Rates

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CD Specials
$5,000 and over1 under $5,000 Min Open Deposit Comp Freq
Term APY2 Interest Rate APY2 Interest Rate
11 Month Special 2.52% 2.50% $5,000 Semi-Annually
CD Rates
$5,000 and over1 under $5,000 Min Open Deposit Comp Freq
Term APY2 Interest Rate APY2 Interest Rate
3-5 Months .13% .13% .08% .08% $1,000 Quarterly
6-11 Months .18% .18% .08% .08% $1,000 Semi-Annually
12-23 Months 2.01% 2.00% .12% .12% $1,000 Semi-Annually
15 Month Add-on 2.06% 2.05% .22% .22% $500 Semi-Annually
2 Year 2.27% 2.25% .27% .27% $1,000 Semi-Annually
3 Year 2.52% 2.50% .53% .53% $1,000 Semi-Annually
4 Year 2.52% 2.50% .83% .83% $1,000 Semi-Annually
5 Year 2.52% 2.50% 1.08% 1.08% $1,000 Semi-Annually
IRA CDs
Min Opening Deposit Compounding Frequency
Term APY2 Interest Rate
Floating Rate 0.03% 0.03% $5 Quarterly
1 year 2.01% 2.00% $1,000 Semi-Annually
15 month Add-On4 2.06% 2.05% $500 Semi-Annually
2 year 2.27% 2.25% $1,000 Semi-Annually
3 year 2.52% 2.50% $1,000 Semi-Annually

Funds must remain on deposit until maturity to earn the advertised yield. A penalty will be imposed for early withdrawal.

1 Opening balance of $5,000 for Annual Percentage Yield and Interest Rate for $5,000 and over
2 APY stands for Annual Percentage Yield. APY assumes funds will remain on deposit for a full year at the advertised rate.
3 There is no limit to the number of deposits made to the 15 Month Add-On CD. Each deposit must be at least $50.00.
4 There is no limit to the number of deposits made to the 15 Month Add-On IRA. Each deposit must be at least
   $0.01.

 

 
Checking and Savings Accounts
Effective: February 1, 2019
Personal Checking Rates
Checking Account APY5 Interest Rate Min Bal to Obtain APY Min to Open Comp Freq
First Classic5 0.02% 0.02% none $100 Monthly
Personal Savings Rates
Savings Account APY5 Interest Rate Min Bal to Obtain APY Min to Open Comp Freq
Regular Savings6 0.02% 0.02% none $100 Quarterly
Personal Ultra Money Market Rates
Ultra Money
Market Account		 APY5 Interest Rate Min Bal to Obtain APY Min to Open Comp Freq
$250,000 and up6 1.26% 1.25% $250,000 $100 Monthly
$150,000 - $249,9996 0.90% 0.90% $150,000 $100 Monthly
$100,000 - $149,9996 0.07% 0.07% $100,000 $100 Monthly
$50,000 - $99,9996 0.05% 0.05% $50,000 $100 Monthly
$10,000 - $49,9996 0.03% 0.03% $10,000 $100 Monthly
up to $10,0006 0.02% 0.02% none $100 Monthly

5 APY stands for Annual Percentage Yield. APY assumes funds will remain on deposit for a full year at the advertised rate.
6 At our discretion, we may change the interest rate and APY on this account at any time. Fees could reduce earnings for applicable accounts.

 
Personal Loans
Effective: February 1, 2019

Vehicle Loans

New Auto 2014-2019
Term APR7 Rate
Up to 36 months starting at 3.574% 3.25%
Up to 48 months starting at 3.497% 3.25%
Up to 60 months starting at 3.750% 3.55%
Used Auto 2013 and older
Term APR7 Rate
Up to 36 months starting at 5.315% 4.99%
Up to 48 months starting at 5.739% 5.49%
Personal Loans
Term APR7 Rate
Up to 24 months starting at 6.723% 6.25%
Personal Line of Credit
Variable APR8 Variable Rate
Line of Credit 8.68% Variable 8.00% Variable

7 APR assumes a $20,000 loan with a $100 documentation fee, excellent credit history, and a loan-to-value ratio of 95%. Rates and down payment requirements vary according to credit history. Additional .5% for no automatic payment from a First National Bank of Hutchinson account. Subject to credit approval. Monthly payment amounts vary by loan term and rates. For example, a loan for $20,000 will have a minimum monthly payment of $366.15 over 60 months at 3.750% APR.

8 APR assumes a balance of $10,000 over 36 months with a $100 documentation fee and excellent credit history. APR may change monthly but will never be lower than 5.515% APR or greater than 18%. Subject to credit approval.

 
Mortgage Loans
Effective: February 14, 20199
Mortgage Loan Rates
APR10 Interest Rate
30 year Fixed Rate 4.464% 4.375%
20 year Fixed Rate 4.373% 4.250%
15 year Fixed Rate 4.030% 3.875%

9 The interest rates and annual percentage rates (APRs) shown are available as of 9:00am on the date shown.  They are subject to change without notice.

10 APR assumes a $100,000 loan with excellent credit history and a maximum loan to value of 80%.  Rates and down payment requirements vary according to credit history.  Subject to credit approval.  Monthly payment amounts vary by loan term and rates.  Below are payment examples based on a $100,000 loan and the APRs listed above:

  • 30 year loan:  360 monthly payments of $499.29
  • 20 year loan:  240 monthly payments of $619.23
  • 15 year loan:  180 monthly payments of $733.44
  • The monthly payment amounts shown include principal and interest only.  Property taxes, property insurance, and flood insurance (if applicable) are not included in the monthly payment amounts listed. Your actual monthly payment obligation will be higher.

Other mortgage loan options and terms are available.

 

$5,000 and over1 under $5,000 Min Open Deposit Comp Freq
Term APY2 Interest Rate APY2 Interest Rate
3-5 Months .13% .13% .08% .08% $1,000 Quarterly
6-11 Months .18% .18% .08% .08% $1,000 Semi-Annually
12-23 Months 2.01% 2.00% .12% .12% $1,000 Semi-Annually
15 Month Add-on 2.06% 2.05% .22% .22% $500 Semi-Annually
2 Year 2.27% 2.25% .27% .27% $1,000 Semi-Annually
3 Year 2.52% 2.50% .53% .53% $1,000 Semi-Annually
4 Year 2.52% 2.50% .83% .83% $1,000 Semi-Annually
5 Year 2.52% 2.50% 1.08% 1.08% $1,000 Semi-Annually