Mortgage Rates
If you’re looking to buy a new home or refinance your current home, please give us a call for rates at 217.872.4103.
Rates
For You Number Lovers
It's time to do the math. Use the rates and payment calculators to see how much you want to borrow. Loan rates effective November 12, 2020 and are subject to change.
Car Loan Rates
Annual percentage rates effective November 12, 2020. Rates are subject to change any time so, these rates aren't guaranteed.
| Vehicles* | Months | ||||
|---|---|---|---|---|---|
| Year | 24-36 | 48 | 60 | 72 | 84 |
| 2021 | 2.59% | 2.59% | 2.74% | 3.09% | 4.30% |
| 2020 | 2.64% | 2.64% | 2.79% | 3.14% | 4.35% |
| 2019 | 2.74% | 2.74% | 2.89% | 3.24% | 4.45% |
| 2018 | 2.89% | 2.89% | 3.04% | 3.39% | |
| 2017 | 2.89% | 2.89% | 3.04% | 3.39% | |
| 2016 | 3.24% | 3.24% | 3.39% | 3.69% | |
| 2015 | 3.24% | 3.24% | 3.39% | 3.69% | |
| 2014 | 4.04% | 4.04% | 4.39% | ||
| 2013 & Older | 6.54% | 6.89% |
* These are our lowest rates available. Your actual rate will reflect your individual circumstances and may be higher. Terms and Conditions may apply. Contact our Loan Department to find out your loan rate.
Home Equity Rates
Annual percentage rates effective November 12, 2020. Rates are subject to change any time so, these rates aren't guaranteed.
| Loan to Value | Term | ||||
|---|---|---|---|---|---|
| 5 Year | 7 Year | 10 Year | 15 Year | 20 Year | |
| For a loan up to 80% of your home's value | 2.89% APR | 2.89% APR | 2.89% APR | 2.89% APR | 2.99% APR |
| For a loan up to 100% of your home's value | 3.99% APR | 3.99% APR | 3.99% APR | 3.99% APR | 4.10% APR |
Rate is based on a $100,000 loan. Actual term and rate are subject to credit approval and will vary based on individual circumstances. With taxes and insurance the actual payment may be higher. Rates are for new money only. For refinancing an existing home equity loan, give us a call for rates. Payment Example: At 2.96% Annual Percentage Rate on a $100,000 loan with a 15 year term, monthly payment would be $688.66.
Home Equity Line of Credit
Annual percentage rates effective November 12, 2020. Rates are subject to change any time so, these rates aren't guaranteed.
| Monthly Variable | Rate |
|---|---|
| For a loan up to 80% of a monthly variable | 3.50% |
| For a loan up to 100% of a monthly variable | 5.50% |
* These are our lowest rates available. Your actual rate will reflect your individual circumstances and may be higher. Contact our Loan Department to find out your loan rate.
Personal Loan Rates
Annual percentage rates effective November 12, 2020. Rates are subject to change any time so, these rates aren't guaranteed.
| Length of the Loan | Annual Percentage Rate* |
|---|---|
| 12-24 Months | 7.90% |
| 36 Months | 8.90% |
| 48 Months | 9.90% |
| 60 Months | 10.90% |
* These are our lowest rates available. Your actual rate will reflect your individual circumstances and may be higher. Contact our Loan Department to find out your loan rate.
Student Loan Rates
Annual percentage rates effective November 12, 2020. Rates are subject to change any time so, these rates aren't guaranteed.
| Length of the Loan | Annual Percentage Rate* |
|---|---|
| Variable | 8.00% |
* These are our lowest rates available. Your actual rate will reflect your individual circumstances and may be higher. Contact our Loan Department to find out your loan rate.
Share Secured Loan Rates
Annual percentage rates effective November 12, 2020. Rates are subject to change any time so, these rates aren't guaranteed.
| Length of the Loan | Annual Percentage Rate* |
|---|---|
| 60 months | 2.50% |
* These are our lowest rates available. Your actual rate will reflect your individual circumstances and may be higher. Contact our Loan Department to find out your loan rate.
CD Secured Loan Rates
Annual percentage rates effective November 12, 2020. Rates are subject to change any time so, these rates aren't guaranteed.
| Length of the Loan | Annual Percentage Rate* |
|---|---|
| Variable | as low as 2% over CD rate (min. 2.50%) |
* These are our lowest rates available. Your actual rate will reflect your individual circumstances and may be higher. Contact our Loan Department to find out your loan rate.