Loan Rates
APR's effective July 26, 2010 Subject to change without notice.
|
| Product |
Term / Type |
Annual Percentage Rate |
Estimated Monthly Payment Example (computed for a $10,000 loan at current rate and specified term) |
| Chek Loan |
|
16.00% |
$20.46 (on $500) |
Notes -
Total payment after 90 days |
|
|
|
| |
Secured Personal |
7.00% |
$10,172.60 |
| |
Farm |
5.25% |
$10,129.45 |
| |
Business |
5.25% |
$10,129.45 |
| 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 |
|
|
|
| Secured |
36 months |
8.99% |
$317.98 |
| Secured |
60 months |
9.99% |
$212.46 |
| Automobile - New |
|
|
|
| |
36 months |
5.99% |
$305.88 |
| |
48 months |
6.15% |
$241.31 |
| |
60 months |
6.25% |
$195.51 |
| |
72 months |
7.99% |
$176.23 |
| Automobile - Used 2007, 2008 & 2009 |
|
|
|
| |
36 months |
6.15% |
$307.02 |
| |
48 months |
6.50% |
$238.38 |
| |
60 months |
6.99% |
$198.99 |
| Automobile - Used 2006 |
|
|
|
| |
36 months |
6.50% |
$308.65 |
| |
48 months |
6.65% |
$243.63 |
| |
60 months |
7.25% |
$200.23 |
| Automobile - Used 2005 |
|
|
|
| |
48 months |
7.25% |
$241.98 |
| Automobile Payments Include $55.00 VSI Insurance |
| Farm Loans |
|
|
|
| |
Secured - 60 months |
7.00% |
$197.95 |
| |
Unsecured - 60 months |
8.50% |
$205.12 |
| NBDC Base Rate |
|
4.25% |
|
| Wall Street Journal (WSJ) Prime |
|
3.25% |
|
| Home Equity LOC Contact us for great rates and terms |
|
|
|
| Secured Home Improvement Loans |
|
|
|
| |
120 months |
9.99% |
$132.11 |
| |
84 months |
8.75% |
$159.67 |
| |
36 months |
6.75% |
$309.32 |
| 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 |
9.99% |
$90.82 |
| |
Double-wide/20 years |
9.75% |
$94.87 |
| |
Single-wide/15 years |
9.25% |
$102.93 |
| Used (up to 3 model years old) |
|
|
|
| |
Double-wide/20 years |
10.99% |
$103.13 |
| |
Single-wide/15 years |
10.99% |
$113.57 |
| Used (over 3 model years old) |
|
|
|
| |
Double-wide/Terms depend on amount & age |
11.99% |
$222.36 (60 months) |
| |
Single-wide/Terms depend on amount & age |
11.99% |
$222.36 (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 |
6.60% |
6.60% |
$75.15 |
| 15 years |
6.25% |
6.25% |
$85.74 |
| 10 years |
5.99% |
5.99% |
$110.97 |
| Bi-Weekly Fixed Rates |
|
|
|
| 30 years |
6.75% |
6.75% |
$32.43 (biweekly) |
| 25 years |
6.60% |
6.60% |
$34.07 (biweekly) |
| 15 years |
5.99% |
5.99% |
$42.17 (biweekly) |
| 10 years |
5.75% |
5.75% |
$54.88 (biweekly) |
| Variable Rates** |
|
|
|
| *Minimum annual change: 0.125%. Maximum annual change: 2.00%. Life of loan: 5.00% |
1 year ARM
30 years |
4.25% |
4.25% |
$49.19 |
3 year fixed
1 years ARM
30 years |
5.25% |
5.25% |
$55.22 |
5 year fixed
1 year ARM
30 years |
6.10% |
6.10% |
$60.60 |
| Balloon Period |
|
|
|
| 10 years - 30 years |
6.25% |
6.25% |
$61.57 |
| Mortgage Loans |
| |
|
|
|
Commercial Properties, 5 Family Residential Rentals, and Non-Family Farms
Call for rates 607-865-7116 |
