Personal Banking

Residential Real Estate Loan Rates Remain Very Attactive!

Residential real estate mortgage rates valid as of Friday, May 20, 2016

Rates are subject to change without notice

30 Year Mortgage
Rate  3.625%
APR  3.708%

20 Year Mortgage
Rate 3.375%
APR 3.49%

15 Year Mortgage
Rate 2.75%
APR 2.86%

10 Year Mortgage
Rate   2.75%
APR   2.91%

30 yrs.   $456.05
20 yrs.   $573.56
15 yrs.   $678.62
10 yrs.   $954.11

$100,000 Loan size


  • 740 or higher median credit score
  • 80% loan to value
  • Owner occupied existing residence
  • Purchase transaction
  • Rate lock period 60 days

Our rates and APRs assume a conventional loan for the purpose of purchasing a single-family home to be used as a primary residence, that the loan amount to property value ratio (LTV) is 80%, that the rate lock period is 60 days, and that the property is within Sangamon County, Illinois.  Rates and APRs may vary based on several factors, including credit score, loan purpose, and LTV.

Loan request are subject to approval