Loan Rates

Signature Loan

APR*

as low as 12.49% Fixed
Ultra Loan

APR*

as low as 13.99% Fixed
Access Line Of Credit

APR*

as low as 16.24% Variable
Share Secured - Installment Loan

APR*

2.00% above share rate to nearest .25% Variable

*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.

Auto Loan 2017-2024

Fixed APR*

as low as 7.74%
Auto Loan 2010-2016

Fixed APR*

as low as 8.49%

*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 7.74% APR, the monthly payment will be $404.37.

2018-2024

Fixed APR*

as low as 7.99%
2010-2017

Fixed APR*

as low as 8.74%

*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 loan with a term of 60 months at 7.99% APR, the monthly payment will be $406.81.

2018-2024

Fixed APR*

as low as 8.99%
2010-2017

Fixed APR*

as low as 9.74%

*APR is Annual Percentage Rate. Rates subject to change without notice and is based on creditworthiness. Payment example: For a $20,000 loan with a term of 60 months at 8.99% APR, the monthly payment will be $416.65.

VISA Signature Rewards

Credit Card Rates

Annual Percentage Rate¹ for Purchases

16.74% to 18.00%

Earn Loyalty Rewards

Yes

No Annual Fee

Yes

No Balance Transfer Fee

Yes

25 Day Grace Period on New Purchases

Yes

Make Payments with Digital Banking

Yes

Set up Auto Payments

Yes

Manage your Account Online

Yes
VISA Traditional

Credit Card Rates

Annual Percentage Rate¹ for Purchases

14.24% to 18.00%

Earn Loyalty Rewards

No

No Annual Fee

Yes

No Balance Transfer Fee

Yes

25 Day Grace Period on New Purchases

Yes

Make Payments with Digital Banking

Yes

Set up Auto Payments

Yes

Manage your Account Online

Yes
VISA Secured ²

Credit Card Rates

Annual Percentage Rate¹ for Purchases

18.00%

Earn Loyalty Rewards

No

No Annual Fee

Yes

No Balance Transfer Fee

Yes

25 Day Grace Period on New Purchases

Yes

Make Payments with Digital Banking

Yes

Set up Auto Payments

Yes

Manage your Account Online

Yes

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.

30-Year Fixed Mortgage

Interest Rate

7.250%

Annual Percentage Rate (APR)

7.376%

Origination Fee

1.00%
15/15 30-Year Adjustable Rate Mortgage

Interest Rate

7.125%

Annual Percentage Rate (APR)

7.256%

Origination Fee

1.00%
5/5 30-Year Adjustable Rate Mortgage

Interest Rate

7.250%

Annual Percentage Rate (APR)

7.383%

Origination Fee

1.00%
15-Year Fixed

Interest Rate

6.875%

Annual Percentage Rate (APR)

7.084%

Origination Fee

1.00%
10-Year Fixed

Interest Rate

6.625%

Annual Percentage Rate (APR)

6.914%

Origination Fee

1.00%
USDA

Interest Rate

7.875%

Annual Percentage Rate (APR)

8.016%

Origination Fee

1.00%

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

Fixed Rate
We offer fixed rate for terms from 10-30 years.

10-Year Fixed Payment example: A 10-Year Fixed loan of $200,000 for 10 years at 6.625% interest and 6.914% APR will have a monthly payment of $2,313.31.
15-Year Fixed Payment example: A 15-Year Fixed loan of $200,000 for 15 years at 6.875% interest and 7.084% APR will have a monthly payment of $1,807.06.
30-Year Fixed Payment example: A 30-Year Mortgage loan of $200,000 for 30 years at interest and APR will have a monthly payment of .

Adjustable-Rate Mortgage 15/15
Adjustable-Rate Mortgage (ARM) is variable and your rate may increase after the original rate period. The adjustable rate mortgage is tied to the 10-Year CMT index. Adjustable rates cannot change more than 6% at the adjustment period and cannot adjust more than 6% over the life of the loan.

Payment example: A 15/15 30-Year Adjustable Rate Mortgage of $200,000 for 30 years at 7.125% interest and 7.256% APR will have a monthly payment of $1,365.17.

