Interest Rates
Rates are subject to change daily. All rates are set at the time of loan funding.
Ag/Business Loans
Direct Farm Real Estate Loan Rates Effective for the week of March 20, 2017 through March 24, 2017 

Rate Index  Term  Level I  Level II  Level III 

Quarterly Adj.*  25 Years  3.36%  3.86%  4.86% 
Annual  25 Years  3.63%  4.13%  5.13% 
3Year Adj.  25 Years  4.21%  4.71%  5.71% 
5Year Adj.  25 Years  4.64%  5.14%  6.14% 
7Year Adj.  25 Years  5.01%  5.51%  6.51% 
10Year Fixed  10 Years  5.48%  5.98%  6.98% 
10Year Adj.  20 Years  5.73%  6.23%  7.23% 
10Year Adj.  25 Years  *6.00%  *6.50%  *7.50% 
25Year Fixed  25 Years  6.23%  6.73%  7.73% 
Direct Farm Real Estate Loan Rates Effective for the week of March 20, 2017 through March 24, 2017 

Rate Index  Quarterly Adj.* 

Term  25 Years 
Level I  3.36% 
Level II  3.86% 
Level III  4.86% 
Rate Index  Annual 
Term  25 Years 
Level I  3.63% 
Level II  4.13% 
Level III  5.13% 
Rate Index  3Year Adj. 
Term  25 Years 
Level I  4.21% 
Level II  4.71% 
Level III  5.71% 
Rate Index  5Year Adj. 
Term  25 Years 
Level I  4.64% 
Level II  5.14% 
Level III  6.14% 
Rate Index  7Year Adj. 
Term  25 Years 
Level I  5.01% 
Level II  5.51% 
Level III  6.51% 
Rate Index  10Year Fixed 
Term  10 Years 
Level I  5.48% 
Level II  5.98% 
Level III  6.98% 
Rate Index  10Year Adj. 
Term  20 Years 
Level I  5.73% 
Level II  6.23% 
Level III  7.23% 
Rate Index  10Year Adj. 
Term  25 Years 
Level I  *6.00% 
Level II  *6.50% 
Level III  *7.50% 
Rate Index  25Year Fixed 
Term  25 Years 
Level I  6.23% 
Level II  6.73% 
Level III  7.73% 
Participation Daily Adjustable Loan Rate Indices Rate Index Indications as of March 24, 2017 at 8:43 a.m. (CT) 

Rate Index  Index 

1 Month LIBOR  Link 
3 Month LIBOR  Link 
FHLB 1 Year Advance Rate  1.35% 
FHLB 2 Year Advance Rate  1.67% 
FHLB 3 Year Advance Rate  1.88% 
FHLB 5 Year Advance Rate  2.32% 
FHLB 7 Year Advance Rate  2.68% 
FHLB 10 Year Advance Rate  3.14% 
Participation Daily Adjustable Loan Rate Indices Rate Index Indications as of March 24, 2017 at 8:43 a.m. (CT) 

Rate Index  1 Month LIBOR 

Index  Link 
Rate Index  3 Month LIBOR 
Index  Link 
Rate Index  FHLB 1 Year Advance Rate 
Index  1.35% 
Rate Index  FHLB 2 Year Advance Rate 
Index  1.67% 
Rate Index  FHLB 3 Year Advance Rate 
Index  1.88% 
Rate Index  FHLB 5 Year Advance Rate 
Index  2.32% 
Rate Index  FHLB 7 Year Advance Rate 
Index  2.68% 
Rate Index  FHLB 10 Year Advance Rate 
Index  3.14% 
Guaranteed Loan Purchase Program Rates Effective for the week of March 20, 2017 through March 24 , 2017 

Rate Index  BND Net Rate  +  Lead Lender  =Borrower Rate 

Quarterly adjusted  2.11%  +  Service Fee  =Borrower Rate 
1year Adjusted  2.38%  +  Service Fee  =Borrower Rate 
3year Adjusted  2.96%  +  Service Fee  =Borrower Rate 
5year Adjusted  3.39%  +  Service Fee  =Borrower Rate 
7year Adjusted  3.76%  +  Service Fee  =Borrower Rate 
Guaranteed Loan Purchase Program Rates Effective for the week of March 20, 2017 through March 24 , 2017 

Rate Index  Quarterly adjusted 

BND Net Rate  2.11% 
+  + 
Lead Lender  Service Fee 
=Borrower Rate  =Borrower Rate 
Rate Index  1year Adjusted 
BND Net Rate  2.38% 
+  + 
Lead Lender  Service Fee 
=Borrower Rate  =Borrower Rate 
Rate Index  3year Adjusted 
BND Net Rate  2.96% 
+  + 
Lead Lender  Service Fee 
=Borrower Rate  =Borrower Rate 
Rate Index  5year Adjusted 
BND Net Rate  3.39% 
+  + 
Lead Lender  Service Fee 
=Borrower Rate  =Borrower Rate 
Rate Index  7year Adjusted 
BND Net Rate  3.76% 
+  + 
Lead Lender  Service Fee 
=Borrower Rate  =Borrower Rate 
Weekly Adjustable Treasury Loan Rate Indices (For reference only) Effective for the week of March 20, 2017 through March 24, 2017 

