Auto & Motorcycles


Model Year Term APR Pmt/$1000
2015-2013 (<10,000 miles) up to 36 2.49% $30.05
48 2.99% $23.34
63 2.99% $18.40
66 3.10% $17.73
75 3.10% $15.92
($28K Min. MSRP) 84 5.10% $15.48
2013  (>10,000 miles) or 2012 36 2.59% $30.10

63 2.99% $18.40
66 3.10% $17.73
  75 3.10% $15.92
2011 36 2.59% $30.10
  60 2.99% $19.19
66 3.10% $17.73
2010 36 2.59% $30.10
  60 2.99%  $19.19 
2009 36 2.65% $30.13
  54 3.15% $21.11
2008 36 2.69% $30.14
  48 3.20% $23.44
2007 & Older 36 2.69% $30.14
  48 3.20% $23.44

Rates are based on credit scores. Excludes Landmark refinances. Up to 5% down payment may be required.


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Powersports


Term
MSRP APR Pmt/$1,000
Up to 60 months
 ( ≥ $10,000)  4.40% $19.85
72  ( ≥ $10,000) 
4.40% $17.10


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Boats


Term
MSRP APR Pmt/$1,000
Up to 48 months
  5.25% $24.39
60
 ( ≥ $10,000)  5.50% $20.37
84  ( ≥ $10,000) 
5.75% $15.81
120  ( ≥ $20,000) 
6.25% $12.64
180  ( ≥ $20,000) 
7.25% $9.13


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Other Loans - Mobile Home & RVs


Term MSRP APR Pmt/$1,000
Up to 84 months
 ( ≥ $10,000) 
5.90%
$15.89
120
 ( ≥ $20,000) 
6.90%
$13.00
180
 ( ≥ $20,000) 
8.50%
$9.85

Fixed term Mobile Home loans may be amortized up to 15 years. 


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Personal Loans - Unsecured


Term APR Pmt/$1,000
Up to 48 months 12.90% $28.12
Kwik-Cash Line of Credit 16.00% $30.00

Personal loans $5,000 or less are at a maximum of 36 months.


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Home Equity Loans**


Term APR Pmt/$1,000
Up to 60 months 2.90% $19.15
84 3.90% $14.90
120 4.25% $11.58
180 4.95% $8.25
240 6.90% $7.70
Home Equity Line of Credit (HELOC) 1.99%* Locked until 1-1-16
Regular rate 3.99%

Homeowner's insurance required. Rates and terms subject to change. Appraisal cost of $350 required at time of application. Appraisal cost is refunded, and additional closing costs of $325 are waived at closing, for all new closed, not listed for sale, owner-occupied Home Equity Loans or Lines of Credit with a balance/limit of $10,000 to $100,000.

* 1.99% APR available on owner-occupied homes with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Rate is variable. Rate locked until 1-1-16, then set at Prime (recently 3.25%) or 3.99% APR, whichever is higher. Rate is subject to change on 1-1-16, and thereafter on the first business day following any change in the Prime Rate as published in the Wall Street Journal. Interest-only payments are available for the first 10 years, outstanding balance will then amortize based on the variable rate to be repaid in monthly payments over 180 months. Maximum rate 20%. Minimum credit line is $5,000. Early termination fee applies. Existing Landmark HELOCs may be modified for a $350 fee.

** Fixed rates apply to owner-occupied homes with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Loan rates without Auto Pay are ¼% higher. Monthly payments of a 5-year, 80% LTV loan at 2.9% APR would be $19.15 per $1,000 borrowed. Minimum loan amounts may apply. Excludes Landmark refinances.

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Mortgage Loans - Fixed Rate


Term Rate APR Points Pmt
30-Year 3.625% 3.801% 1.50% $4.56
30-Year 3.875% 3.929% 0.00% $4.70
30-Year - No Cost 4.125% 4.176% 0.00% $4.85
20-Year 3.750% 3.825% 0.00% $5.93
20-Year - No Cost  4.000% 4.071% 0.00% $6.06
15-Year 2.990% 3.087% 0.00% $6.91
15-Year - No Cost  3.250% 3.332% 0.00%  $7.03
10-Year 2.875% 2.999% 0.00% $9.60
10-Year - No Cost  3.125% 3.242% 0.00% $9.71

$895 flat closing fee. Down payment as low as 5%. Income and home value limits apply. A non-refundable application fee of $495 for single-family and $600 for two-family owner-occupied homes is required. Published rate may be adjusted based on credit score, down payment, debt ratio and employment income.

No Cost program available only for single-family owner-occupied homes. Application fee is refunded at closing.


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Mortgage Loans - FHA


Term Rate APR Points Pmt
FHA Fixed 4.750% 5.190% 0.00% $5.22

Down payment of at least 3.5% required.


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Mortgage Loans - Low Down Payment/Cash Out ARM


Term Rate APR Points Pmt
5-Year ARM - 97% Purchase 2.625% 3.131% 0.00% $4.01
5-Year ARM - 95% Cash Out Refi 2.625% 3.131% 0.00% $4.01

First-Time Home Buying available on 97% Purchase 5-year ARM. Adjustment could occur after initial term.  Adjustment is based on 1-year LIBOR plus margin of 2.75%.  Caps 2% and 6%.  No conversion option.


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Mortgage Loans - Adjustable Rate (ARM)


Term Rate APR Points Pmt
1-Year ARM 1.900% 3.162% 0.00% $3.66
3-Year ARM 2.875% 3.276% 0.00% $4.15
5-Year ARM 2.625% 3.131% 0.00% $4.01
7-Year ARM 2.990% 3.220% 0.00% $4.21

ARMs require 5% down payment. Adjustment could occur after initial term. Adjustment is based on 1-year LIBOR plus margin of 2.75%.  Caps on 1, 3, and 5-year 2% and 6%.  Caps on 7-year 5% initial, and 2% and 5% therafter.  No conversion option.  No conversion option. Published rate may be adjusted based on credit score, down payment, debt ratio, and employment income.

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Construction Loans


Term Rate APR Points Pmt
1-Year ARM 1.900% 2.992% 0.00% $3.72
3-Year ARM 2.875% 3.207% 0.00% $4.15
5-Year ARM 2.625% 3.131% 0.00% $4.01

5% down payment required.
Construction 9 months interest only - 351 month amortization after interest only. Adjustment could occur after initial term. Adjustment is based on 1-year LIBOR plus margin of 2.75%. Caps 2% and 6%. No conversion option. Published rate may be adjusted based on credit score, down payment, debt ratio, and employment income.


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Lot Loans


Term Rate APR Points Pmt
1-Year ARM 3.500% 3.495% 0.00% $4.49
3-Year ARM 3.750% 3.603% 0.00% $4.63

20% down payment required. More than 10 acres must be zoned residential. Published rate may be adjusted based on credit score, down payment, debt ratio, and employment income.


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Payments on loans with terms up to 120 months include single Credit Protection coverage. Joint Credit Protection coverages are also available for loans with terms up to 120 months.

To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, a 30 year 3.875% loan for $150,000 would be : 150 X $4.70= $705 per month. All rates and terms are subject to change without notice. Actual payments will be higher with taxes and insurance.

Consumer loan rates based upon qualified credit. Other terms and rates are available; some restrictions may apply. Loans and rates are subject to credit approval. Rates and terms are subject to change.