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Loans
Current Rates
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GUTHRIE COUNTY STATE BANK LOAN RATES      
October-2014      
      Mo. Pmt
REAL ESTATE Rate APR per $1000
1st Mortgages - Residential - 1 rating      
1-year ARM* 4.000% 4.086% $4.82
3-year ARM* 4.000% 4.086% $4.82
5-year ARM* 4.000% 4.086% $4.85
10 year fixed 3.950% 4.178% $10.20
       
1st Mortgages - Residential - 2 rating      
1-year ARM* 5.000% 5.091% $5.42
3-year ARM* 5.000% 5.091% $5.42
5-year ARM* 5.000% 5.091% $5.45
10 year fixed 4.950% 5.179% $10.69
       
1st Mortgages - Residential - 3 rating      
1-year ARM* 6.000% 6.097% $6.00
3-year ARM* 6.000% 6.097% $6.00
5-year ARM* 6.000% 6.097% $6.08
10 year fixed 5.950% 6.183% $11.19
       
1st Mortgages - Commercial      
1-year ARM 5.000%    
3-year ARM 5.000%    
5-year ARM 5.250%    
       
Residential Lots      
3 year ARM# 6.000% 6.133%  $7.17
5 year ARM# 6.000% 6.133%  $7.17
       
Rental Property      
3-year ARM# 5.000% 5.122% $6.67
       
APR = Annual Percentage Rate      
*All loans are subject to a 1% Origination fee, $2 Flood monitoring fee and included in the APR calculation      
*Other fees may apply, but are not included in the APR calculation.      
ARM = Adjustable Rate Mortgage - rates are subject to change during the loan term.      
*This could increase or decrease your monthly payment                        
*APR calculation assumes a $100,000 loan amount. Based on a repayment period of 30 years or 360 months.      
#APR calculation assumes a $100,000 loan amount. Based on a repayment period of 20 years or 240 months.      
*There is no down payment required if you qualify for the First Time Home Buyers Program      
*10 to 20% is a required down payment for all others based on credit history.