Farmers State Bank of Phillipsburg

Standard Agricultural:
	Operating:		7.95%	varies monthly
	M & E:		7.95%	varies monthly
	Livestock:		7.25%	varies monthly
	Real Estate:		6.75%	3 year balloon or 3 year variable
Standard Commercial:
	Operating:		8.30%	varies monthly
	M & E:		8.30%	varies monthly
	Real Estate:		7.15%	3 year balloon or 3 year variable
	Livestock:		7.15%	varies monthly
	Rental (residential):		6.95%	3 year balloon
	Commercial rates and re-pricing frequency can vary depending upon factors such as risk, cash flows, collateral margins, and financial and managerial strengths. Consumer: All consumer Interest Rates are to be quoted as “Annual Percentage Rate”
Consumer:			*APR
	Real Estate:		6.50%	5 year balloon

	Auto Loans
		36 months	48 months	60 months
	New	5.00%	5.50%	6.50%
	Used	6.25%	6.45%	7.00%
	2002 & older	8.00%	8.50%	9.00%

	Unsecured	10.00%
	Other than Auto	8.75%

Loans Secured by Deposit Accounts:
	2.50% over quoted deposit account Interest Rate.
	Minimum interest rate of 5.00%

*APR = Annual Percentage Rate
All consumer Interest Rates are to be quoted as "Annual Percentage Rate"

Consumer and Residential Loans may require up to a 25% down payment. Please contact us for details.

* Please call or e-mail us for current rates.