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Residential Mortgage Rates - Locally-Retained Service

The rates and APRs shown are based on a loan amount of $100,000, 75% LTV, and 780 minimum credit score for the purchase of 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 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 upon information relating to these factors, which may be determined after you submitted your application.  NMLS ID 435120





30 Year Fixed




20 Year Fixed




15 Year Fixed




10 Year Fixed




 Mortgage rates are current as of February 20, 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.

Kim Lewis217.356.0933, NMLS ID: 1037817

Lane Nicolette, 217.356.0933, NMLS ID: 1590641


Jim McMurry, 217.356.0933, NMLS ID : 445430

Jack Wallace, 217.344.2265, NMLS ID : 1650853



Justin Davis

Consumer Loan Officer
NMLS ID: 445407

Jason Eyman

Commercial Loan Officer


NMLS ID: 445424

*First Federal's primary lending area is in Champaign County, Illinois.

Visa Business Credit Card Application


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Cards issued by UMB Bank, n.a.

  1. Cardholders earn three (3) points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn one (1) point per dollar on all other purchases. See Simply Rewards Rules for details.
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  3. Visa's Zero Liability Policy covers S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.


See card application for important rate, fee and program information.

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