First Quarter 2019
Effective 1/1/2019
REAL ESTATE
|
10% Down Payment
|
4.00-5.00%
|
|
5% Down Payment
|
4.50-5.50%
|
|
|
|
|
|
|
|
REAL ESTATE - REFINANCE
|
15% Down Payment
|
4.0-5.00%
|
|
|
|
|
|
|
|
MOBILE HOME
10.00%
HOME IMPROVEMENT/HOME EQUITY
5.00-6.00%
LAND PURCHASE
4.50%
CONSUMER/PERSONAL
9.50%
COMPUTER PURCHASE
6.00%
EDUCATION
7.00%
AUTO LOANS
Over $10,000 Loan
|
Credit Rating
|
Maximum Term
|
Down Payment
|
Interest Rate
|
|
Excellent
|
60 months
|
15.00%
|
6.00%
|
|
Excellent
|
60 months
|
10.00%
|
7.00%
|
|
Average
|
48 months
|
15.00%
|
7.75%
|
|
Average
|
48 months
|
10.00%
|
8.00%
|
|
|
|
|
|
|
|
Below $10,000 Loan
|
Credit Rating
|
Maximum Term
|
Down Payment
|
Interest Rate
|
|
Excellent
|
48 months
|
10.00%
|
7.25%
|
|
Average
|
48 months
|
15.00%
|
7.75%
|
|
Average
|
48 months
|
10.00%
|
8.00%
|
|
Below Average
|
36 months
|
25.00%
|
9.00%
|
|
|
|
|
|
|
|
BUSINESS/COMMERCIAL
Prime + 0-5%
Current Prime Rate
= 5.50%
|
