Mortgage Rates

Effective: 02/10/2016

Residential Mortgages - Purchase / Refinance / Construction - Loan to Value 80% or less

TypeAnnual Percentage RateTerm2Monthly Payment per Thousand3
Fixed Rates14.000%120 Months$10.12
 4.125%180 Months$7.46
 4.875%240 Months$6.53
 5.500%360 Months$5.68
1/1 ARM1, 42.875%up to 360 Months$4.15
3/1 ARM1, 53.000%up to 360 Months$4.22
5/1 ARM1, 63.375%up to 360 Months$4.42
7/1 ARM1, 73.625%up to 360 Months$4.56
Unimproved Real Estate7.000%up to 180 months$8.99
Unimproved Real Estate7.250%up to 240 Months$7.90
Agriculture or Multi-use Property6.000%up to 240 Months$7.16
Fixed Rate HELOC1, 85.750% $10.98
Fixed Rate HELOC1, 95.500% $8.17
Variable Rate HELOC1, 104.500% $7.65
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
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.
4Interest Rate will change annually. The rate is based on an index, the weekly average yield on US Treasury Bill - 1 year, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
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.
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.

Residential Mortgages - Purchase / Refinance / Construction - Loan to Value 81% to 90%

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
Fixed Rates4.250%120 Months$10.24
 4.500%180 Months$7.65
 5.250%240 Months$6.74
1/1 ARM43.375%up to 360 Months$4.42
3/1 ARM53.500%up to 360 Months$4.49
5/1 ARM63.875%up to 360 Months$4.70
7/1 ARM74.125%up to 360 Months$4.85
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
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.
4Interest Rate will change annually. The rate is based on an index, the weekly average yield on US Treasury Bill - 1 year, plus a margin. The interest rate will never increase more than 6 percentage points over the term of the loan.
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.
8Term: 5 year draw 10 year repayment.
9Term: 1 year draw 15 year repayment.


*Other terms and conditions may apply.

Consumer Loan Rates

Effective: 02/10/2016

Check Loan

TypeAnnual Percentage Rate11
Check Loan15.900%
11Check Loan is activated by an overdraft in the checking account. Interest is charged on active principal balances only. All applications will require a comprehensive review. All Check Loan customers must maintain a checking account at Jeff Bank.

*Other terms and conditions may apply.

Unsecured

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand
Installment10.250%48 months$25.48
Time/Demand10.250%Not to exceed 12 months$88.03
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
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.

*A/C for above loans-deduct 1% for automatic withdrawal from account.
*Other terms and conditions may apply.

Auto / RV / Motorcycle / Boat

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 2015-20164.000%60 months$18.42
Used 2014-20154.500%60 months$18.64
Used 2012-20135.500%48 months$23.26
Used 2008-20116.500%36 months$30.65
New RV7.500%120 months$11.87
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
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.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.

ATV / Snowmobile

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 2015-20168.000%60 months$20.28
Used 2014-20159.000%48 months$24.89
Used 2012-201310.500%36 months$32.50
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
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.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.

Mobile Home

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 2015-20166.750%180 months 80% LTV$8.85
New 2015-20166.500%120 months 90% LTV$11.35
New 2015-20166.250%120 months 80% LTV$11.23
Used 1998-20019.000%48 months$24.89
Used 2002-20068.500%60 months$20.52
Used 2007-20118.000%84 months$15.59
Used 2012-20157.750%120 months$12.00
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
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.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.

Other Retail / Consumer Goods

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New10.000%60 months$21.25
Used10.250%48 months$25.48
1Annual Percentage Rates are determined by an individual's average credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the average credit scores for all borrowers of "750" or higher.
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.

*A/C for above loans-deduct ¼% for automatic withdrawal from account.
*Other terms and conditions may apply.

Liquid Collateral

TypeAnnual Percentage RateTerm2Monthly Payment per Thousand3
CD/Savings3.000%Up to 12 months$84.69
CD/Savings 3.500%13 months to 60 months$18.19
Listed Stock4.000%Up to 60 months$18.42
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.

*Other terms and conditions may apply.