Rates

Loans

*APR (Annual Percentage Rate) - Actual APR will be based upon credit qualifications, loan amount, term, and applicable prepaid items. Subject to credit approval. Some restrictions apply. Promotional rates apply to new money loans. All rates, except credit cards and lines of credit, are quoted with .50% discount for any new loan with a checking account relationship that has direct deposit, and automatic payment for new loan. A new vehicle sample monthly loan payment based on $30,000 at 5.54% APR for 72 months is $491.25 (without payment protection). A used vehicle sample monthly payment based on $15,000 at 4.92% APR for 36 months is $449.57 (without payment protection).

(1) Fixed Home Equity Loans are available for primary residences located in Nebraska or Pottawattamie County in Iowa. Applicants will be responsible for cost of appraisal, if required. Property insurance is required. Consult your tax advisor for deductibility of interest. A sample monthly loan payment based on $50,000 at 7.05% APR for 120 months is $583.48 (without payment protection).

(2) Home Equity Lines (HELOC's) are available for primary residences located in Nebraska or Pottawattamie County in Iowa. Applicants will be responsible for cost of appraisal, if required. Property insurance is required. Consult your tax advisor for deductibility of interest. All HELOC's are variable-rate products and the APR, payment, or term may change. For new lines, the APR is fixed for the first six months, then converts to the Wall Street Journal Prime. The APR will change semi-annually on January 1 and July 1 thereafter. The APR for 80% CLTV is Prime rate +0%; 90% CLTV is Prime +1.0%; 100% CLTV is Prime +1.5%. The maximum rate is 16%. The minimum floor rate after the initial 6 month, if applicable, ranges from 4.25%-8.00%, depending on the CLTV and credit score. For Loan lines up to $100,000, closings costs typically range between $225 and $900. The closing costs depend on the location of the property and the amount of the equity line. Interest is charged from the date of the loan advance and is calculated based on the balance owed each day.

(3)The VISA Credit Card has a 25 day grace period for purchase balances if paid off in full each month. The APR is a variable rate and applies to purchases, balance transfers, and convenience checks. Platinum rate is based on prime plus 7.7%. Classic rate is based on prime plus 10.7%. Interest is charged based on the average daily balance. A complete list of the VISA Terms and Conditions is available upon request.

(4) The Overdraft Line of Credit requires repayment terms of 3-5% of the outstanding balance at the end of the statement cycle or $25, whichever is greater. All payments are set up for automatic deduction from the share draft checking account on the 30th day of the month. Interest is charged from the date of the loan advance and is calculated based on the balance owed each day. The APR is a fixed rate based on the type of line set up. Subject to credit qualification and some restrictions apply.