Rates

Today’s low rates could be gone tomorrow. Now is the time to purchase or refinance!

Our low mortgage rates can mean lower monthly payments and quicker payoffs.

Many factors go into determining mortgage rates. What’s your credit score? Will you live at the address or is it a rental property? Are you buying a new home or refinancing your current one? And much more.

Contact a lender today to review loan programs and interest rates for your specific needs!
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Rates as of 06/21/2022
PRODUCT Rate APR§ Points Monthly Payment
Mortgage1
30 Year Fixed 6.250% 6.423% 0.25 $615.72
30 Year Fixed with Points 6.125% 6.345% 0 $607.61
20 Year Fixed with Points 6.125% 6.384% 0 $723.66
15 Year Fixed 5.375% 5.654% 0.375 $810.47
15 Year Fixed with Points 5.250% 5.587% 0 $803.88
15 Year Fixed - Biweekly2 5.625% 5.977% 0 $406.93
10 Year Balloon/30 Year Amortization3 5.875% 6.133% $591.54

§ 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 6/16/2022 of 4.75%. Annual percentage rate (APR) is accurate as of 6/17/22 and applies to new Home Equity Lines of Credit (HELOC). Only available for borrower’s primary dwelling. The APR in effect is 4.75% with loan-to value of 80% or less in a second lien position and a credit score of 740 or above. If your credit score is lower than 740 and/or your loan-to-value is higher, your interest rate may be higher. The applicable interest rate is indexed to the Wall Street Journal (WSJ) Prime Rate and is subject to change with the WSJ Prime Rate. APR will not exceed 25%. Annual fee is $75. Customer pays $499 in closing costs for loans up to $50,000. Property insurance will be required. Additional fees may be applicable for loans over $50,000. All Heloc’s have a ten-year draw period with interest only monthly payments. Consult your tax advisor about the deductibility of interest and other costs.


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.