Loans

Contact us for rates & terms.
See our Forms page to download applications

Loan Options Available:

Commercial Loans

Annual Payments

      Type                                            Terms       
Business - Ag (Sec)                 - 1 Yr Balloon
Business - Ag(UnSec)             - 1 Yr Balloon
Business - Ag (Sec)                 - 3 Yr Balloon
Business - Ag(UnSec)             - 3 Yr Balloon
Business - Ag(Sec)                  - 5 Yr Balloon
Business - Ag(UnSec)             - 5 Yr Balloon

Business – Ag Variable Rate - up to 3 Yrs

Agriculture Loans Secured by Real Estate:

Posted rates may be reduced (.25 BP) for semi-annual payments

      Type                                            Terms       
Farm Loan with Caps (2,6)    - 1 Yr ARM
Farm Loan                                 - 3 Yr Balloon
Farm Loan                                 - 5 Yr Balloon

(Arm may be amoritized for up to 30 Yrs & Adjust to Prime Rate)

Back To Top

Loans Secured by Real Estate – Monthly Payments

      Type                                           Terms       
Owner Occupied (80% LTV):   - 1 Yr ARM
                                                      - 3 Yr ARM
                                                       - 5 Yr ARM
                                                       - 3 Yr Balloon
                                                       - 5 Yr Balloon
Home Equity/Improvement:
Closed-End Secured                 - up to 60 mo

(Loans with LTV’s less than 70% - You may reduce rate by .25 BP)
(Non-Owner Occupied – Add .50 BP)
(ARM’s have rate change caps as follows: 1 Yr 2/6; 3 Yr 2/6; 5 Yr 3/6)
(New Construction Loans - contact us.)

Back To Top

Consumer Loans

Secured by Auto’s

      Type                                         Length       
New                                              - 36 mo
New                                              - 48 mo
New                                              - 60 mo
1 to 2 year old <20,000 miles - 36 mo
1 to 2 year old <20,000 miles - 48 mo
1 to 2 year old <20,000 miles - 60 mo
3 to 5 years old                          - 36 mo
3 to 5 years old                          - 48 mo
(Over 5 years old, personal loan rates apply)

Back To Top

Manufactured Home Loans

      Type                                        Length       
Secured w/out RE                      - up to 60 mo
Secured with RE                        - up to 60 mo

Personal Loans

      Type                                         Terms       
Under $5,000                            - Secured
                                                     - Unsecured
Over $5,000                               - Secured
                                                     - Unsecured

Back To Top

Consumer Loans – Single Pay Notes (not to exceed 12 months)

      Type                                         Terms       
Under $5,000                            - Secured
                                                     - Unsecured
Under $5,000                            - Secured
                                                     - Unsecured

Fees

Real Estate Loan Fees

New & Renewed with additional $250
Refinance or modify with out additional $250
Real Estate late charge $10 or 5% or payment whichever is greater
Partial Release Fee $39

Installment Loans $40

Late Charges $10 or 5% of payment whichever is greater
Minimum interest charge $50

Replace Lost Loan Payment Book ………. $5.00
Loan Payment Extension Fee ………. $10.00

Back To Top

Account Disclosures

Understanding Your Deposit Account
Important Information About Opening A New Account

See our Forms page to download Loan Applications

Back To Top