We post our rates as a convenience to our customers while
making financial decisions. Please use our calculators to help you weigh
your options and feel free to apply
online. Realize rates are subject to change without notice. When in doubt,
please contact the bank. Annual Percentage Rates
(APR) Effective as of 5/15/10.
| New &
Used Cars | Fixed Rate Home
Equity Loans
|
| Equity Line of
Credit | All Other Loans |
$49 Documentation Fee on all Consumer Loans
(A deduction of .50% will be allowed on all Fixed Rate
Consumer Loans when automatic payment from a Home Federal deposit account is authorized.)
| Auto/Year |
Maximum Term
(Months) |
APR with Home Federal Automatic Payment |
APR without Home Federal Automatic Payment |
|
2008-2010 |
36 |
6.25% |
6.75% |
|
2008-2010 |
48 |
6.75% |
7.25% |
|
2008-2010 |
60 |
6.95% |
7.45% |
|
2009-2010 |
72 |
7.75% |
8.25% |
|
2006-2007 |
36 |
6.45% |
6.95% |
|
2006-2007 |
48 |
6.75% |
7.25% |
|
2006-2007 |
60 |
7.25% |
7.75% |
|
2004-2005 |
36 |
7.35% |
7.85% |
|
2004-2005 |
48 |
8.25% |
8.75% |
| 2002-2003 |
24 |
8.95% |
9.45% |
| 2002-2003 |
36 |
9.75% |
10.25% |
| 2000-2001 (LV) |
24 |
10.95% |
11.45% |
| 1999-Older* (LV) |
18 |
See "Other" Rates |
|
| Documentation |
$49 |
| Title |
$10 |
| Filing |
$7 |
| NOTE: Normal underwriting guidelines for Used Cars
include used autos not more than 10 years old with available N.A.D.A. Book Values.) Payment Example: A $10,000 loan for 60 months @ 9.00% APR will have sixty
(60) monthly payments of $207.58.
*Subject to visual/mileage inspection. |
| Term |
APR with Home Federal Automatic Payment |
APR without Home Federal Automatic Payment |
Loan to Value* |
| 1-36 months |
6.10% |
6.60% |
Up to 80% |
| |
7.10% |
7.60% |
81% - 90% |
| 37-60
months |
6.40% |
6.90% |
Up to 80% |
| |
7.40% |
7.90% |
81% - 90% |
| 61-84
months |
7.75% |
8.25% |
Up to 80% |
| |
8.75% |
9.25% |
81% - 90% |
| 85-120 months |
8.25% |
8.75% |
Up to 80% |
| |
9.25% |
9.75% |
81% - 90% |
| |
|
|
|
| *Assessed Value
(100%) or Appraisal (90%) up to 3 years. Property insurance is required.
Home Equity Lines of Credit are available. Call us at 308-382-4000
for details. |
| Documentation |
$49 |
| Recording Fees |
$30.50 |
| Flood Verification |
$18 |
| Payment Example: For a Home Equity Loan of $7,500.00
@ 9.00% APR for sixty (60) months, the payment would be $155.69. |
|
Equity Line of Credit
Fixed introductory rate
on all loans for 90 days of:
3.95% (80% LTV)
4.25% (81 - 90% LTV)
After 90 days,
there is a variable rate as follows: |
| Up to 80% Loan
to Value |
Prime + .25% |
| 81% - 90% Loan
to Value |
Prime + 1.00% |
Prime rate as of December 17, 2008 is 3.25%. Offer good on new
money only. Hazard insurance is required. Introductory
rate assumes borrower has Home Federal checking account, otherwise
rate is 1/2% higher. Minimum rate 5.00% |
|
Equity Line of Credit Loan Fees:
|
| Documentation |
$49 |
| Recording Fees |
$25.50 |
| Flood
Verification |
$18 |
|
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 7.25%.
During that time period, you would make 59 payments varying
between $154.17 and $86.07, with a final payment of $5,556.77.
|
| Loan Amount |
Maximum Term |
APR with Home Federal Automatic Payment |
APR without Home Federal Automatic Payment |
| $1,000.00-$3,000.00 |
24 |
14.95% |
15.45% |
| $3,001.00-$6,000.00 |
36 |
12.95% |
13.45% |
| $6,001.00-$10,000.00 |
48 |
11.95% |
12.45% |
| $10,001.00 + |
60 |
10.95% |
11.45% |
| Payment Example: For a Consumer Loan of $5,000.00 @
15.00% APR for thirty-six (36) months, the payment would be $173.33. |
|
