Auto & Motorcycles
| Model Year | Term | APR | Pmt/$1000† |
| 2013-2012 (<10,000 miles) | up to 36 | 2.90% | $30.24
|
| | 48 | 2.90% | $23.30 |
| | 63 | 2.90% | $18.36 |
| | 66 | 2.90% | $17.64 |
| | 75 | 2.90% | $15.83 |
| ($28K Min. MSRP) | 84 | 4.90% | $15.39 |
| 2012 (>10,000 miles) | 63 | 2.90% | $18.36 |
| | 66 | 2.90% | $17.64 |
| | 75 | 2.90% | $15.83 |
| 2011 | 63 | 2.90% | $18.36 |
| | 66 | 2.90% | $17.64 |
| | 75 | 2.90% | $15.83 |
| 2010 | 60 | 2.90% | $19.15 |
| | 66 | 2.90% | $17.64 |
| 2009 | 60 | 2.90% | $19.15 |
| 2008 | 54 | 2.90% | $20.99 |
| 2007 | 48 | 2.90% | $23.30 |
| 2006 & Older | 48 | 2.90% | $23.30 |
Rates are based on credit scores. Excludes Landmark refinances. Up to 5% downpayment may be required.
Home Equity Loans**
| Term | APR | Pmt/$1,000† |
| Up to 60 months | 3.90% | $19.39 |
| 84 | 4.25% | $14.69 |
| 120 | 4.50% | $11.28 |
| 180 | 5.25% | $8.05 |
| 240 | 6.90% | $7.70 |
| Home Equity Line of Credit (HELOC) | 2.75%* | Locked 'til 1-1-2014 |
| Thereafter, rate as low as | 3.99% | |
Closing costs of $115 to $660 are waived for all owner-occupied Home Equity Loans with a balance or Line-of-Credit of $10,000 or more. Excludes Landmark refinances. Homeowner insurance required.
* 2.75% APR available on owner-occupied homes with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Rate locked until 1-1-2014, then set a Prime (recently 3.25%) or 3.99% APR, whichever is higher. Rate is subject to change on 1-1-2014 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, then the payment would be $1.75 per $100 of the loan balance. Maximum rate 20%. Minimum credit line is $5,000. Early termination fee applies.
** 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 1/4% higher. Monthly payments on a 5-year, 80% LTV loan at 3.9% APR would be $19.30 per $1,000 borrowed. Minimum loan amounts may apply.
Other Loans - Mobile Home, Boats, RVs & Classic Cars
| Term | APR | Pmt/$1,000† |
| Up to 48 months | 5.90% | $24.70 |
| 60 | 5.90% | $20.57 |
| 72 | 5.90% | $17.84 |
| 84 | 5.90% | $15.89 |
| 120 | 6.90% | $13.00 |
| 180 | 8.50% | $9.85 |
Fixed term Mobile Home loans may be amortized up to 15 years.
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.
Mortgage Loans - Fixed Rate
| Term | Rate | APR | Points | Pmt‡ |
| 30-Year | 3.375% | 3.505% | 1.50% | $4.42 |
| 30-Year | 3.625% | 3.655% | 0.00% | $4.56 |
| 20-Year | 3.500% | 3.542% | 0.00% | $5.80 |
| 15-Year | 2.750% | 2.791% | 0.00% | $6.79 |
| 10-Year | 2.625% | 2.701% | 0.00% | $9.48 |
$895 flat closing fee. Down payment as low as 3%. Income and home value limits apply. A non-refundable application fee of $495 is required. Flat closing fee waived for qualified first time home buyers.
Published rate may be adjusted based on credit score, down payment, debt ratio, and employment income.
Mortgage Loans - FHA
| Term | Rate | APR | Points | Pmt‡ |
| FHA Fixed | 4.625% | 5.065% | 0.00% | $5.14 |
Down payment of at least 3.5% required.
Mortgage Loans - Low Down Payment/Cash Out ARM
| Term | Rate | APR | Points | Pmt‡ |
| 5-Year ARM - 97% Purchase | 2.900% | 2.941% | 0.00% | $4.16 |
| 5-Year ARM 95% Cash Out Refi | 3.400% | 3.655% | 0.00% | $4.43 |
First-Time Home Buyers Program available on 97% Purchase 5-year ARM. ARMs are based on 1-year T-bill plus 2.75% margin - caps 2% and 6%. No conversion option.
Mortgage Loans - Adjustable Rate (ARM)
| Term | Rate | APR | Points | Pmt‡ |
| 1-Year ARM | 1.900% | 2.813% | 0.00% | $3.66 |
| 3-Year ARM | 2.750% | 2.911% | 0.00% | $4.08 |
| 5-Year ARM | 2.900% | 2.941% | 0.00% | $4.16 |
| 7-Year ARM | 3.950% | 3.399% | 0.00% | $4.75 |
ARMs require 5% down payment required. Adjustment could occur after initial term. Adjustment is based on 1-year T-bill plus margin of 2.75%. Caps 2% and 6%. No conversion option. Purchase available for First-Time Buyer Program where we waive all closing costs.
Construction Loans
| Term | Rate | APR | Points | Pmt‡ |
| 1-Year ARM | 1.900% | 2.957% | 0.00% | $3.72 |
| 3-Year ARM | 2.750% | 2.919% | 0.00% | $4.15 |
| 5-Year ARM | 2.900% | 2.945% | 0.00% | $4.23 |
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 T-bill plus margin of 2.75%. Caps 2% and 6%. No conversion option.
Lot Loans
| Term | Rate | APR | Points | Pmt‡ |
| 1-Year ARM | 3.500% | 3.206% | 0.00% | $4.49 |
| 3-Year ARM | 3.750% | 3.314% | 0.00% | $4.63 |
20% down payment required. More than 10 acres must be zoned residential.
† 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= $705.00 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.