Rates

IMPORTANT NOTE: Rates quoted below are our lowest available and may vary based on your individual credit.

PERSONAL LOANS

Rate APR Term Payment
New and Used Cars/Trucks/Recreational Vehicles (2013-2017) 1.990 1.990 36
2.490 2.490 60
2.790 2.790 72*
4.390 4.390 84**
4.690 4.690 120^
Used Cars/Trucks/Recreational Vehicles (2009-2012) 2.390 2.390 36
2.790 2.790 60
Used Cars/Trucks/Recreational Vehicles (2008 and older) 4.490 4.490 60
Unsecured $5000- $25000 6.950 6.950 48
                  $1000 – $4999 7.950 7.950 36
                  $100 – $999 10.950 10.950 12
Kwik Cash Line of Credit (variable rate loan) 11.00 11.00 n/a $3.00 per $100
Signature Line of Credit (variable rate loan) 9.000 9.000 n/a $2.00 per $100
*Minimum of $15,000 to finance
** Minimum of $20,000 to finance; new vehicles only
^ Term available for boats, RVs and campers only; minimum $18,000 to finance
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REAL ESTATE LOANS

Rate APR Term Payment
Real Estate – 1st Mortgage Owner Occupied (fixed term) 3.000 3.162 60
3.500 3.584 120
4.250 4.304 180
Real Estate – 1st Mortgage Owner Occupied (terms up to 30 years available)
(3/1) ARM 3.250 3.294 240
(5/1) ARM 3.500 3.545 240
(10/1) ARM 4.000 4.041 240
Real Estate – 1st Mortgage Investment Property (use standard rate plus 1.250%)
Construction 2.990 2.990 12
Real Estate – 1st Mortgage Land Only 4.500 4.586 120
Real Estate – 2nd Mortgage Owner Occupied (Terms up to 15 available) 4.250 4.414 60
Home Equity Line of Credit (HELOC) Call us for current rate information Variable Variable n/a 1.5% of balance
Contact us at (715) 843-4663 for additional terms and rates on mortgages.
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SAVINGS AND CHECKING

Dividend Rate APY* Term
Regular Savings ($75 minimum for dividend) 0.350 0.350 n/a
Regular Savings – Youth ($1.00 minimum for dividends) 0.350 0.350 n/a
Prime Times Savings ($500 minimum for dividends) 0.400 0.400 n/a
Christmas Savings ($25.00 minimum for dividend) 0.250 0.250 n/a
HSA Savings ($25.00 minimum for dividend) 0.750 0.750 n/a
IRA Savings ($500 minimum for dividend) 0.350 0.350 n/a
Money Market Savings – Tiered Account ($2,000 minimum for dividend) 0.000 0.000 n/a
Tier 1 ($2,000.00 – $9,999.99) 0.450 0.450 n/a
Tier 2 ($10,000 – $24,999.99) 0.500 0.500 n/a
Tier 3 ($25,000-$74,999.99) 0.550 0.550 n/a
Tier 4 ($75,000+) 0.570 0.570 n/a
Business Savings ($75.00 minimum for dividend) 0.350 0.350 n/a
Interest Checking ($1000 minimum for dividend) 0.100 0.100 n/a
Money Market Checking – Tiered Account ($2000 minimum for dividend) 0.000 n/a
Tier 1 ($2,000.00-$9,999.99) 0.250 0.250 n/a
Tier 2 ($10,000 +) 0.400 0.400 n/a
Organization Checking ($500 minimum for dividend) 0.100 0.100 n/a
Business Checking ($5,000 minimum for dividends) 0.100 0.100 n/a
*APY = Annual Percentage Yield
Fees may reduce earnings on account.
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CERTIFICATES

Dividend Rate APY* Term
6-Month Certificate with $2500 Minimum Balance 0.350 0.350 6
6-Month Certificate with $10,000 Minimum Balance 0.450 0.450 6
7-Month Liquid Certificate with $10,000 Minimum Balance 0.450 0.450 7
9-Month Certificate with $5000 Minimum Balance 0.500 0.500 9
12-Month Certificate with $500 Minimum Balance (Education IRA) 0.300 0.300 12
12-Month Certificate with $1000 Minimum Balance 0.350 0.350 12
12-Month Certificate with $5000 Minimum Balance 0.600 0.600 12
15-Month Certificate with $5000 Minimum Balance 0.630 0.630 15
*** SPECIAL ***
16-Month Certificate with $5000 Minimum Balance
1.240 1.250 16
18-Month Certificate with $1000 Minimum Balance 0.530 0.530 18
18-Month Certificate with $5000 Minimum Balance 0.600 0.600 18
21-Month Certificate with $5000 Minimum Balance 1.090 1.110 21
24-Month Certificate with $1000 Minimum Balance 0.700 0.700 24
24-Month Certificate with $5000 Minimum Balance 1.000 1.000 24
25-Month Certificate with $5000 Minimum Balance 1.050 1.050 25
30-Month Certificate with $1000 Minimum Balance 0.650 0.650 30
30-Month Certificate with $5000 Minimum Balance 0.700 0.700 30
36-Month Certificate with $1000 Minimum Balance 1.000 1.000 36
36-Month Certificate with $5000 Minimum Balance 1.290 1.300 36
48-Month Certificate with $1000 Minimum Balance 1.090 1.090 48
48-Month Certificate with $5000 Minimum Balance 1.500 1.510 48
60-Month Certificate with $1000 Minimum Balance 1.390 1.400 60
60-Month Certificate with $5000 Minimum Balance 1.810 1.820 60
*APY = Annual Percentage Yield
Fees may reduce earnings on account. A penalty may be imposed for early withdrawal.
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