Rates listed above apply to conventional mortgages only. Please contact the Bank for further details.
Mortgage Rates
Effective: 07/10/2024
Type - LTV 80% or less | |||
Purchase & Construction | Annual Percentage Rate1, 4 | Term2 | Monthly Payment per Thousand3 |
Fixed Rates4 | 6.750% | 120 Months | $11.48 |
6.875% | 180 Months | $8.92 | |
7.000% | 240 Months | $7.75 | |
7.375% | 360 Months | $6.91 | |
2Terms are available to the stated number of months.
3Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available and does not include insurance or tax escrow.
4Add 50 basis points for mixed use (residential/farm/business).
*Other terms and conditions may apply.
Type - LTV 81% to 90% (No Private Mortgage Insurance required) | |||
Purchase | Annual Percentage Rate1, 4 | Term2 | Monthly Payment per Thousand3 |
Fixed Rates4 | 7.000% | 120 Months | $11.61 |
7.125% | 180 Months | $9.06 | |
7.250% | 240 Months | $7.90 | |
7.500% | 360 Months | $6.99 |
2Terms are available to the stated number of months.
3Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available and does not include insurance or tax escrow.
4Add 50 basis points for mixed use (residential/farm/business).
*Other terms and conditions may apply.
Type - LTV 80% or less | |||
Purchase & Construction | Annual Percentage Rate1, 4 | Term (in months)2 | Monthly Payment Per Thousand3 |
3/1 ARM5 | 6.125% | up to 360 Months | $6.08 |
5/1 ARM6 | 6.375% | up to 360 Months | $6.24 |
7/1 ARM7 | 6.500% | up to 360 Months | $6.32 |
2Terms are available to the stated number of months.
3Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available and does not include insurance or tax escrow.
4Add 50 basis points for mixed use (residential/farm/business).
5Interest rate is fixed for 3 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 3 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
6Interest rate is fixed for 5 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 5 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
7Interest rate is fixed for 7 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 10 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
*Other terms and conditions may apply.
Type - LTV 81% to 90% (No Private Mortgage Insurance Required) | |||
Purchase | Annual Percentage Rate1, 4 | Term (in months)2 | Monthly Payment Per Thousand3 |
3/1 ARM5 | 6.375% | up to 360 Months | $6.24 |
5/1 ARM6 | 6.625% | up to 360 Months | $6.40 |
7/1 ARM7 | 6.750% | up to 360 Months | $6.49 |
2Terms are available to the stated number of months.
3Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available and does not include insurance or tax escrow.
4Add 50 basis points for mixed use (residential/farm/business).
5Interest rate is fixed for 3 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 3 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
6Interest rate is fixed for 5 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 5 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
7Interest rate is fixed for 7 years and will then change every 12 months thereafter. The rate is based on an index, the weekly average yield on US Treasury Bill - 10 years, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
*Other terms and conditions may apply.
Type | Annual Percentage Rate | Term2 | Monthly Payment per Thousand3 |
Unimproved Real Estate | 9.000% | up to 180 Months | $10.14 |
Unimproved Real Estate | 9.125% | up to 240 Months | $9.08 |
Home Equity Loan | 8.000% | up to 60 Months | $20.28 |
Home Equity Loan | 8.250% | up to 120 Months | $12.27 |
Home Equity Loan | 8.500% | up to 180 Months | $9.85 |
Fixed Rate HELOC 5/108 | 8.750% | $12.53 | |
Fixed Rate HELOC 1/159 | 8.750% | $9.99 | |
Variable Rate HELOC 10/1510 | 8.500% | $9.85 |
3Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available and does not include insurance or tax escrow.
8Term: 5 year draw 10 year repayment.
9Term: 1 year draw 15 year repayment.
10Term: 10 year draw 15 year repayment, variable rate and therefore rate may increase. Interest rate is based on the Wall Street Journal Prime Rate.
*Other terms and conditions may apply.
Consumer Loan Rates
Effective: 07/10/2024
Type | Annual Percentage Rate11 |
Check Loan | 15.900% |
Type | Annual Percentage Rate |
All loans up to $3,500 Secured or Unsecured | 15.900% |
Type | Annual Percentage Rate1 | Term2 | Monthly Payment per Thousand3 |
Installment | 11.750% | 48 months | $26.21 |
Time/Demand | 11.750% | Not to exceed 12 months | $88.73 |
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.
*Automatic Charge for above loans-deduct 1% for automatic withdrawal from a Jeff Bank account.
*Other terms and conditions may apply.
Type | Annual Percentage Rate1 | Term2 | Monthly Payment per Thousand3 |
New 2023-2024 | 7.250% | 60 months | $19.92 |
Used 2022-2023 | 7.500% | 60 months | $20.04 |
Used 2020-2021 | 8.250% | 48 months | $24.53 |
Used 2016-2019 | 9.250% | 36 months | $31.92 |
New RV | 9.000% | 120 months | $12.67 |
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.
*Automatic Charge for above loans-deduct ¼% for automatic withdrawal from a Jeff Bank account.
*Other terms and conditions may apply.
Type | Annual Percentage Rate1 | Term2 | Monthly Payment per Thousand3 |
New 2023-2024 | 8.000% | 60 months | $20.28 |
Used 2022-2023 | 8.500% | 48 months | $24.65 |
Used 2020-2021 | 9.500% | 36 months | $32.03 |
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.
*Automatic Charge for above loans-deduct ¼% for automatic withdrawal from a Jeff Bank account.
*Other terms and conditions may apply.
Type | Annual Percentage Rate1 | Term2 | Monthly Payment per Thousand3 |
New 2023-2024 | 9.000% | 180 months 80% LTV | $10.14 |
New 2023-2024 | 8.750% | 120 months 90% LTV | $12.53 |
New 2023-2024 | 8.000% | 120 months 80% LTV | $12.13 |
Used 2006-2009 | 10.000% | 60 months | $21.25 |
Used 2010-2014 | 9.500% | 72 months | $18.27 |
Used 2015-2019 | 9.000% | 84 months | $16.09 |
Used 2020-2023 | 8.750% | 120 months | $12.53 |
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.
*Automatic Charge for above loans-deduct ¼% for automatic withdrawal from a Jeff Bank account.
*Other terms and conditions may apply.
Type | Annual Percentage Rate1 | Term2 | Monthly Payment per Thousand3 |
New | 9.500% | 60 months | $21.00 |
2Terms are available to the stated maximum number of months.
3 Payment is calculated per $1,000 borrowed at annual percentage rate and longest term available.
*Automatic Charge for above loans-deduct ¼% for automatic withdrawal from a Jeff Bank account.
*Other terms and conditions may apply.
Type | Term2 | |
CD | Up to 60 months | CD Rate + 3.000% |
Listed Stock - Variable Rate | Up to 60 months | Prime |
*Other terms and conditions may apply.