Loan Rates
Home Loans
|
Rates effective 01/27/2020
Fixed Rate Home Loans
|
Term
|
Interest Rate*
|
Discount Points
|
Monthly
Payments*
|
APR*
|
|---|
|
30 years
|
3.500%
|
0.000%
|
$673.57
|
3.530%
|
|
15 years
|
3.125%
|
0.000%
|
$1,044.91
|
3.179%
|
Adjustable Rate Home Loans (1-year ARM)
|
Term
|
Interest Rate*
|
Discount Points
|
Monthly
Payments*
|
APR*
|
|---|
|
30 years
|
3.250%
|
1.000%
|
$435.21
|
2.753%
|
Fully indexed rate today would be 2.625%
FHA/VA
|
Term
|
Interest Rate*
|
Discount
Points
|
Monthly
Payments*
|
APR*
|
|---|
|
30 years
|
3.375%
|
0.000%
|
$674.64
|
4.305%
|
|
15 years
|
3.375%
|
0.000%
|
$1,081.57
|
4.472%
|
*Interest Rate applies to a $150,000 loan.
*Rate based on Credit Score of 740 or above.
*Payment doesn't include taxes or insurances.
APR includes underwriting fees, flood determination fees and estimated pre-paid interest for owner-occupied properties.
60 day lock pricing.
*Payment amount applies to a $150,000 loan, with a 20% down payment. If the down payment is less than 20%, mortgage insurance may be needed on the loan. This could increase the monthly payment and the APR.
For FHA Loans, *APR also includes cost of FHA mortgage insurance. For ARM Programs, *APR is based on an index and the APR and payments are subject to change after the initial fixed rate period.
Contact us for rates on loans with other amounts, lower down payments, and other terms.
RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
Loan Pricing may only be locked by a Home Federal Bank lender.
Note: Property insurance is required on all home loans. Additional settlement costs will also apply for services provided by outside parties.
|
|
Vehicle/Personal Loans
|
Annual Percentage Rates (APR) Effective as of 02/08/19
New & Used Vehicle Loans
|
Auto/Year
|
Maximum Term
(Months)
|
APR with Home Federal Automatic Payment
|
APR without Home Federal Automatic Payment
|
|---|
|
2017-2019
|
36
|
4.69%
|
5.19%
|
|
2017-2019
|
48
|
5.04%
|
5.54%
|
|
2017-2019
|
60
|
5.24%
|
5.74%
|
|
2017-2019
|
72
|
5.74%
|
6.24%
|
|
2014-2016
|
36
|
5.24%
|
5.74%
|
|
2014-2016
|
48
|
5.44%
|
5.94%
|
|
2014-2016
|
60
|
5.64%
|
6.14%
|
|
2011-2013
|
36
|
6.24%
|
6.74%
|
|
2011-2013
|
48
|
6.44%
|
6.94%
|
|
2011-2013
|
60
|
6.74%
|
7.24%
|
|
2008-2010
|
36
|
7.49%
|
7.99%
|
|
2008-2010
|
48
|
7.99%
|
8.49%
|
|
2005-2007
|
24
|
8.49%
|
8.99%
|
|
2005-2007
|
36
|
8.99%
|
9.49%
|
|
2004-Older*
|
24
|
9.49%
|
9.99% |
*Subject to visual/mileage inspection.
Personal/Other Loans
|
Loan Amount
|
Maximum Term
|
APR with Home Federal Automatic Payment
|
APR without Home Federal Automatic Payment
|
|---|
|
$2,500.00-$3,500.00
|
24
|
10.24%
|
10.74%
|
|
$3,501.00-$5,000.00
|
36
|
10.24%
|
10.74%
|
|
$5,001.00-$10,000.00
|
48
|
9.74%
|
10.24%
|
|
$10,001.00 +
|
60
|
9.74%
|
10.24%
|
Vehicle Loan Fees
|
Documentation
|
$79
|
|
Filing
|
$7
|
|
|
Home Equity Loans
Fixed Rate Home Equity Loans
|
Term
|
APR with Home Federal Automatic Payment
|
APR without Home Federal Automatic Payment
|
Loan to Value
|
|---|
|
1-36 months
|
5.80%
|
6.30%
|
Up to 80%
|
| |
6.30%
|
6.80%
|
81% - 90%
|
|
37-60 months
|
6.10%
|
6.60%
|
Up to 80%
|
| |
6.60%
|
7.10%
|
81% - 90%
|
|
61-84 months
|
6.60%
|
7.10%
|
Up to 80%
|
| |
7.60%
|
8.10%
|
81% - 90%
|
|
85-120 months
|
7.60%
|
8.10%
|
Up to 80%
|
| |
9.10%
|
9.60%
|
81% - 90%
|
Property insurance is required.
Home Equity Lines of Credit are available. Call us at 308-382-4000 for details.
Home Equity Loan Fees
|
Documentation
|
$99
|
|
Recording Fees
|
$50-$75
|
|
Title Search (if needed)
|
$100 - $150
|
|
Property Valuation
|
$150
|
|
Flood Determination
|
$5 - $14
|
Payment Example:
For a Home Equity Loan of $10,000.00 @ 5.25% APR for sixty (60) months, the payment would be $189.86.
Home Equity Line of Credit
|
Up to 80% Loan to Value
|
Prime + 0.50%
|
|
81% - 90% Loan to Value
|
Prime + 1.25%
|
Prime rate as of October 30, 2019 is 4.75%. Hazard insurance is required. Interest rate assumes borrower has Home Federal checking account, otherwise rate is 1/2% higher. HELOC will have a rate floor of 5.50% for term of note.
Home Equity Line of Credit Loan Fees
|
Documentation
|
$99
|
|
Recording Fees
|
$50-$75
|
|
Title Search (if needed)
|
$100-$150
|
|
Property Valuation
|
$150
|
|
Flood Determination
|
$5 - $14
|
Payment Example:
If you made only the minimum monthly payment and took no other credit advances, it would take 5 years to pay off a credit advance of $10,000 at an APR of 5.500%. During that time period, you would make 59 payments ranging from $81.07 and $146.71 and one final payment of $5,552.65.
Documentation Fee of $49
Payment Example:
For a Personal Loan of $4,000.00 @ 9.99% APR for thirty-six (36) months, the payment would be $129.05.
|
|
|
|
|
|
