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Personal Lending Rates

Rates as of December 6, 2018

 

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Mortgage Loans

Term Interest Rate Annual Percentage Rate Points
10/1 ARM 4.750% 4.828% 0.00
7/1 ARM 4.500% 4.577% 0.00
5/1 ARM 4.250% 4.326% 0.00
30 Year Fixed 4.750% 4.828% 0.00
20 Year Fixed 4.500% 4.606% 0.00
15 Year Fixed 4.250% 4.384% 0.00

Interest rate and annual percentage rate (APR) listed are as of the date shown and are subject to change without notice. The APR calculation assumes a $100,000 loan for the term shown and borrower paid finance charges and closing fees totaling approximately $906.00.

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. A $100,000 10/1 ARM loan, at an interest rate of 3.75%, could have a monthly payment of $463.12 for 360 months.

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. A $100,000 15 year loan, at a fixed interest rate of 3.25%, could have a monthly payment of $702.67 for 180 months.

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. Property type restrictions and other limitations apply. Contact the Bank for more information.

Jumbo and Non-Conforming Loan Rates

Term Interest Rate Annual Percentage Rate Points
10/1 ARM 4.750% 4.828% 0.00
7/1 ARM 4.500% 4.577% 0.00
5/1 ARM 4.250% 4.326% 0.00

Interest rate and annual percentage rate (APR) listed are as of the date shown and are subject to change without notice. The APR calculation assumes $100,000 loan for 360 months and borrower paid finance charges and closing fees totaling approximately $906.00.  A $100,000, 10/1 ARM loan, at an interest rate of 3.75%, could have a monthly payment of $463.12 for 360 months.  Your monthly payment may vary, and may include homeowner’s insurance and/or property taxes which could increase your monthly payment.  ARM’s contain a variable rate feature which provides that the interest rate and payment and/or terms of the loan can change. All loans are subject to credit approval. Property type restrictions and other limitations apply. Contact the Bank for more information.

Home Equity Line of Credit

Term Interest Rate Annual Percentage Rate Points
5 Year 5.750% 5.964% 0.00

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.

Auto, Truck and Motorcycle

Maximum Term Interest Rate Annual Percentage Rate Down Payment Model Year
72 Months 5.50% 5.89% 10% 2017-2016
60 Months 6.00% 6.46% 10% 2015-2014
48 Months 6.50% 7.07% 10% 2013-2012
36 Months 8.00% 8.75% 10% 2011

Interest rates and annual percentage rates (APR) listed are as of the date shown and are subject to change without notice.  Other restrictions may apply. All loans are subject to credit approval.  Your loan’s interest rate will depend on the specific characteristics of your loan transaction, your credit history, and the value of the vehicle if applicable. The fees, costs, and monthly payments for your loan transaction may vary, and may include insurance, registration fees, and taxes. Down payment may be required. Term limits may apply. For example, a $10,000.00 loan at an interest rate of 6.00% would have a monthly payment of $193.84 for 60 months.

Recreational Vehicles (Boats, Campers, RVs)

Maximum Term Interest Rate Annual Percentage Rate Down Payment Model Year
60 Months 5.50% 5.89% 20% 2017-2016
60 Months 6.00% 6.46% 20% 2015-2014
48 Months 6.50% 7.07% 20% 2013-2012
36 Months 8.00% 8.75% 20% 2011

Interest rates and annual percentage rates (APR) listed are as of the date shown and are subject to change without notice.  Other restrictions may apply. All loans are subject to credit approval.  Your loan’s interest rate will depend on the specific characteristics of your loan transaction, your credit history, and the value of the vehicle if applicable. The fees, costs, and monthly payments for your loan transaction may vary, and may include insurance, registration fees, and taxes. Down payment may be required. Term limits may apply. For example, a $10,000.00 loan at an interest rate of 6.00% would have a monthly payment of $193.84 for 60 months.

Non-titled Recreational Vehicles (ATVs, Snowmobiles, Off-Road Motorcycles)

Maximum Term Interest Rate Annual Percentage Rate Down Payment Model Year
60 Months 6.00% 6.46% 20% 2017-2016
60 Months 6.50% 6.96% 20% 2015-2014
48 Months 7.50% 8.07% 20% 2013-2012
36 Months 10.00% 10.76% 20% 2011

Information displayed is accurate as of the date listed and is subject to change without notice. Other restrictions may apply. The displayed Annual Percentage Rate (APR) for the loan products listed reflects the cost of the loan over its full term, including interest rates, applicable closing costs, and fees, and is expressed as a yearly rate. All loans are subject to credit approval. This is not a loan approval or commitment to lend. These rates are based on a variety of assumptions and conditions which include a consumer credit score which may be higher or lower than your credit score. Your loan’s interest rate will depend on the specific characteristics of your loan transaction, your credit history, and the value of the vehicle. The fees, costs, and monthly payments for your loan transaction may vary, and may include insurance, registration fees, and taxes. Down payment may be required. Term limits may apply.