Rates
subject to change at any time. APY means Annual Percentage
Yield.
DEPOSIT
ACCOUNT RATES
These
rates are current but subject to change at any time.
| CDs* |
APY |
RATE |
COMPOUND
FREQUENCY |
MIN.
OPENING BALANCE |
| 91
days |
|
.55% |
Cannot
Compound |
$1,000.00 |
| 182
days |
.65% |
.65% |
Daily |
$1,000.00 |
| 12
months |
.95% |
.95% |
Daily |
$1,000.00 |
| 15
months |
1.00% |
1.00% |
Daily |
$1,000.00 |
| 18
months |
1.11% |
1.10% |
Daily |
$1,000.00 |
| 30
months |
1.35% |
1.34% |
Daily |
$1,000.00 |
| 48
months |
2.02% |
2.00% |
Daily |
$1,000.00 |
| OTHER
ACCTS.** |
APY |
RATE |
COMPOUND
FREQUENCY |
MIN.
BALANCE TO OBTAIN APY |
| NOW
Checking |
.30% |
.30% |
Daily |
$1,000.00 |
| MMI*** |
.35% |
.35% |
Daily |
$2,500.00 |
| Super
NOW*** |
.35% |
.35% |
Daily |
$2,500.00 |
| Statement
Savings |
.40% |
.40% |
Daily |
$50.00 |
| IRA |
2.79% |
2.75% |
Daily |
$100.00 |
| * |
A
penalty will be imposed for early withdrawal. |
| ** |
The
interest rate and annual percentage yield may
change. Fees or other conditions could reduce the
earnings on these accounts. |
| *** |
If
the balance of these accounts is from $1.00 to
$2,499.99, the rate reverts back to regular NOW
rates. This would mean an Annual Percentage Yield
of .75% with a rate of .75%.
|
|
INSTALLMENT LOAN RATES
These
rates are effective as of 8/11/2010. Our rates are available to
you according to the qualifications of each loan. Some
factors considered are beacon score, credit history, and down
payment amount. These rates are stated as A.P.R. and may
change depending on amount and type of loan.
| Auto/Motorcycle |
Rate |
|
APR |
|
|
| New
(72 month max) |
5.15% |
|
5.33% |
|
|
| New
(66 month max) |
5.15% |
|
5.34% |
|
|
| '09
(66 month max) |
5.35% |
|
5.54% |
|
|
| '08-'07
(60 month max) |
5.60% |
|
5.79% |
|
|
| '06-'05 (48 month max) |
6.25% |
|
6.51% |
|
|
| '04-'02
(42 month max) |
7.50% |
|
7.90% |
|
|
| '01
& older (36 month max) |
9.15% |
|
9.50% |
|
|
| Home
Improvement |
Rate |
APR |
RV's
/ Boats |
New
Rate |
New
APR |
Used
Rate |
Used
APR |
| 36
months |
10.50% |
10.86% |
48
months |
7.50% |
7.76% |
9.25% |
9.55% |
| 48
months |
12.00% |
12.28% |
60
months |
7.75% |
7.97% |
10.50% |
10.86% |
|
|
|
72
months |
8.50% |
8.68% |
-- |
-- |
|
Mobile Homes |
New
Rate |
New
APR
NewN |
Used
Rate |
Used
Rate |
| 60
months |
11.50% |
11.74% |
13.00% |
13.24% |
|
| 84
months |
12.50% |
12.68% |
14.00% |
14.19% |
|
| 120
months |
13.00% |
13.14% |
-- |
-- |
|
| |
|
|
|
|
|
| Personal/Debt
Consolidation |
Preferred
Rate |
Preferred
APR |
|
|
| 36
months |
14.00% |
14.38% |
|
|
| 48
months |
14.50% |
14.80% |
|
|
| 60
months |
15.00% |
15.25% |
|
|
Subject to application and credit
approval. Your rate may be different depending on your
credit score. Percentage rate based on $10,000 financed
including a $50 processing fee. Other rates, terms, payments
and loan amounts are available by contacting any loan officer.
AGRICULTURAL
LOAN RATES Our farm production loans are a variable
rate based on the Wall Street Journal Prime rate. See one of
our loan officers for further details.
MORTGAGE
LOAN RATES
These
rates are effective as of 9/7/2010.
| One
Year ARM(1/1) |
%
LOANED |
RATE |
APR |
PER
ADJUSTMENT |
OVER
LIFE |
TERM |
**FEES
+ APPRAISAL |
| Single
Family Owner-Occupied |
80% |
3.75% |
4.79% |
2% |
6%
Up
1%Down |
30
Years Maximum |
$775.00 |
| Residential
Building Lots |
80% |
6.50% |
6.61% |
|
|
10
Years |
$775.00 |
| Farms |
80% |
5.25% |
6.49% |
|
|
30
Years |
$775.00 |
| Commercial |
80% |
6.50% |
6.67% |
|
|
25
Years |
$775.00 |
|
|
|
|
|
|
|
|
| Five
Year ARM(5/1) |
%
LOANED |
RATE |
APR |
PER
ADJUSTMENT |
OVER
LIFE |
TERM |
**FEES
+ APPRAISAL |
| Single
Family Owner-Occupied |
80% |
4.80% |
4.89% |
2% |
6% Up 1%Down |
30 Years |
$ 775.00 |
| Farm |
80% |
4.80% |
4.89% |
2% |
|
30 Years |
$ 775.00 |
| Commercial |
80% |
6.40% |
6.52% |
2% |
|
25 Years |
$ 775.00 |
| FIXED
RATE TYPE |
%
LOANED |
RATE |
APR |
PER
ADJUSTMENT |
OVER
LIFE |
TERM |
**FEES
+ APPRAISAL |
| Single
Family Owner-Occupied & Farm |
80% |
5.00% |
5.12% |
|
|
10
Years |
$775.00 |
| 80% |
6.00% |
6.09% |
|
|
15
Years |
$775.00 |
| Residential
Building Lots |
80% |
7.00% |
7.22% |
|
|
5
Years |
$775.00 |
| Commercial |
80% |
6.00% |
6.13% |
|
|
10
Years |
$775.00 |
| 80% |
6.50% |
6.59% |
|
|
15
Years |
$775.00 |
| Single Family Owner
Occupied Farm |
80%
80% |
5.25%
5.25% |
5.33%
5.33% |
|
|
Amort. 30 Yrs. Balloon 10
Yrs. |
$775.00 |
| SECOND
MORTGAGES |
%
LOANED |
RATE |
APR |
PER
ADJUSTMENT |
OVER
LIFE |
TERM |
**FEES
+ APPRAISAL |
| Adjustable |
80% |
7.50% |
7.30% |
|
|
5
Years |
$775.00 |
| " |
80% |
8.00% |
7.42% |
|
|
10
Years |
$775.00 |
| Fixed-Rate |
80% |
8.50% |
8.72% |
|
|
5
Years |
$775.00 |
| " |
80% |
8.75% |
8.87% |
|
|
10
Years |
$775.00 |
The
above rates are based on 80% LTV. Add 50 base points for loans
above 80% LTV up to max. 90% LTV. Rates are subject to change at any time.
For
additional information, please contact one of our loan officers.
|
Equal Housing Lender
