Current Rates
Contact your nearest Branch Office for additional rate information.
Rates are subject to change at any time.
APR = Annual Percentage Rate
APY = Annual Percentage Yield
Mortgage Rates
Fixed Rate Mortgages (FRMS) Term Rate APR * 30 Year Fixed (with 1.00 Points) 6.00% 6.199% 30 Year Fixed 6.125% 6.229% 20 Year Fixed 5.75% 5.886% 15 Year Fixed 5.50% 5.67% 10 Year Fixed 5.50% 5.742% Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. * This APR is subject to change based on the mortgage plan selected. *APR is based on a loan amount of $60,000.00 ** Maximum Purchase & Limited Cash Out Transactions - 97% LTV. Over 95% LTV is subject to additional conditions. Private Mortgage Insurance(PMI) is required on loans over 80% LTV. ** Maximum Cash-Out Refinance - 80% LTV. ** Maximum loan amount is $726,200.00. * Fixed rate loans are fully amortized and the Principle and Interest payment will remain the same during the life of the loan. * Fixed rate loans are not assumable. First Time Home Buyer (FTHB) Term Rate APR * 30 Year Fixed 7.125% 7.389% Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. * This APR is subject to change based on the mortgage plan selected. *APR is based on a loan amount of $60,000.00* * Minimum loan amount of $30,000.00 maximum of $726,200.00. * Maximum Purchase Transaction - 97% LTV. PMI is not required. * Fixed rate loans are fully amortized and the Principle and Interest payment will remain the same during the life of the loan. * FTHB loans are not assumable. Auto Rates
Auto Loan Model Year Month Term Fixed APR 2022-2024 - NEW Up to 51 mos. 4.99% 2022-2024 - NEW 52 - 63 mos. 5.75% 2022-2024 - NEW 64 - 75 mos. 6.00% 2022-2024 - NEW 76 - 84 mos. 6.50% 2021-2023 - USED Up to 63 mos. 6.00% 2021-2023 - USED 64 - 75 mos. 6.25% 2017-2020 - USED Up to 51 mos 6.00% 2017-2020 - USED 52 - 63 mos, 6.50% 2013-2016 - USED Up to 51 mos. 7.50% Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all.
Please note: Vehicle is considered used, for any model year, if it has 20,000 or more miles.
* APR - Annual Percentage Rate. Annual Percentage Rate based on credit qualifications. Rate subject to change.Home Equity Rates
Home Equity Term Rate APR * Adj. Rate Interest Only HELOC *90% LTV Max 7.50% 7.50% Fixed Rate HELOC *90% LTV Max 7.50% 7.50% *NOTE: Rates are based on individual credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. *The minimum rate on the Adj. Rate Interest Only HELOC is 5.50%. *The maximum rate on the Adj. Rate Interest Only HELOC is 18.00%. *90% LTV if L&N hold the first mortgage. Credit Card Rates
Visa Credit Card Visa Credit Card Variable Rate * Platinum 12.74% - 18.00% Platinum Rewards 15.50% - 18.00% Platinum Secured 18.00%** Platinum Business 15.50% - 18.00% * Rates are variable based on prime rate plus a margin determined by your credit score. Rates will change when prime changes.
** Rates for secured cards are based on prime rate plus a margin of 12.00%.Deposit Rates
Certificates Account Term Minimum Balance APY 6 Month Special 6 Months $1000 4.75% 24 Month Special 24 Months $1000 4.25% 91 Day Money Market 91 Day $25,000 2.00% 6 Months 6 Months $1,000 4.75% 1 Year 1 Year $1,000 2.00% * 1 Year Youth 1 Year $500 2.00% *1 Year Youth Education 1 Year $500 2.00% 1 Year HSA 1 Year $1,000 2.00% Easy Save 1 Year $250 0.25% 18 Month 18 Month $2,500 2.00% 2 Year 2 Years $1,000 4.25% 3 Year 3 Years $1,000 2.75% 4 Year 4 Years $1,000 2.75% 5 Year 5 Years $1,000 3.00% 5 Year IRA (Traditional/Roth) 5 Years $1,000 3.00% *The Youth Certificate is for children 17 and under.
*IRA share certificates have a minimum balance of $1,000.00 and are available in terms 6 months thru 5 years. *IRA Easy Save share certificate at 0.025% APY with a $250.00 minimum can make contributions to share certificate through out the term of the certificate.IRA Rate APY .20% .20% Savings Minimum Balance APY 0 - $9,999 .05% $10,000 - $24,999.99 .05% $25,000 - $49,999.99 .10% $50,000 - $99,999.99 .15% $100,000 & UP .20% Checking Rate APY 0.05% 0.05% Dividend available with Premium and Military Checking Accounts-no minimum balance required. Also available with Gold and Superior Checking Accounts.If balance drops below $2000, then a $10 fee will be incurred. See checking account page for full details on all checking account programs. Money Market Minimum Balance APY $0 - $4,999.99 1.50% $5,000 - $14,999.99 1.50% $15,000 - $24,999.99 1.50% $25,000-$49,999.99 2.00% $50,000-$99,999.99 2.50% $100,000 & UP 3.25% Dividends are earned daily and posted monthly. Premier Money Market Minimum Balance APY $25,000.00 3.25% Dividends are earned daily and posted monthly. The Premier Money Market has a required minimum balance of $25,000 to earn dividends and open account. Health Savings Accounts Account Amount APY HSA Checking $0 $4,999.99 0.02% HSA Checking $5,000 $14,999.99 0.05% HSA Checking $15,000 $24,999.99 0.05% HSA Checking $25,000 $49,999.99 0.07% HSA Checking $50,000 $99,999.99 0.07% HSA Checking $100,000 & UP 0.10% Please call or visit a branch convenient for you to get the tiered Health Savings Rates. Business Services Accounts Account Amount APY Preferred Business Checking $0 $24,999.99 0.05% Preferred Business Checking $25,000 $99,999.99 0.07% Preferred Business Checking $100,000 & UP 0.10% Personal Loan Rates
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