Loan Rates

Mortgage Rates

Effective: 03/25/2020

Current Offers - LTV 80% or less

Current Offers

TypeAnnual Percentage Rate11Term2Monthly Payment per Thousand3
Fixed Rates3.250%120 Months$9.77
3.500%180 Months$7.15
3.750%240 Months$5.93
Fixed Rate HELOC 1/15121.990%$8.30
Fixed Rate HELOC 3/10132.990%$10.85
Fixed Rate HELOC 3/15142.990%$8.30
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.
11Annual Percentage Rates are determined by an individual's median credit score as provided by Equifax, TransUnion, and Experian, and are subject to change. Loans are subject to application and approval. Rates assume the median credit scores for all borrowers of "700" or higher. Closing costs are not waived.
12Term: 1 year draw 15 year repayment. Introductory fixed rate of 1.990% available for the first year (12 months) during the draw
period after closing and will revert to a 5.750% fixed rate during the repayment period of 15 years (180 months).
13Term: 3 year draw 10 year repayment. Introductory fixed rate of 2.990% available for the first three years (36 months) during the draw period after closing and will revert to a 5.500% fixed rate during the repayment period of 10 years (120 months).
14Term: 3 year draw 15 year repayment. Introductory fixed rate of 2.990% available for the first three years (36 months) during the draw period after closing and will revert to a 5.750% fixed rate during the repayment period of 15 years (180 months).

*Other terms and conditions may apply.
Fixed Mortgage Rates - LTV 80% or less

Fixed Mortgage Rates - LTV 80% or less

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
Fixed Rates4.125%120 Months$10.18
4.250%180 Months$7.52
4.500%240 Months$6.33
4.950%360 Months$5.34
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.

*Other terms and conditions may apply.
Fixed Mortgage Rates - LTV 81% to 90% - No PMI Required

Fixed Mortgage Rates - LTV 81% to 90% - No PMI Required

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
Fixed Rates4.375%120 Months$10.30
4.500%180 Months$7.65
4.750%240 Months$6.46
5.200%360 Months$5.49
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.

*Other terms and conditions may apply.
Adjustable Rate Mortgages - LTV 80% or less

Adjustable Rate Mortgages - LTV 80% or less

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
3/1 ARM53.125%up to 360 Months$4.28
5/1 ARM63.375%up to 360 Months$4.42
7/1 ARM73.625%up to 360 Months$4.56
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.
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.
Adjustable Rate Mortgages - LTV 81% to 90% - No PMI Required

Adjustable Rate Mortgages - LTV 81% to 90% - No PMI Required

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
3/1 ARM53.375%up to 360 Months$4.42
5/1 ARM63.625%up to 360 Months$4.56
7/1 ARM73.875%up to 360 Months$4.70
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.
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.
Other Types of Mortgages

Other Types of Mortgages

TypeAnnual Percentage RateTerm2Monthly Payment per Thousand3
Unimproved Real Estate7.000%up to 180 Months$8.99
Unimproved Real Estate7.250%up to 240 Months$7.90
Agriculture/Multi-Use Property5.750%up to 240 Months$7.02
Home Equity Loan5.000%up to 120 Months$10.61
Home Equity Loan5.250%up to 180 Months$8.04
Home Equity Loan5.500%up to 240 Months$6.88
Fixed Rate HELOC 5/1085.250%$10.73
Fixed Rate HELOC 1/1595.250%$8.04
Variable Rate HELOC 10/15104.000%$7.40
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.
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: 03/25/2020

Check Loan

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.
All Secured/Unsecured Loans Up to $2,500

All Secured/Unsecured Loans Up to $2,500

TypeAnnual Percentage Rate
All loans up to $2,500
Secured or Unsecured
15.900%
*Other terms and conditions may apply.
Unsecured
TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
Installment9.250%48 months$25.00
Time/Demand9.250%Not to exceed 12 months$87.57
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

Auto / RV / Motorcycle / Boat

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 2019-20204.750%60 months$18.76
Used 2018-20195.000%60 months$18.87
Used 2016-20176.000%48 months$23.49
Used 2012-20157.000%36 months$30.88
New RV8.000%120 months$12.13
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

ATV / Snowmobile

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 2019-20208.250%60 months$20.40
Used 2018-20199.250%48 months$25.00
Used 2016-201710.250%36 months$32.38
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 Homes

Mobile Homes

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New 2019-20207.000%180 months 80% LTV$8.99
New 2019-20206.750%120 months 90% LTV$11.48
New 2018-20196.500%120 months 80% LTV$11.35
Used 2002-20059.250%48 months$25.00
Used 2006-20108.750%60 months$20.64
Used 2011-20158.250%84 months$15.71
Used 2016-20198.000%120 months$12.13
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

Other Retail / Consumer Goods

TypeAnnual Percentage Rate1Term2Monthly Payment per Thousand3
New9.000%60 months$20.76
Used9.250%48 months$25.00
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.
Liquid Collateral

Liquid Collateral

TypeTerm2 
CDUp to 60 monthsCD Rate + 3.000%
Listed Stock - Variable RateUp to 60 monthsPrime
2Terms are available to the stated maximum number of months.


*Other terms and conditions may apply.

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