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Loans
Effective: April 1, 2008

NEW FOR LIMITED TIME ONLY!
Vacation Loan Special see loan sheet for details

   Loan Type
  
Annual Percentage Rate
APR *
Maximum Term
Conditions

   Car Values
  New Autos   2007 & 2008
   (over $20,000 up to 72 months)
4.99%
(Rate adjust with Credit worthiness)
5 years

  0% down - 100% of NADA retail value

Rates reflect ¼% discount with autopay from checking account and ¼% discount for direct deposit into checking account
  Used Autos  2001 - 2006
5.99%
(Rate adjust with Credit worthiness)
5 years
2001 - 2006
5.99%
(Rate adjust with Credit worthiness)
    Equity Line of Credit -   as low as:
  4.25% **
 5 Year Draw Period - 15 Year Repayment 80% Loan to Value - no initial closing costs (WSJ) Wall Street Journal Prime Rate 5.00% as of April 30, 2008
Quick Decision - Quick Closing - usually within 48 hours
    Home Equity Fixed
    Line of Credit - as low as:
 

6.75%   
3 Year DrawPeriod – 10 YrRepayment
 80% Loan to Value - no initial closing costs: no appraisal, no title fee and no annual fee *rates adjust with credit worthiness
Quick Decision - Quick Closing - usually within 48 hours

  Home Equity - Fixed Rate
    5.99% ***
5 years
80% Loan to Value - no initial closing costs: no appraisal, no title fee, and no annual fee. **Rates adjust with credit worthiness

    6.24% ***
10 years

      6.49%  ***

15 years
  Personal Loan
9.99%
(Rate adjust with Credit worthiness)
1 - 5 years

$500 minimum  $10,000 maximum

Rates reflect ¼% discount with autopay from checking account and ¼% discount for direct deposit into checking account
  New & Used Recreational Vehicles
9.50%
5 years
   20% down payment
  New & Used Motor Homes
10.00%
 10 years
  Mobile or Manufactured Home - New

8.50%

15 years

 

 

 

   20% down payment

8.00%

  30% down payment
  Mobile or Manufactured Home  - Used 
9.50%
  20% down payment
9.00%
  30% down payment
  Personal Line of Credit  
12.00%

3 years

$500 minimum $2,500  maximum. $50 minimum monthly payment $50 minimum advance
  Savings Pledged Shares
4% above
share rate

4 years

 To CD maturity - 100% of balance
  Certificate Pledged Shares
3% above
CD rate

4 years

  100% of balance
  Christmas
4.99%

up to 18 months

   $2,500 maximum * 10 minute closings, must qualify for rate

  Boat - New

9.50%

5 years

   20% down payment
  Boat - Used
10.00%

5 years

    20% down payment


     Apply: Print
Please contact a Member Service Representative if you have any questions: 508-222-3009.

 * APR = Annual Percentage Rate.= Annual Percentage Rate.

** Equity Line of Credit Loans: Rates are variable based on the WSJ Prime Rate. Rates may vary monthly. Current WSJ Prime Rate: 5.00% (effective April 30, 2008 ). Rates will be determined by individual creditworthiness. Accounts are subject to individual approval. The maximum Equity Line of Credit amount is $200,000.The APR shall never go below 4.00%.The maximum APR allowed by law is currently 18%. Property insurance required. A minimum initial draw of $10,000 is required. A $300 termination fee will apply if an Equity Line or an Equity Loan is closed out within the first 24 months. 80% combined LTV for owner-occupied residences. Rates are subject to change without notice. Membership eligibility requirement apply.

*** Equity-Fixed Rate Loans: For the fixed-rate Home Equity Loan, the monthly payment per thousand for the 5, 10 and 15 year term is $19.33 , $11.23 and $8.71 respectively. The maximum APR allowed by law is currently 18%. Property insurance required. A minimum initial draw of $10,000 is required for Equity Loans. A $300 termination fee will apply if an Equity Line or an Equity Loan is closed within the first 24 months. 80% combined LTV for owner-occupied residences. Rates subject to change without notice. Membership eligibility requirements apply.


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