|
| Product |
Term / Type |
Annual Percentage Rate |
Estimated Monthly Payment Example (computed for a $10,000 loan at current rate and specified term) |
| Chek Loan |
|
15.00% |
$17.33 (on $500) |
Notes -
Total payment after 90 days |
|
|
|
| |
Personal |
8.75% |
$10,215.75 |
| |
Farm |
7.00% |
$10,172.60 |
| |
Business |
7.00% |
$10,172.60 |
| Notes & Installments Under $2,000.00 |
|
17.99% |
$522.18(total payment on $500 for 90 day loan)
$45.85 (monthly payment on $500 for 12 month loan) |
| Installment Loans |
|
|
|
| |
36 months |
9.99% |
$322.62 |
| |
60 months |
10.99% |
$217.38 |
| Automobile - New |
|
|
|
| |
36 months |
5.99% |
$305.84 |
| |
48 months |
6.25% |
$237.29 |
| |
60 months |
6.99% |
$199.06 |
| |
72 months |
8.25% |
$177.53 |
| Automobile - Used 2006, 2007 & 2008 |
|
|
|
| |
36 months |
6.75% |
$309.32 |
| |
48 months |
7.25% |
$241.94 |
| |
60 months |
7.75% |
$202.68 |
| Automobile - Used 2005 |
|
|
|
| |
36 months |
6.99% |
$310.42 |
| |
48 months |
7.50% |
$243.12 |
| |
60 months |
7.99% |
$203.84 |
| Automobile - Used 2004 |
|
|
|
| |
48 months |
8.75% |
$249.03 |
| Automobile Payments Include $55.00 VSI Insurance |
| Farm Loans |
|
|
|
| |
Secured - 60 months |
8.50% |
$206.30 |
| |
Unsecured - 60 months |
9.75% |
$212.41 |
| NBDC Base Rate |
|
6.00% |
|
| Wall Street Journal (WSJ) Prime |
|
5.00% |
|
| Home Equity LOC Contact us for great rates and terms |
|
|
|
| Home Improvement Loans |
|
|
|
| |
120 months |
9.99% |
$132.11 |
| |
84 months |
8.75% |
$159.64 |
| |
36 months |
6.75% |
$307.63 |
| Fees on a $10,000 loan may range from $100-$800 |
Mobile Home Rates
|
| Product |
Type/Term |
Annual Percentage Rate |
Estimated Monthly Payment Example (computed for a $10,000 loan at current rate and specified term) |
| New |
|
|
|
| |
Double-wide/25 years |
10.99% |
$97.98 |
| |
Double-wide/20 years |
10.75% |
$101.55 |
| |
Single-wide/15 years |
10.25% |
$109.02 |
| Used (up to 3 model years old) |
|
|
|
| |
Double-wide/20 years |
11.75% |
$104.96 |
| |
Single-wide/15 years |
11.75% |
$115.26 |
| Used (over 3 model years old) |
|
|
|
| |
Double-wide/Terms depend on amount & age |
12.50% |
$224.99 (60 months) |
| |
Single-wide/Terms depend on amount & age |
12.50% |
$224.99 (60 months) |
Mortgage Loans
|
| Type/Term |
APR |
Interest Rate |
Estimated Monthly Payment Example (computed for a $10,000 loan at current rate and specified term) |
| 1-4 Family & Second Homes & Family Farms |
| Fixed Rates |
|
|
|
| 20 years |
7.25% |
7.25% |
$79.04 |
| 15 years |
6.75% |
6.75% |
$88.49 |
| 10 years |
6.25% |
6.25% |
$112.28 |
| Bi-Weekly Fixed Rates |
|
|
|
| 30 years |
7.25% |
7.25% |
$34.11 (biweekly) |
| 25 years |
6.70% |
6.70% |
$34.39 (biweekly) |
| 15 years |
6.20% |
6.20% |
$42.74 (biweekly) |
| 10 years |
6.15% |
6.15% |
$55.89 (biweekly) |
| Variable Rates** |
|
|
|
| *Minimum annual change: 0.125%. Maximum annual change: 2.00%. Life of loan: 5.00% |
1 year ARM
30 years |
5.25% |
5.25% |
$55.22 |
3 year fixed
1 years ARM
30 years |
5.50% |
5.50% |
$56.78 |
5 year fixed
1 year ARM
30 years |
6.00% |
6.00% |
$59.96 |
| Balloon Period |
|
|
|
| 5 years - 30 years |
6.25% |
6.25% |
$61.57 |
| 10 years - 30 years |
7.10% |
7.10% |
$67.20 |
Mortgage Loans
|
| |
|
|
|
Commercial Properties, 5 Family Residential Rentals, and Non-Family Farms
Call for rates 607-865-7116 |
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