| Rates (updated
3/6/2007) |
| All Rates are subject to change without further notice. Every effort is made to ensure that the rates on our web page are the actual rates available, however, the rates published may not be the actual rates available, please call our office to verify any rate. Quoted rate may not be the rate available to you, as some rates are based on credit history, employment and debt ratios. Our loan officers are happy to calculate your exact rate for you. Please call our office to speak to any one of them.
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| Shares |
| Savings (Shares) |
RATE |
APY |
| $500-$2499 |
1.25% |
1.26% |
| $2500-$5499 |
1.25% |
1.26% |
| $5500 & above |
1.25% |
1.26% |
| |
| MONEY MARKETS |
RATE |
APY |
| $2500-$9999 |
2.06% |
2.08% |
| $10000-$24999 |
2.06% |
2.08% |
| $25000 & above |
2.06% |
2.08% |
| |
| CHECKING
(Share Drafts) |
RATE |
APY |
| $500 & above |
.25% |
.25% |
| |
| CLUBS |
RATE |
APY |
| (All Clubs) |
1.25% |
1.25% |
| |
| IRAs
(Traditional, Roth, SEP, Educational, Conduit) |
RATE |
APY |
| Liquid |
3.25% |
3.30% |
| Stable |
4.25% |
4.33% |
| |
| SHARE CERTIFICATES $500 minimum, rate subject to change) |
RATE |
APY |
| 6 Month |
2.75% |
2.79% |
| 1 Year* |
3.50% |
3.56% |
| 2 Year* |
3.60% |
3.66% |
| 3 Year* |
3.75% |
3.82% |
| 5 Year* |
4.00% |
4.07% |
| *Dividends are paid monthly |
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| MORTGAGE LOANS
|
| REFI-FIRST |
MAX AMT |
MAX LTV (1) |
APR (2) |
RATE |
| 0 months - 5 years |
$250,000 |
100% |
5.68% |
5.25% |
| 61 months - 10 years |
$250,000 |
100% |
6.48% |
6.25% |
| |
| SECOND |
MAX AMT |
MAX LTV (1) |
APR (2) |
RATE |
| 0 months - 5 years |
$250,000 |
100% |
6.18% |
5.75% |
| 61 months - 10 years |
$250,000 |
100% |
6.98% |
6.75% |
| |
| HELOC (Home Equity Line of Credit) |
MAX AMT |
MAX LTV (1) |
APR (2) |
RATE |
| 1st or 2nd |
$100,000 |
90% |
.6.5.00%* |
6.50%* |
| 1st or 2nd |
$100,000 |
100% |
PRIME - 0.50% to PRIME+4 |
|
| *Home Equities are variables. The first product is based upon FHLBB cost of funds subject to change semi-annually on January 1 and July 1 of each year. |
| (1) Second Mortgages are financed up to max LTV minus 1st mortgage balance. |
| (2) APR based on $75,000, 75% LTV and max term and closing costs. |
| |
|
| CONSUMER LOANS
|
|
SECURED LOANS (AUTOS, BOATS, MOTORCYCLES, JET SKIS, ETC.) |
|
24 Months or less |
6.25%-18.00% |
|
|
36 Months |
6.25%-18.00% |
|
|
48 Months |
6.25%-18.00% |
|
|
60 Months |
6.25%-18.00% |
|
|
72 Months |
6.50%-18.00% |
|
|
84 Months |
7.50%-18.00% |
|
| Financed as new if 13k miles or less on current model year and never been titled, or 25K miles or less on previous model year and never been titled. |
|
|
| SHARE/CERTIFICATE |
|
|
| Share: 3.00% above Share Rate |
|
|
| Certificate: 3.00% above
Share Certificate Rate |
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| PERSONAL |
APR |
Maximum Amount |
| Line of Credit* |
10.00%-18.00% |
$15,000.00 |
| Christmas/Vacation* |
15.00% |
$1,000.00 |
| Credit Cards* |
7.99-18.00% |
$15,000.00 |
| *Maximum amount based on debt ratio, credit and length of employment |
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