Rates

Get Lower Numbers and Higher Returns

Our service is undoubtedly the most personal and professional you can find, but at some point it’s about the rates, right? Highpoint Community Bank gives you access to highly competitive rates, which can mean lower monthly payments and quicker payoffs.

For an estimate of current rates, take a look at the sampling below. Contact a lender today to review loan programs and interest rates for your specific needs!

 

Rates as of 01/18/2022
PRODUCT Rate APR§ Monthly Payment

§ Annual percentage rate

1 Rates are not binding and subject to change. Assumes a $100,000 loan with a 80% loan-to-value on a single-family owner occupied property. Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, and may be subject to adjustments related to property type, loan amount, loan-to-value, credit score and other variables. Payments do not include property taxes or insurance. For loans with less than 20% down payment, borrower-paid private mortgage insurance may apply. 15, 20 and 30 year fixed rates are based on a 30-day lock, 15 year fixed - biweekly and 7 year balloon rates are based on a 45-day lock. All offers subject to credit approval. Other terms, conditions, restrictions, and fees may apply.


2 Requires a full payment every two weeks. Payment amount does not reflect a monthly payment.


3 Rates are not binding and subject to change. Annual percentage rate is based on credit score and may behigher based on individual credit history. Assumes an $50,000 loan with a 80% total loan-to-value on a single-family owner occupied property. Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purposes only, and may be subject to adjustments related to loan-to-value and other variables. Payments do not include property taxes or insurance. Payments must be automatically deducted from a Hastings City Bank account. No prepayment penalty. All offers subject to credit approval. Other terms, conditions, restrictions and fees may apply.


4 Rates are not binding and subject to change based on credit score and may be higher based on individual credit history. Based on the prime rate as of 06/15/2018 of 5.00%. Payments do not include property taxes and insurance. Payments are interest only over a 10 year term. Making only the minimum periodic payment may result in an outstanding balance at maturity. There is no prepayment penalty. The minimum rate on this loan is 5.00%. The maximum APR is 25.00%. Payment assumes a $50,000 fully-disbursed line of credit. All offers subject to credit approval. Other terms, conditions, restrictions and fees may apply.


5 Annual percentage rate is based on credit score and may be higher based on individual credit history. Rates are subject to change. An automatic loan payment is required to obtain this rate. Processing fee is $200.00. Assumes a $25,000 loan amount. Other rates and terms available. All offers subject to credit approval. Other terms, conditions, restrictions, and fees may apply.