Mortgage Loans

Rates current as of August 10, 2020

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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 2.750% 2.754%3 1-119
120
$954.18
$952.91
144 months 2.750% 2.754%3 1-143
144
$816.17
$816.11
180 months 2.875% 2.878%3 1-179
180
$684.67
$683.72
240 months 3.125% 3.128%3 1-239
240
$560.98
$558.65
360 months Call 715-387-8686 for Current Rates
5.5 YEAR BALLOON Up to 180 Months
Amortizing
2.750% 2.756%3 1-65
66
$678.69
$68,702.29
Up to 240 Months
Amortizing
2.750% 2.756%3 1-65
66
$542.24
$78,277.65
Up to 360 Months
Amortizing
2.750% 2.756%3 1-65
66
$408.33
$87,674.89
7 YEAR BALLOON Up to 180 Months
Amortizing
3.000% 3.004%3 1-83
84
$690.66
$59,565.72
Up to 240 Months
Amortizing
3.000% 3.003%3 1-83
84
$554.69
$72,121.83
Up to 360 Months
Amortizing
3.000% 3.003%3 1-83
84
$421.70
$84,402.76
CONSTRUCTION 12 months 2.875% 2.881%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 3.875% 3.879%3 1-119
120
$1,006.61
$1,006.58
5.5 YEAR BALLOON Up to 180 Months
Amortizing
3.500% 3.506%3 1-65
66
$714.98
$69,973.96
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 August 10, 2020 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 August 10, 2020 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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