Rates



Automobile & Pickup loans

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 6.99% 72 0% oac 0% oac
2019- 2021 7.99% 66 10%  10% 
2015 – 2018 8.99% 54  20% 25%
2011 – 2014 10.99% 48 20% 25%
2007 – 2010 11.99% 42 20% 25%
2006 & older 13.99% 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 7.99% 0% oac 0% oac
2019 – 2021 8.99% 25% 30%
2015 – 2018 9.99% 25% 30%
2009 – 2014 11.99% 25% 30%
2008 & older 14.99% 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 7.99% 25% 30%
2015 – 2021 9.99% 25% 30%
2010 – 2014 11.99% 25% 30%
2005 – 2009 13.99% 25% 30%
2004 & Older 14.99% 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 12.99% 144 25% N/A
 6-10 years 13.99% 144 25% N/A
11-15 years 14.99% 120 25% N/A
16 years+ 15.99% 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 August 4, 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

  Rate Maximum
Term
Minimum Required
Down Payment
  Please Contact us at
1-888-566-FARM (3276) for a specific quote
up to 15 years 25% down payment of purchase price or county assessed value, whichever is less

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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