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Annual Percentage Rate (APR) information accurate as of 5/11/2006

Agricultural and Commercial Loan Rates [more info] APR
Variable rates (starting as low as) 8.40%
Fixed rates (starting as low as) 8.55%


Agricultural and Commercial Real Estate Loan Rates [more info] APR
Three-year fixed (maximum 25-year amortization) 7.55%
Five-year fixed (maximum 25-year amortization) 7.90%


Consumer/Personal Loan Rates [more info] APR
Installment loan rates up to $2,500 18.00%*
Installment loan rates from $2,501 to $4,999 15.00%*
Installment loan rates over $5,000. 13.00%*


Auto Loan Rates [more info] Loan Term APR
New 2006 & 2005 60 months 6.75%
Used 2004 & 2003 54 - 60 months 8.00%
Used 2002 & 2001 42 - 48 months 9.00%
Used 00 & 99 36 months 11.00%
Used 1998 & older 24 months 12.50%


Home Equity Rates [more info] Loan to Value Ratio APR
Five-year fixed 0 - 50% 7.50%
Five-year fixed 51 - 65% 8.00%
Five-year fixed 66 - 90% 8.70%


Residential Real Estate Rates [more info] APR
Three-year fixed (maximum 25-year amortization) 7.40%
Five-year fixed (maximum 25-year amortization) 7.75%


Agricultural and Commercial Leasing Rates [more info] APR
1 - 3 year fixed 9.75%
3 - 5 year fixed 10.00%
5 - 7 year fixed 11.25%


Terms and rates are quoted for monthly, quarterly, semi-annual and annual repayment periods. Two payments required up front for monthly repayment terms and one payment up front for all other repayment terms.

*A .25% rate reductions applies if your payments are made automatically from an Iowa Bank deposit account.
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