Personal Loan Rates

Home Loans

Up To 97% Financing

Comparison table of Home Loans
Details	Rate	Fee	APR	Monthly Payment
30 Year	6.500%	$995	6.555%	$2,370.26
20 Year	6.125%	$995	6.197%	$2,713.73
15 Year	5.500%	$995	5.588%	$3,064.06
**29 Year Construction	6.500%	1.00%	6.651%	$2,397.05
*30 Year FTHB	6.500%	0.00%	6.513%	$2,370.26

Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing this loan.

Interest Rates and Annual Percentage Rates (APRs) are based on a purchase of a 1-4 family, owner occupied residence with a down payment of 25%, a loan amount of $375,000, a 740 FICO score and automatic payment. These rates are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount (jumbo), loan-to-value, credit score, refinance with cash out and other variables - call for details. If mortgage insurance is required, the mortgage insurance premium could increase the APR and monthly mortgage payment. Additional loan programs may be available. Minimum loan amount is $50,000.

Rates and fees quoted effective 08/04/2025 and are subject to change without notice.

*First Time Homebuyer Loans - Maximum loan to value ratio is 97% of the purchase price or appraised value, whichever is less with no PMI (private mortgage insurance) required. Annual Percentage Rate (APR) and payment are based on a $375,000 loan. Rates and fees quoted subject to change without notice. Other restrictions may apply - call for details.

**Construction Loans - 29 year maximum term combined with an 8 month construction period wherein interest on disbursed funds is due monthly. Loan amount not to exceed $806,500. Minimum loan amount is $50,000.

Jumbo Home Loan Rates

For Loan Amounts Greater Than $806,500

Comparison table of Jumbo Home Loan Rates
Details	Rate	Fee	APR	Monthly Payment
30 Year	6.500%	$995	6.527%	$4,845.12
20 Year	6.125%	$995	6.160%	$5,547.23
15 Year	5.500%	$995	5.543%	$6,263.36
*29 Year Construction	6.500%	1.00%	6.628%	$4,899.89
**30 Year	6.500%	$995	6.557%	$4,845.12

Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing this loan.

Jumbo loans in an amount up to $1,500,000 will be limited to a maximum 80% loan to value ratio. Jumbo loans in an amount $1,500,001–$2,000,000 will be limited to a maximum 75% loan to value ratio. Jumbo loans in an amount greater than $2,000,000 will be limited to a maximum 65% loan to value ratio.

Interest Rates and Annual Percentage Rates (APRs) are based on a purchase of a 1-4 family, owner occupied residence with a down payment of 20%, a loan amount of $806,501, a 740 FICO score and automatic payment. These rates are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount (jumbo), loan-to-value, credit score, refinance with cash out and other variables - call for details. If mortgage insurance is required, the mortgage insurance premium could increase the APR and monthly mortgage payment. Additional loan programs may be available.

Rates and fees quoted effective 08/04/2025 and are subject to change without notice.

*Construction Loans - 29 year maximum term combined with an 8 month construction period wherein interest on disbursed funds is due monthly.

**30 year interest rate based on 90% loan to value ratio. Requires PMI and loan amount not to exceed $1,209,750.

Manufactured Home Loan Rates

Comparison table of Manufactured Home Loan Rates
Details	Rate	Fee	APR	Monthly Payment
30 Year	6.875%	1.250%	7.030%	$2,463.48
30 Year FTHB	6.875%	0.000%	6.888%	$2,463.48
15 Year	5.875%	1.250%	6.120%	$3,139.19

Home Equity Loan Rates

Primary Residence Only

Fixed Rate Loans

Comparison table of Home Equity Loan Rates
Term	Minimum Loan Amount	Rate	APR	Term	Fee	Monthly Payment
60 months	$20,000.00	7.375%	8.812%	80%	** see below	$399.57
120 months	$20,000.00	7.375%	8.150%	80%	** see below	$236.10
180 months	$20,000.00	7.375%	7.930%	80%	** see below	$183.98
240 months	$20,000.00	7.375%	7.823%	80%	** see below	$159.59

Home Equity Line Of Credit (HELOC)

Primary Residence Only

Comparison table of HELOC
Term	Minimum Loan Amount	Rate	APR	LTV	Fee
84/180 months	$20,000.00	8.000%	8.061%	70%	$0

Auto Loan Rates

Model Years 2025-2023 (max LTV 100%)

Credit Score 740 or Above

Comparison table of Credit Score 740 or Above (MY1)
Loan Term	APR¹	Monthly Payment¹
36 months	6.340%	$458.64
48 months	6.490%	$355.66
60 months	6.740%	$295.18
72 months	7.140%	$256.74

