Current Rates

  • Mortgage Rates

    Adjustable Rate Mortgages (ARMS)
      Term   Rate   APR *
      15/15 ARM (with 1.50 Points)   4.125%   4.419%
      15/15 ARM   4.50%   4.594%
      5/5 ARM   4.125%   4.217%
      Construction to Perm 5/5 ARM   4.125%   4.493%
      Construction to Perm 15/15 ARM   4.50%   4.894%
            
            
            
    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 $20,000.00 for the 5/5 ARM and 15/15 ARM, maximum of $647,200.00. ** Minimum loan term is 10 years, maximum loan term is 30 years * 5/5 Year ARM has a 2.00% cap every 5 years, with a 6% lifetime cap. * 15/15 Year ARM has a 6.00% cap every 15 years, with a 6% lifetime cap. * Adjustable Rate Loans are assumable under certain conditions. *The 5/5 year ARMs are based on the 30-day Average SOFR index. The 15/15 ARM is based on the 10 year Treasury bill.
    Fixed Rate Mortgages (FRMS)
      Term   Rate   APR *
      30 Year Fixed (with 0.50 Points)   5.00%   5.142%
      30 Year Fixed   5.125%   5.223%
      20 Year Fixed   4.875%   5.007%
      15 Year Fixed   4.625%   4.791%
      10 Year Fixed   4.625%   4.864%
            
    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 $647,200.00. * 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   6.125%   6.373%
    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 $647,200.00. * Maximum Purchase Transaction - 97% LTV. PMI is not required. 10, 15 & 20 Year terms are available. * 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
            
      2021-2023 - NEW   Up to 51 mos.   2.99%
      2021-2023 - NEW   52 - 63 mos.   3.24%
      2021-2023 - NEW   64 - 75 mos.   3.74%
      2021-2023 - NEW   76 - 84 mos.   4.99%
      2020-2022 - USED   Up to 63 mos.   3.25%
      2020-2022 - USED   64 - 75 mos.   3.75%
      2016-2019 - USED   Up to 51 mos   3.50%
      2016-2019 - USED   52 - 63 mos,   4.00%
      2012-2015 - USED   Up to 51 mos.   5.50%
            
            
            
    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   4.00%   4.00%
      Fixed Rate HELOC      
      *90% LTV Max   5.50%   5.50%
            
            
            
            
            
            
            
            
    *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 3.50%. *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   9.99% - 18.00%
      Platinum Rewards   12.75% - 18.00%
      Platinum Secured   16.75%**
      Platinum Business   12.75% - 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
      91 Day Money Market   91 Day   $25,000   0.55%
      6 Months   6 Months   $2,500   0.55%
      1 Year   1 Year   $1,000   0.55%
      * 1 Year Youth   1 Year   $500   0.55%
      *1 Year Youth Education   1 Year   $500   0.55%
      1 Year HSA   1 Year   $1,000   0.55%
      Easy Save   1 Year   $250   0.25%
      18 Month   18 Month   $2,500   0.65%
      2 Year   2 Years   $1,000   0.75%
      3 Year   3 Years   $1,000   0.85%
      4 Year   4 Years   $1,000   1.00%
      5 Year   5 Years   $1,000   1.20%
      5 Year IRA (Traditional/Roth)   5 Years   $1,000   1.20%
    *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   0.20%
      $5,000 - $14,999.99   0.20%
      $15,000 - $24,999.99   0.20%
      $25,000-$49,999.99   0.35%
      $50,000-$99,999.99   0.45%
      $100,000 & UP   0.65%
    Dividends are earned daily and posted monthly. There is no minimum balance requirement.
    Premier Money Market
      Minimum Balance   APY
      $25,000.00   0.65%
    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

    Signature Loan
      Term   Fixed APR
      12 Month   9.99% - 18.00%
      24 Month   9.99% - 18.00%
      36 Month   9.99% - 18.00%
      48 Month   9.99% - 18.00%
      60 Month   9.99% - 18.00%
    * APR - Annual Percentage Rate. Annual Percentage Rate based on credit qualifications. Rate subject to change.

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