Rates current as of April 12, 2022
Mortgage & Home Equity Loan Rates As Low As:
FIRST MORTGAGES
| Type | Term Up To | Rate | Annual Percentage Rate3 | Payment Number | Monthly Payment3 |
| FIXED RATE | 120 months | 4.75% | 4.757%3 | 1-119 120 |
$1,048.70 $1,048.11 |
| 144 months | 4.75% | 4.757%3 | 1-143 144 |
$912.62 $912.23 |
|
| 180 months | 4.875% | 4.881%3 | 1-179 180 |
$784.52 $782.43 |
|
| 240 months | 5.125% | 5.131%3 | 1-239 240 |
$667.12 $664.19 |
|
| 360 months | Call 715-387-8686 for Current Rates | ||||
| 5.5 YEAR BALLOON | Up to 180 Months Amortizing |
5.00% | 5.007%3 | 1-65 66 |
$791.03 $72,442.94 |
| Up to 240 Months Amortizing |
5.00% | 5.008%3 | 1-65 66 |
$660.20 $82,227.93 |
|
| Up to 360 Months Amortizing |
5.00% | 5.007%3 | 1-65 66 |
$477.63 $89,875.46 |
|
| 7 YEAR BALLOON | Up to 180 Months Amortizing |
5.25% | 5.257%3 | 1-83 84 |
$804.13 $63,717.06 |
| Up to 240 Months Amortizing |
5.25% | 5.257%3 | 1-83 84 |
$674.10 $76,753.80 |
|
| Up to 360 Months Amortizing |
5.25% | 5.257%3 | 1-83 84 |
$552.47 $88,948.35 |
|
| CONSTRUCTION | 12 months | 5.125% | 5.137%4 | Monthly interest payments based on the amount outstanding |
|
SECOND MORTGAGES
| Type | Term Up To | Rate | Annual Percentage Rate3 | Payment Number | Monthly Payment3 |
| FIXED RATE | 120 Months | 5.875% | 5.883%3 | 1-119 120 |
$1,104.22 $1,103.40 |
| 180 Months | 6.00% | 6.007%3 | 1-179 180 |
$844.14 $841.69 |
|
| HOME EQUITY LINE OF CREDIT | Not Applicable | Variable (Prime) subject to change |
Variable (Prime) | 2% of outstanding balance at prior month end per $1,000 borrowed during draw period5 |
3Rates and monthly payments based on a $100,000 loan amount for purchase of a single-family residence and 20% down payment. Rates effective as of April 12, 2022 and are subject to change. Individual rates may vary based on Loan-to-Value (LTV), term of loan, and subject to credit approval. Payments do not include amounts for taxes or property insurance premiums, and the actual payment obligation will be higher. Membership eligibility required.
4Rates are based on a $200,000 loan amount for the construction phase of a single-family residence and 20% down payment. Rates effective as of April 12, 2022 and are subject to change. Individual rates may vary based on Loan-to-Value (LTV), term of loan, and subject to credit approval. Interest payments do not include amounts for taxes or property insurance premiums. Membership eligibility required.
5Monthly minimum periodic payments made during the draw period may not fully amortize the remaining balance of the line of credit at the maturity date. Any outstanding balances due at the end of the draw period will require a monthly principal and interest payment that will continue until the HELOC account balance is paid in full. Closing costs range from $400 – $900. If an appraisal is required, the cost typically ranges from $300 – $450. Property insurance is required. The maximum annual percentage rate that can apply is 18%.
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