Loan Rates


Auto Loan Rates

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Home Equity Loan Rates

Term First Mortgage APR* Second Mortgage APR* Loan to Value
121-180 Months 3.75% 4.75% up to 70%
61-120 months 3.75% 4.75% up to 80%
12-60 months 3.75% 4.75% up to 90%

Rates listed are effective as of 9/19/2019, are not guaranteed and are subject to change without notice. Lien position, LTV and term can adjust the rate. Purpose doesn't impact rate. Property insurance required. An appraisal may be required which may result in a fee ranging from $0 to $1,000 and an appraisal vendor fee ranging from $0-$33.70. Customer qualifies for a first mortgage if the home is paid off or INTRUST is refinancing the loan.

Customer qualifies for a second mortgage if payments are still being made on the first mortgage and it is not being refinanced by INTRUST.

  1. Disclosed APR assumes actual closing costs paid by the customer, a $75,000 loan with 120 month term. Loans secured by property in Kansas would have closing costs of approximately $218.50. These costs may be added to the loan amount and are not required to be paid out of pocket. For example: a first mortgage loan with an APR of 3.75% would result in a payment of $750.46. A second mortgage loan with an APR of 4.75% would result in a payment of $786.36.

*Annual Percentage Rate will be 0.25% higher if the payments are not automatically deducted from an INTRUST Bank checking account. If an escrow account is required or requested, the actual payment will be greater to include payment for real estate taxes and homeowner’s insurance premiums. 

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Home Equity Line of Credit

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Rates and Terms

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Home Equity Line of Credit - Variable Rate, up to 80% Loan-to-Value

3.75% APR

Rate adjusts monthly to Prime + .50%

The Annual Percentage Rate (APR) is variable and can change, up to a maximum rate of 18%. This maximum APR may be reached at the time of the first interest-only payment.

Rates listed are effective as of 8/2/2019, are not guaranteed and are subject to change without notice. Offer is subject to credit approval and collateral evaluation. Property insurance required. An appraisal may be required, which may result in a fee ranging from $0 to $1,000 and an appraisal vendor fee ranging from $0 to $33.70.


Home Loan Rates

Loan Type Rate APR Assumptions Monthly Payment Final Payment
Conventional 30 Year Fixed Rate 2.875% 2.933% Assumptions $663.83 $662.79
Conventional 15 Year Fixed Rate 2.375% 2.477% Assumptions $1,057.47 $1,058.19
Conventional 10 Year Fixed Rate 2.375% 2.525% Assumptions $1,499.24 $1,499.39
FHA 30 Year Fixed Rate 2.375% 3.396% Assumptions $808.64 $805.76
VA 30 Year Fixed Rate 2.500% 2.673% Assumptions $726.51 $725.81

Rates listed are effective as of 8/2/2019 for loan amounts of $100,000 to $548,250, are not guaranteed, and are subject to change without notice. Rates and/or origination fees may vary depending on the consumer’s credit scores, loan-to-value ratio, and/or reason for the loan, such as purchase, refinance or cash-out refinance.