Vehicle Age	Base Rate	Maximum Term (Months)	Minimum Required Down Payment (Monthly Payment) *	Minimum Required Down Payment (Annual, Semi-annual, Quarterly Payment)
New – Current Model Year	9.99%	72	0% oac	0% oac
2019- 2021	10.99%	66	10%	10%
2015 – 2018	11.99%	54	20%	25%
2011 – 2014	13.99%	48	20%	25%
2007 – 2010	14.99%	42	20%	25%
2006 & older	15.99%	30	20%	25%

Snowmobiles, ATVs, Motorcycles, UTVs, Personal Watercraft

Term Based on the Amount Financed No payments under $100
$15,000 & above 66 months $9,000-$14,999 60 months $4,000-$8,999 48 months $1,000-$3,999 36 months $999 & below 18 months
Vehicle Age	Rate	Minimum Required Down Payment (Monthly Payment)	Minimum Required Down Payment (Annual, Semi-annual, Quarterly Payment)
New – Current Model Year	10.99%	0% oac	0% oac
2019 – 2021	11.99%	25%	30%
2015 – 2018	12.99%	25%	30%
2009 – 2014	13.99%	25%	30%
2008 & older	15.99%	25%	30%

Campers, Travel Trailers, Boats, Motor Homes

Term Based on Amount Financed
$20,000 & above 96 months $15,000-$19,999 84 months $9,000-$14,999 66 months $4,000-$8,999 48 months $1,000-$3,999 36 months
Vehicle Age	Rate	Minimum Required Down Payment (Monthly Payment)	Minimum Required Down Payment (Annual, Semi-annual, Quarterly Payment)
New – Current Model Year	10.99%	25%	30%
2015 – 2021	12.99%	25%	30%
2010 – 2014	14.99%	25%	30%
2005 – 2009	15.99%	25%	30%
2004 & Older	16.99%	25%	30%

Mobile Homes

Mobile Home Age	Rate	Maximum Term (Months)	Minimum Required Down Payment (Monthly Payment)	Minimum Required Down Payment (Annual, Semi-annual, Quarterly Payment)
New-5 years	13.99%	144	25%	N/A
6-10 years	14.99%	144	25%	N/A
11-15 years	15.99%	120	25%	N/A
16 years+	16.99%	up to 84	25%	N/A

Disclosure: ** Rates disclosed as Annual Percentage Rate (APR). Some restrictions may apply based upon the make and model of vehicle offered as collateral, and on credit-worthiness. Loans subject to credit approval. Rates are accurate as of November 1, 2022. Rates shown are for loan applications submitted electronically through the website and includes a 1/4% discount for automatic payment deduction from a deposit account. Rates and financing are subject to change without notice. Rates for other applications methods may vary. Please contact 1-888-566-FARM (3276) for additional information.

Mortgage Loans, Home Improvements, Home Equity

(Institution NMLS #182330

Bare Land Loans

(Institution NMLS #182330)

Rate	Maximum Term	Minimum Required Down Payment
Please Contact us at 1-888-566-FARM (3276) for a specific quote	up to 15 years	50% down payment of purchase price or market value, whichever is less

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