jars of money with Retirement, House, College and Vacation labels

Personal Loans

Residential Mortgage Rates

Locally-Retained Service



The rates and APRs shown are based on a loan amount of $150,000, 75% LTV, and a 780 minimum credit score for purchasing a single-family residence. They are subject to change without notice. Rate and APR may be adjusted based on several factors including but not limited to the loan amount, loan type, occupancy type, property type, Loan To Value (LTV) and your credit score. Your final rate may be higher or lower than quoted based on information relating to these factors, which may be determined after you submit your application. NMLS ID 435120

Term Rate % APR % P&I*
30 Year Fixed 6.500 % 6.555 % $6.32 
20 Year Fixed 6.375 % 6.447 % $7.38 
15 Year Fixed 5.750 % 5.824 % $8.30 
10 Year Fixed 5.500 % 5.604 % $10.85 

Mortgage rates are current as of December 16, 2024, and are subject to change at any time. All rates are expressed as an Annual Percentage Rate or APR. Assumption: Single Family/Owner Occupied. *Monthly Principal and Interest (P&I) per $1,000 does not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation may be greater.
























Our Lending Team

First federal savings bank of champaign lenders
jim mcmurry profile picture
Jim McMurry, SVP
Mortgage Loan Officer
Phone: 217.356.2265
NMLS ID: 445430

jack wallace profile picture with white background
Jack Wallace
Mortgage Loan Officer/Branch Manager
Phone: 217.344.2265
NMLS ID: 1650853

justin davis profile picture
Justin Davis, VP
Consumer Loan Officer
Phone: 217.356.2265
NMLS ID: 445407

jason eyman profile picture
Jason Eyman, SVP
Commercial Loan Officer
Phone: 217.356.2265
NMLS ID: 445424