Personal Lending Rates

Rates as of November 28, 2022


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Mortgage Loans

Term Interest Rate Annual Percentage Rate Payment
7/1 ARM (30 Year Amortization*) 6.125% 6.230% $607.61
5/1 ARM (30 Year Amortization*) 6.000% 6.104% $599.95
30 Year Fixed 6.125% 6.230% $607.61
20 Year Fixed 6.000% 6.138% $716.43
15 Year Fixed 5.750% 5.923% $830.41

Rates listed are on a primary residence based on a loan amount of $100,000 for the term shown to purchase a single family home located in Wisconsin, with a loan-to-value of 80%, a credit score of 740, and borrower paid finance charges and closing fees. Annual Percentage Rates (APR) and interest rates may vary based on the terms of the loan selected, loan type, underwriting, credit history, down payment, and debt-to-income ratios. All rates are subject to change without notice.

* An Adjustable Rate Mortgage, or ARM, contains a variable rate feature which provides that the interest rate and payment and/or terms of the loan can change. After the initial fixed period, the amount of the monthly payment may increase. The payment examples are based on a fully indexed rate.

A fixed rate mortgage features an interest rate that will not change during the term of your loan, and the monthly payment will remain consistent for the term of the loan.

Your monthly payment may vary, and may include homeowner’s insurance and/or property taxes which could increase your monthly payment. All loans are subject to credit approval. Contact the Bank for more information.

Home Equity Line of Credit

Term Interest Rate Annual Percentage Rate
5 Year 4.750% 4.750%

Interest rate and annual percentage rate (APR) listed are as of the date shown and are subject to change without notice. This home equity line of credit (“HELOC”) has a variable rate feature and the APR and minimum monthly payment can change as a result. The variable APR is based on The Wall Street Journal Prime Rate (“Prime”) a standard index published daily in The Wall Street Journal, and will vary with Prime. The APR listed assumes a new HELOC of $10,000 in second lien position with a combined loan-to-value ratio of up to 75% on a 1- to-4-unit owner-occupied primary residence, for a borrower with excellent credit. The APR may vary based on the initial withdrawal amount, loan amount, and other factors. Your APR will not exceed 18.00% or go below 5.00% at any time during the term of your account. Prime is subject to change without notice, and may change at any time.  Your minimum monthly payment will not repay the loan and a balloon payment may result. To open and maintain a line of credit, you must pay fees between $482.70 to $725.00, as well as a $35.00 annual fee. You should consult a tax advisor regarding the deductibility of interest and charges. All loans are subject to credit approval, and property and hazard insurance are required. Contact the Bank for more information.

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