Loan Rates

*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $5,000 personal loan with a term of 48 months at 9.99% APR, the monthly payment will be $126.79.

*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 auto loan with a term of 60 months at 4.24% APR, the monthly payment will be $370.50.

*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 auto loan with a term of 60 months at 4.24% APR, the monthly payment will be $370.50.

*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 auto loan with a term of 60 months at 4.24% APR, the monthly payment will be $370.50.

1 - Annual Percentage Rate (APR) is based on your creditworthiness when account is opened. This APR will vary with the market based on the Prime Rate. Subject to credit approval.

2 - A VISA Secured credit card is used to establish or re-build your credit history.  This card can be converted to a Signature Rewards card with an approved application. This credit card is accepted worldwide where VISA is accepted. 

Rates posted are indications only and are subject to change without notice. Your actual rate may be different, as many factors go into providing you with a mortgage loan. Rates shown are based on loan amounts of $200,000 and are not intended to be a commitment to the loan type or amount for which you may qualify.  Taxes and insurance not included in payment examples; actual payment obligation will be higher. For jumbo rates you may contact us directly at 865-482-1043

 

*Rates subject to change with out notice.

1. After the six-month introductory period the rate will revert to the floor rate of 3.99% or the Prime Rate as published in the Wall Street Journal plus or minus a margin whichever is higher. Your actual rate will be based upon your credit worthiness and loan-to-value. As of April 1, 2020 the variable rate would be 3.99% APR (floor). The APR will not vary above 18% APR nor below 3.99% APR. Prime rate as of 3/17/2020 is 3.25%. Interest only HELOCKs have higher rates. Offer only applies to new Home Equity Lines of Credit opened on or after 4/17/2017. Existing Home Equity Lines of Credit are not eligible for the introductory rate. Closing costs range between $300-$3,800. Consult a tax advisor regarding deductibility of interest and fees.
2. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.
3. Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.
4. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE:  If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.0%.  During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.

*Rates subject to change with out notice.

1. After the six-month introductory period the rate will revert to the floor rate of 3.99% or the Prime Rate as published in the Wall Street Journal plus or minus a margin whichever is higher. Your actual rate will be based upon your credit worthiness and loan-to-value. As of April 1, 2020 the variable rate would be 3.99% APR (floor). The APR will not vary above 18% APR nor below 3.99% APR. Prime rate as of 3/17/2020 is 3.25%. Interest only HELOCKs have higher rates. Offer only applies to new Home Equity Lines of Credit opened on or after 4/17/2017. Existing Home Equity Lines of Credit are not eligible for the introductory rate. Closing costs range between $300-$3,800. Consult a tax advisor regarding deductibility of interest and fees.
2. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.
3. Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.
4. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE:  If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.0%.  During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.

*Rates subject to change with out notice. Rates effective April 1, 2020.

1. After the six-month introductory period the rate will revert to a variable rate or the Prime Rate as published in the Wall Street Journal plus or minus a margin whichever is higher. Your actual rate will be based upon your credit worthiness and loan-to-value. As of April 1, 2020 the variable rate would be 3.99% APR (floor). The APR will not vary above 18% APR nor below 3.99% APR. Prime rate as of 3/17/2020 is 3.25%. Interest only HELOCKs have higher rates. Borrowers with credit scores of 620 or above are eligible for the interest only option. Offer only applies to new Home Equity Lines of Credit opened on or after 4/17/2017. Existing Home Equity Lines of Credit are not eligible for the introductory rate. Closing costs range between $300-$3,800. Consult a tax advisor regarding deductibility of interest and fees.
2. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.
3. Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.
4. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE:  If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.0%.  During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.

*Rates subject to change with out notice. Effective April 1, 2020.

1. After the six-month introductory period the rate will revert to a variable rate or the Prime Rate as published in the Wall Street Journal plus or minus a margin whichever is higher. Your actual rate will be based upon your credit worthiness and loan-to-value. As of April 1, 2020 the variable rate would be 4.25% APR. The APR will not vary above 18% APR nor below 3.99% APR. Prime rate as of 3/17/2020 is 3.25%. Interest only HELOCKs have higher rates. Borrowers with credit scores of 620 or above are eligible for the interest only option. Offer only applies to new Home Equity Lines of Credit opened on or after 4/17/2017. Existing Home Equity Lines of Credit are not eligible for the introductory rate. Closing costs range between $300-$3,800. Consult a tax advisor regarding deductibility of interest and fees.
2. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option.
3. Lock-in feature allows up to five fixed-rate amounts at any one time. Monthly payment for fixed-rate is based on payment per $1,000 for term and rate shown above. First rate lock is free; $35.00 for each additional. Minimum fixed-rate loan amount is $5,000.
4. VPR is Variable Periodic Rate. VPR is subject to change monthly. Your rate may vary based on your creditworthiness, loan to value ratio and repayment option. Minimum line of credit amount is $10,000. If a balance remains on the line of credit at the maturity of the 20 year mortgage, a balloon payment may result. MINIMUM PAYMENT EXAMPLE:  If you made only the minimum monthly payment and took no other credit advances it would take 20 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 4.0%.  During that period, you would make 120 payments of $30.68 to $33.97, followed by 119 payments of $41.79 to $125.00 and a final balloon payment of $3,354.77.