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.

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.

Car Loan Rates

Annual percentage rates effective June 19, 2020. Rates are subject to change any time so, these rates aren't guaranteed.

Vehicles* Months
Year 24-36 48 60 72
2020 2.59% 2.59% 2.74% 3.09%
2019 2.64% 2.64% 2.79% 3.14%
2018 2.74% 2.74% 2.89% 3.24%
2017 2.89% 2.89% 3.04% 3.39%
2016 2.89% 2.89% 3.04% 3.39%
2015 3.24% 3.24% 3.39% 3.69%
2014 3.24% 3.24% 3.39% 3.69%
2013 4.04% 4.04% 4.39%
2012 & Older 6.54% 6.89%

* 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.

Home Equity Rates

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 3.09% APR 3.04% APR 2.9942% APR 2.96% APR 3.05% APR
For a loan up to 100% of your home's value 4.02% APR 4.14% APR 4.10% APR 4.07% APR 4.16% 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.

Personal Loan Rates

Annual percentage rates effective June 19, 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 June 19, 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 June 19, 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 June 19, 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.