Loan Rates

Residential Real Estate
Apply for a Mortgage Loan:
800-762-3136 ext. 2205
  Term APR
10 Year Fixed 10 year, 20% down 3.900%
15 Year Fixed 15 year, 20% down

4.000%
20 Year Fixed * 10%-20% down 4.125%
3 Year ARM

30 year amortization, 20% down

 3.500%
5 Year ARM

30 year amortization, 20% down

 3.500%
7 Year ARM 30 year amortization, 20% down 3.625%
7 Year ARM - 1st Time Home Buyer

30 year amortization, 5% down

 3.625%
10 yr ARM-  Primary/Secondary 30 year amortization, *10%-20% down 3.750%
12 Year Fixed, Mobile Home, real estate attached 30% down 5.125%
Construction 6 months, 30% down 6.000%

Bare Ground (Construction)

15 Year Fixed, 25 acres or less, intent to build in 2 years

 35% down 4.375%
15 Year Fixed 15 year, 35% down 4.250%
5 Year ARM 25 year amortization, 35% down 3.500%
Investment Properties
  Term APR
12 Year Fixed 12 year, 35% down 6.500%
3 Year ARM 15 year amortization, 35% down 5.250%
Other Loans
  Term APR
Residential Second Mortgage 10 year fixed, 80% maximum LTV 6.000%
Beacon Platinum Home Equity LOC 10 year ARM, 80% maximum LTV 4.500%
Unsecured Personal up to 36 months maximum term by quote
Motorcycles/Recreational Vehicles up to 60 months maximum term by quote
New and Used Auto Loans up to 72 months maximum term by quote
Classic Car Rate Up to 48 months maximum term by quote
Agricultural Loans
  Term APR
15 Year Fixed 15 year, 65% maximumLTV 4.250%
15 Year Fixed Balloon

25 year amortization, 65% maximum LTV

4.750%
Farm Operation Line of Credit

1 yr. fixed

4.000%
Farm Equipment

2 - 4 yr. fixed

 3.500%

Farm Equipment

5 - 7 yr. fixed

 3.750%
5 Year ARM 25 year amortization, 65% maximum LTV 3.500%
Commercial Loans
  Term APR
15 Year Fixed 15 year, 70% maximum LTV 5.000%
Commercial Line of Credit 1 yr. fixed 4.750%
2 - 4 Year Fixed 2-4 yr. fixed, 30% down 4.250%
5 - 7 Year Fixed 5-7 yr. fixed, 30% down 4.500%
10 Year Fixed Balloon 25 year amortization, 70% maximum LTV 5.250%
3 Year ARM (WSJ Prime) 25 year amortization, 70% maximum LTV 4.500%

* Rates subject to change without notice. APR - Annual Percentage Rate. The Interest Rates for Adjustable Rate Mortgage (ARM) may increase after consummation. LTV - Loan to Value. *PMI Qualifications must be met for less than 20% down.

Rates effective 5/21/2013.

For more information contact us today. Call (800) 762-3136.