan: 5.00% | |
| 1 Year ARM | 30 years | 2.75% | $40.83 |
| 3 Years Fixed/ 1 Year ARM | 30 years | 3.25% | $43.53 |
| 5 Years Fixed/ 1 Year ARM | 30 years | 4.25% | $49.20 |
Raw Land
| Product | Term | Annual Percentage Rate | Estimated Monthly Payment
(computed for a $50,000 loan at current rate and specified term) |
|---|
| Fixed Monthly | 15 years | 5.25% | $401.94 |
| 10 years | 4.95% | $529.11 |
| Fixed Bi-weekly | 15 years | 5.25% | $200.97 bi-weekly |
| 10 years | 4.95% | $264.55 bi-weekly |
Commercial Loans
| Product | Term | Annual Percentage Rate | Estimated Monthly Payment (computed for a $10,000 loan at current rate and specified term) |
|---|
| Notes | | | |
|---|
| Farm Secured | 90 days in Full | 5.25% | $10,129.45 |
| Commercial Secured | 90 days in Full | 5.25% | $10,130.45 |
| $2,000 or less | 90 days in Full | 17.99% | $522.18 (on $500) |
| Term Loans | | | |
|---|
| Farm - Secured | 60 months | 7.00% | $197.95 |
| Farm - Unsecured | 60 months | 8.50% | $205.12 |
| Mortgages | | | |
|---|
| Non-Owner Occupied Rentals, Commercial Properties & Non-Family Farms | Contact us for great rates and terms |