Adjustable-Rate Mortgage 5/5
Adjustable-Rate Mortgage (ARM) is variable and your rate may increase after the original rate period. The adjustable rate mortgage is tied to the 10-Year CMT index. Adjustable rates cannot change more than 2% at the adjustment period and cannot adjust more than 5% over the life of the loan.

Payment example: A 5/5 30-Year loan of $200,000 for 30 years at 7.250% interest and 7.383% APR will have a monthly payment of $1,382.44.

USDA
Borrower must demonstrate requirements for income eligibility with property being located in a rural eligible area. No down payment for qualified borrowers. Loan amount may include the guaranteed fee. All USDA loan terms are for 30 years.

Payment example: A USDA loan of $200,000 for 30 years at 7.875% interest and 8.016% APR will have a monthly payment of $1,469.76

Jumbo Mortgage
Loan amounts over $647,201 may qualify for a jumbo product from our portfolio line. Products offered are 15/15 ARM and 5/5 ARM. Jumbo Loans are allowed to go up to 90%. We offer competitive rates with local underwriting adding a .50bp for origination fee. Loan qualifications begin with a minimum beacon score of 700.

Payment example: A 15/15 Jumbo Mortgage of $647,201 for 30 years at interest and APR will have a monthly payment of .

Additional Information
We offer no Private Mortgage Insurance (PMI) on some mortgage products, and unimproved land loans. We now offer referral options for VA and FHA products. For more information on how these products may benefit you, please contact one of our Home Lending Advisors who will assist you in determining the right product for your needs.

1^st Lien Position

60 Months

APR¹ (as low as)           6.49%
Monthly Payment²     $19.56

120 Months

APR¹ (as low as)           6.99%
Monthly Payment²     $11.61

180 Months

APR¹ (as low as)           7.24%
Monthly Payment²     $9.12

240 Months

APR¹ (as low as)           7.74%
Monthly Payment²     $8.20
2^nd Lien Position

60 Months

APR¹ (as low as)           7.24%
Monthly Payment²     $19.91

120 Months

APR¹ (as low as)           7.74%
Monthly Payment²     $12.00

180 Months

APR¹ (as low as)           7.99%
Monthly Payment²     $9.55

240 Months

APR¹ (as low as)           8.49%
Monthly Payment²     $8.67

*Rates subject to change with out notice.

1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option. As of August 20, 2023, the prime rate was 8.50% and the lowest variable rate available was 8.25% APR. The APR will not vary above 18.00% APR nor below 3.99% APR. Interest only HELOCKs have higher rates. Consult a tax advisor regarding deductibility of interest and fees.
2. 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.
3. 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 4.00%. 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.

Variable, Revolving

APR¹ (as low as)

8.25%

VPR³ (as low as)

Prime – 0.50%

Monthly Payment²

Minimum $25 or 1.25% of the principal balance as of the time of the draw, whichever is greater

*Rates subject to change with out notice.

Variable, Revolving

APR¹ (as low as)

8.75%

VPR³ (as low as)

Prime + 0.50%

Monthly Payment²

Monthly payment is the interest accrued.

*Rates subject to change with out notice.

1. APR is Annual Percentage Rate. Your rate may vary based on your creditworthiness, loan-to-value ratio and repayment option. As of August 20, 2023, the prime rate was 8.50% and the lowest variable rate available was 8.50% APR. The APR will not vary above 18.00% APR nor below 3.99% APR. Interest only HELOCKs have higher rates. Consult a tax advisor regarding deductibility of interest and fees.
2. 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.
3. 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 4.00%. 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.

Calculators

How we use cookies

Loan Rates

Signature Loan

Ultra Loan

Access Line Of Credit

Share Secured - Installment Loan

Auto Loan 2017-2024

Auto Loan 2010-2016

2018-2024

2010-2017

2018-2024

2010-2017

VISA Signature Rewards

VISA Traditional

VISA Secured 2

30-Year Fixed Mortgage

15/15 30-Year Adjustable Rate Mortgage

5/5 30-Year Adjustable Rate Mortgage

15-Year Fixed

10-Year Fixed

USDA

1st Lien Position

2nd Lien Position

Variable, Revolving

Variable, Revolving

VISA Secured ²

1^st Lien Position

2^nd Lien Position