Credit Score 700 to 739

Comparison table of Credit Score 700 to 739 (MY1)
Loan Term	APR¹	Monthly Payment¹
36 months	6.840%	$462.06
48 months	6.990%	$359.12
60 months	7.240%	$298.72
72 months	7.640%	$260.37

Credit Score 660 to 699

Comparison table of Credit Score 660 to 699 (MY1)
Loan Term	APR¹	Monthly Payment¹
36 months	7.340%	$465.49
48 months	7.490%	$362.61
60 months	7.740%	$302.28
72 months	8.140%	$264.03

Model Years 2022-2020 (max LTV 100%)

Credit Score 740 or Above

Comparison table of Credit Score 740 or Above (MY2)
Loan Term	APR¹	Monthly Payment¹
36 months	6.840%	$462.06
48 months	6.990%	$359.12
60 months	7.240%	$298.72

Credit Score 700 to 739

Comparison table of Credit Score 700 to 739 (MY2)
	APR¹	Monthly Payment¹
36 months	7.340%	$465.49
48 months	7.490%	$362.61
60 months	7.740%	$302.28

Credit Score 660 to 699

Comparison table of Credit Score 660 to 699 (MY2)
Loan Term	APR¹	Monthly Payment¹
36 months	7.840%	$468.94
48 months	7.990%	$366.12
60 months	8.240%	$305.87

Model Years 2019-2017 (max LTV 80%)

Credit Score 740 or Above

Comparison table of Credit Score 740 or Above (MY3)
Loan Term	APR¹	Monthly Payment¹
36 months	7.340%	$465.49
48 months	7.490%	$362.61
60 months	7.740%	$302.28

Credit Score 700 to 739

Comparison table of Credit Score 700 to 739 (MY3)
Loan Term	APR¹	Monthly Payment¹
36 months	7.840%	$468.94
48 months	7.990%	$468.94
60 months	8.240%	$305.87

Credit Score 660 to 699

Comparison table of Credit Score 660 to 699 (MY3)
Loan Term	APR¹	Monthly Payment¹
36 months	8.340%	$472.40
48 months	8.490%	$369.65
60 months	8.740%	$309.49

Model Years 2016 & Older (max LTV 70%)

Credit Score 740 or Above

Comparison table of Credit Score 740 or Above (MY4)
Loan Term	APR¹	Monthly Payment¹
36 months	8.840%	$475.88

Credit Score 700 to 739

Comparison table of Credit Score 700 to 739 (MY4)
Loan Term	APR¹	Monthly Payment¹
36 months	9.340%	$469.37

Credit Score 660 to 699

Comparison table of Credit Score 660 to 699 (MY4)
Loan Term	APR¹	Monthly Payment¹
36 months	9.840%	$482.88

1. Annual Percentage Rates (APRs) shown are for Purchases ONLY, include only interest and do not contain other costs, fees and payments based on a loan amount of $15,000.00. Rates effective 09/11/2024.

2. Rates include a .25% discount for automatic payment from a First Federal deposit account. If automatic payment from a First Federal deposit account is not selected, increase quoted rate by .25%. If the automatic payment option is cancelled during the life of the loan, the rate will subsequently increase by .25%.

3. Purchase: Dealer transaction LTV based on Cash Sales Price (CSP) less any rebates. Private Party transaction LTV based on lower of low Kelley Blue Book or Cash Sales Price.

4. Credit score obtained internally through Equifax.

5. Vehicles with mileage over 120,000 or with restructured titles are not eligible for financing.

Motorcycles, ATVs, Personal Watercraft

Comparison table of Motorcycles, ATVs, Personal Watercraft
Details	Rate	APR	LTV	Maximum Term	Fee	Monthly Payment
New	10.000%	10.010%	80%	60 months	NA	$318.71
Used	10.500%	10.510%	80%	36 months	NA	$487.54

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Loan Rates

Home Loans

Jumbo Home Loan Rates

Manufactured Home Loan Rates

Home Equity Loan Rates

Fixed Rate Loans

Home Equity Line Of Credit (HELOC)

Auto Loan Rates

Model Years 2025-2023 (max LTV 100%)

Credit Score 740 or Above

Credit Score 700 to 739

Credit Score 660 to 699

Model Years 2022-2020 (max LTV 100%)

Credit Score 740 or Above

Credit Score 700 to 739

Credit Score 660 to 699

Model Years 2019-2017 (max LTV 80%)

Credit Score 740 or Above

Credit Score 700 to 739

Credit Score 660 to 699

Model Years 2016 & Older (max LTV 70%)

Credit Score 740 or Above

Credit Score 700 to 739

Credit Score 660 to 699

Motorcycles, ATVs, Personal Watercraft