Rate Index  Index 

90Day Treasury Constant Maturities  0.73% 
1Year Treasury Constant Maturities  1.00% 
3Year Treasury Constant Maturities  1.60% 
5Year Treasury Constant Maturities  2.03% 
10Year Treasury Constant Maturities  2.50% 
Weekly Adjustable Treasury Loan Rate Indices (For reference only) Effective for the week of March 20, 2017 through March 24, 2017 

Rate Index  90Day Treasury Constant Maturities 

Index  0.73% 
Rate Index  1Year Treasury Constant Maturities 
Index  1.00% 
Rate Index  3Year Treasury Constant Maturities 
Index  1.60% 
Rate Index  5Year Treasury Constant Maturities 
Index  2.03% 
Rate Index  10Year Treasury Constant Maturities 
Index  2.50% 
Student Loans
DEAL Student Loan (ND Rates) These interest rates are available January 1, 2017 through March 31, 2017 

Student/College Information  Loan Fee  Fixed Interest Rate  Fixed APR*  Variable Interest Rate  Variable APR* 

ND student attending a ND college  0%  5.30%  5.30%  2.46%  2.46% 
ND student attending an outofstate college  0%  5.30%  5.30%  2.46%  2.46% 
Outofstate student attending a ND college  0%  5.30%  5.30%  2.46%  2.46% 
DEAL Student Loan (ND Rates) These interest rates are available January 1, 2017 through March 31, 2017 

Student/College Information  ND student attending a ND college 

Loan Fee  0% 
Fixed Interest Rate  5.30% 
Fixed APR*  5.30% 
Variable Interest Rate  2.46% 
Variable APR*  2.46% 
Student/College Information  ND student attending an outofstate college 
Loan Fee  0% 
Fixed Interest Rate  5.30% 
Fixed APR*  5.30% 
Variable Interest Rate  2.46% 
Variable APR*  2.46% 
Student/College Information  Outofstate student attending a ND college 
Loan Fee  0% 
Fixed Interest Rate  5.30% 
Fixed APR*  5.30% 
Variable Interest Rate  2.46% 
Variable APR*  2.46% 
DEAL Student Loan (NonND Rates) These interest rates are available January 1, 2017 through March 31, 2017 

Student/College Information  Loan Fee  Fixed Interest Rate  Fixed APR*  Variable Interest Rate  Variable APR* 

Outofstate student attending a college in WI, MN, SD, WY or MT  3.75%  6.30%  6.40%  3.46%  3.78% 
Student from WI, MN, SD, WY or MT attending school outside of ND  3.75%  6.30%  6.40%  3.46%  3.78% 
DEAL Student Loan (NonND Rates) These interest rates are available January 1, 2017 through March 31, 2017 

Student/College Information  Outofstate student attending a college in WI, MN, SD, WY or MT 

Loan Fee  3.75% 
Fixed Interest Rate  6.30% 
Fixed APR*  6.40% 
Variable Interest Rate  3.46% 
Variable APR*  3.78% 
Student/College Information  Student from WI, MN, SD, WY or MT attending school outside of ND 
Loan Fee  3.75% 
Fixed Interest Rate  6.30% 
Fixed APR*  6.40% 
Variable Interest Rate  3.46% 
Variable APR*  3.78% 
DEAL One Loan (ND Rates) These interest rates are available January 1, 2017 through March 31, 2017 

Loan Fee  Fixed Interest Rate  Fixed APR*  Variable Interest Rate**  Variable APR* 

0%  5.30%  5.30%  2.46%  2.46% 
DEAL One Loan (ND Rates) These interest rates are available January 1, 2017 through March 31, 2017 

Loan Fee  0% 

Fixed Interest Rate  5.30% 
Fixed APR*  5.30% 
Variable Interest Rate**  2.46% 
Variable APR*  2.46% 
DEAL Consolidation Loan (NonND Rates) These interest rates are available January 1, 2017 through March 31, 2017 

Loan Fee  Fixed Interest Rate  Fixed APR*  Variable Interest Rate**  Variable APR* 

3.75%  6.30%  7.15%  3.46%  4.27% 
DEAL Consolidation Loan (NonND Rates) These interest rates are available January 1, 2017 through March 31, 2017 

Loan Fee  3.75% 

Fixed Interest Rate  6.30% 
Fixed APR*  7.15% 
Variable Interest Rate**  3.46% 
Variable APR*  4.27% 
Prime Rates
Prime Rate Comparison  
Provider  Prime Rate  Effective Date 

Bank of North Dakota Base Rate  4.00%  3/15/2017 
Wall Street New York  4.00%  3/16/2017 
Wells Fargo  Minneapolis  4.00%  3/16/2017 
US Bank National Association  4.00%  3/16/2017 
Citibank New York  4.00%  3/16/2017 
Bank of America  4.00%  3/16/2017 
Prime Rate Comparison  
Provider  Bank of North Dakota Base Rate 

Prime Rate  4.00% 
Effective Date  3/15/2017 
Provider  Wall Street New York 
Prime Rate  4.00% 
Effective Date  3/16/2017 
Provider  Wells Fargo  Minneapolis 
Prime Rate  4.00% 
Effective Date  3/16/2017 
Provider  US Bank National Association 
Prime Rate  4.00% 
Effective Date  3/16/2017 
Provider  Citibank New York 
Prime Rate  4.00% 
Effective Date  3/16/2017 
Provider  Bank of America 
Prime Rate  4.00% 
Effective Date  3/16/2017 