Loan Rates

Residential Real Estate
  Term APR
15 Year Fixed 15 year, 20% down

4.250%
20 Year Fixed * 10%-20% down 4.500%
10 Year Balloon/30 year amortization * 10%-20% down 4.375%
3 Year ARM

25 year amortization, 20% down

 4.000%
5 Year ARM

25 year amortization, 20% down

 4.000%
7 Year ARM 25 year amortization, 20% down 4.250%
7 Year ARM - 1st Time Home Buyer

25 year amortization, 10% down

 4.375%
Construction 6 months, 30% down 6.000%

Bare Ground (Construction)
15 Year Fixed 15 year, 35% down 4.750%
5 Year ARM 25 year amortization, 35% down 4.000%
Investment Properties
  Term APR
12 Year Fixed 12 year, 35% down 6.500%
3 Year ARM 15 year amortization, 35% down 5.500%
Other Loans
  Term APR
Residential Second Mortgage 10 year fixed, 80% maximum LTV 6.250%
Beacon Platinum Home Equity LOC 10 year ARM, 80% maximum LTV 4.500%
Unsecured Personal up to 36 months maximum term by quote
Motorcycles/Recreational Vehicles up to 60 months maximum term by quote
New and Used Auto Loans up to 72 months maximum term by quote
Agricultural Loans
  Term APR
15 Year Fixed 15 year, 65% maximumLTV 4.750%
15 Year Fixed Balloon

25 year amortization, 65% maximum LTV

5.250%
Farm Operation Line of Credit

1 yr. fixed

4.250%
Farm Equipment

2 - 7 yr. fixed

 4.250%
5 Year ARM 25 year amortization, 65% maximum LTV 4.000%
Commercial Loans
  Term APR
15 Year Fixed 15 year, 70% maximum LTV 6.375%
Commercial Line of Credit 1 yr. fixed 6.000%
2 - 7 Year Fixed 2-7 yr. fixed 6.000%
10 Year Fixed Balloon 25 year amortization, 70% maximum LTV 6.000%
3 Year ARM (WSJ Prime) 25 year amortization, 70% maximum LTV 5.250%

* Rates subject to change without notice. APR - Annual Percentage Rate. The Interest Rates for Adjustable Rate Mortgage (ARM) may increase after consummation. LTV - Loan to Value. *PMI Qualifications must be met for less than 20% down.

Rates effective 02/14/2012.

For more information contact us today. Call (800) 762-3136.