Rates
Auto & Motorcycle Loans
| Year | Term | Rate | Rate with Maximum Discount* |
|---|---|---|---|
| 2023 – 2025 | 36 Months | 8.25% | 4.50% |
| 2023 – 2025 | 60 Months | 8.75% | 5.00% |
| 2023 – 2025 | 72 Months | 9.00% | 5.25% |
| 2023 – 2025 | 84 Months | 10.00% | 6.25% |
| 2022 & Older | 36 Months | 9.00% | 5.25% |
| 2022 & Older | 48 Months | 9.25% | 5.50% |
| 2022 & Older | 60 Months | 9.50% | 5.75% |
| 2022 & Older | 72 Months | 10.25% | 6.50% |
*Rate discounts on the above are based on the following credit scores: 780 or greater – 3.50%, 700 to 779 – 3.00%, and 650 to 699 – 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Home Loans
| Loan Type | Residence Type | Rate* |
|---|---|---|
| Variable - 5 Year Adjustable | Primary | Contact Us |
| Variable - 10 Year Adjustable | Primary | Contact Us |
| Variable - 5 Year Adjustable | Secondary | Contact Us |
| Variable - 10 Year Adjustable | Secondary | Contact Us |
| Home Equity | Primary | 8.00% |
| Home Equity | Secondary | 9.00% |
| Land - 5 Year Adjustable | 7.00% | |
| Land - 10 Year Adjustable | 7.50% | |
| Construction | 8.00% | |
| Fixed Rate Mortgage | Contact Us |
*Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Personal Loans
| Loan Type | Term | Rate | Rate with Maximum Discount* |
|---|---|---|---|
| Platinum Visa (with credit score 650 or >) | Revolving | 8.00% | 7.75% |
| Platinum Visa (with credit score of less than 650) | Revolving | 12.50% | 12.25% |
| Line of Credit | 24 Months | 14.50% | 14.25% |
| Overdraft | 24 Months | 14.50% | 14.25% |
| Personal | 60 Months | 13.00% | 12.75% |
| Platinum Personal | 60 Months | 9.00% | 8.75% |
| Student | 60-120 Months | 6.00% | 5.75% |
| Home Improvement | 60 Months | 7.00% | 6.75% |
| Short-term Personal (with credit score 650 or >) | 18 Months | 6.00% | 5.75% |
| Short-term Personal (with credit score of less than 650) | 18 Months | 11.00% | 10.75% |
* Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Livestock Loans
| Year | Term | Rate | Rate with Maximum Discount* |
|---|---|---|---|
| 2023-2025 | 48 Months | 9.75% | 6.00% |
| 2023-2025 | 60 Months | 10.25% | 6.50% |
| 2022 & Older | 36 Months | 10.75% | 7.00% |
| 2022 & Older | 48 Months | 11.00% | 7.25% |
| 2022 & Older | 60 Months | 11.25% | 7.50% |
Other Titled Collateral Loans
| Year | Term | Rate | Rate with Maximum Discount* |
|---|---|---|---|
| 2023-2025 | 48 Months | 9.75% | 6.00% |
| 2023-2025 | 60 Months | 10.25% | 6.50% |
| 2022 & Older | 36 Months | 10.75% | 7.00% |
| 2022 & Older | 48 Months | 11.00% | 7.25% |
| 2022 & Older | 60 Months | 11.25% | 7.50% |
*Rate discounts on the above are based on the following credit scores: 780 or greater – 3.50%, 700 to 779 – 3.00%, and 650 to 699 – 2.00%. Balloon note option available for amortization up to 15 years. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).