Mortgage Rates
If you’re looking to buy a new home or refinance your current home, please give us a call for rates at 217.875.2301.
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.
Annual percentage rates effective January 8th, 2025.
Rates are subject to change any time so, these rates aren't guaranteed.
Auto Loan Rates
| Vehicle Year* | 36 Months | 48 Months | 60 Months | 72 Months | 78 Months | 84 Months |
|---|---|---|---|---|---|---|
| 2023 and newer | 4.90% | 5.05% | 5.40% | 5.65% | 6.25% | 6.45% |
| 2021-2022 | 5.00% | 5.20% | 5.50% | 5.80% | 6.45% | 6.70% |
| 2020 | 5.20% | 5.40% | 5.75% | 6.15% | 6.75% | |
| 2019 | 5.40% | 5.60% | 5.90% | 6.40% | 7.00% | |
| 2018 | 5.65% | 5.85% | 6.30% | 6.65% | ||
| 2017 | 6.05% | 6.30% | 7.15% | 7.65% | ||
| 2016 & Older | 6.90% | 7.45% |
* These are our lowest rates available. Your actual rate will reflect your individual circumstances and may be higher. A-B loans for motorcycles will have no rate bump. C-D loans for motorcycles will have a 2% rate bump. Terms and Conditions may apply. Contact our Loan Department to find out your loan rate. Payment Example: For a vehicle that is a 2024 at a 6.35% Annual Percentage Rate on a $40,000 loan with a 72-month term, monthly payment would be $669.54.
RV/Camper/5th Wheel/Boats
| Vehicle year | 12 Year Term | 10 Year Term | 8 Year Term | 7 Year Term | 6 Year Term | 2-5 Year Term |
|---|---|---|---|---|---|---|
| 2022 and newer | 8.25% | 7.75% | 7.50% | 7.25% | 7.00% | 6.25% |
| 2018-2021 | 8.85% | 8.00% | 7.75% | 7.50% | 7.25% | 6.75% |
| 2015-2017 | 8.50% | 8.25% | 8.00% | 7.50% | 7.00% | |
| 2014 & Older | 8.75% | 8.35% | 7.75% | 7.25% |
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 you loan rate. Payment Example: For a vehicle 2022 and newer at a 6.00% Annual Percentage Rate on a $25,000 loan with a 6 year term, monthly payment would be $423.23.
Home Equity Rates
| Loan to Value | 5 Year Term | 7 Year Term | 10 Year Term | 15 Year Term | 20 Year Term |
|---|---|---|---|---|---|
| For a loan up to 80% of your home's value | 5.75% APR | 6.00%APR | 6.15%APR | 6.30% APR | 7.00%APR |
| For a loan up to 100% of your home's value | 6.25% APR | 6.50% APR | 6.65% APR | 6.80% APR | 7.50%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 6.15% Annual Percentage Rate on a $100,000 loan with a 10 year term, monthly payment would be $1,117.75.
*Be sure to consult a tax advisor for further information regarding the deductibility of interest or charges on loans secured by a dwelling.*
Home Equity Line of Credit
| Monthly Variable | Rate |
|---|---|
| For a loan up to 80% of a monthly variable | 8.50% |
| For a loan up to 100% of a monthly variable | 10.50% |
* 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
| Length of the Loan | Annual Percentage Rate* |
|---|---|
| 12-24 Months | 8.50% |
| 36 Months | 9.50% |
| 48 Months | 10.50% |
| 60 Months | 11.50% |
* 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. Payment Example: At 8.900% Annual Percentage Rate on a $10,000 loan with a 36 month term, monthly payment would be $317.53.
Student Loan Rates
| 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
| 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. Payment Example: At 2.500% Annual Percentage Rate on a $10,000 loan with a 60 month term, monthly payment would be $177.47.
Share Certificate Rates
| 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.