Rates

Rates as of November 1, 2020

APR = Annual Percentage Rate.  APR is based on Credit Score. Maximum APR 18.00%. Rates subject to change without notice.

Personal Loans

Starting APR	Term
4.99%	up to 60 months

Maximum of $30,000.

New Auto

Starting APR	Term
2.75%	up to 36 months
2.90%	up to 60 months
3.50%	up to 84 months*

Vehicle must have never been titled.  Maximum Loan to Value of 115% NADA Book Value.

*Loan amount must be greater than $10,000.

Used Auto

Starting APR	Term
2.75%	up to 36 months
2.90%	up to 60 months

Vehicle is 5 years old or newer.  Maximum Loan to Value of 115% of NADA Book Value.

Older Used Auto

Starting APR	Term
6.99%	up to 48 months

Vehicle is 6 to 8 years old.  Maximum Loan to Value of 85% of the NADA Book Value. Collision Coverage may be waived by the loan committee for these older vehicles.

New Motorcycle

Starting APR	Term
2.75%	up to 36 months
2.90%	up to 60 months
3.50%	up to 84 months*

Motorcycle must have never been titled. Maximum Loan to Value of 115% of NADA Book Value.

*Loan amount must be greater than $10,000.

Used Motorcycle

Starting APR	Term
2.75%	up to 36 months
2.90%	up to 60 months
3.50%	up to 72 months

Must be 5 years old or newer.  Maximum Loan to Value of 115% of NADA Book Value.

Older Used Motorcycle

Starting APR	Term
6.99%	up to 4 years

Motorcycle is 6 to 10 years old.  Maximum Loan to Value of 85% of NADA Book Value.

RV & Boat Loans

Starting APR	Term
3.75%	up to 36 months
3.90%	up to 60 months
4.50%	up to 84 months*
6.50%	up to 120 months*

Loan to Value will be on a case-by-case basis after an evaluation of risk.  Not to exceed 115% of NADA Book Value.

*PLEASE CONTACT LOAN DEPARTMENT FOR FURTHER INFORMATION REGARDING LOAN AMOUNTS

1st Mortgage Fixed Rate Loans

APR as low as	Term
2.875%	10 to 15 years
3.15%	30 years

Minimum of $25,000.00. Payments do not included taxes and insurance premiums.

2nd Mortgage Fixed Rate Loans

APR as low as	Term
3.50%	5 years
3.75%	10 years
4.00%	15 years

Minimum of $10,000.00. Maximum of $150,000.00. Payments do not include taxes and insurance premiums.

Home Equity Line of Credit

APR as low as	Term
3.50% (special rate) Prime 3.25%	up to 25 years
2.50% Rate Special	fixed for 12 months*

Minimum rate 4.00%. Payments do not include taxes and insurance premiums.

• Minimum APR 4.00%, Maximum APR 18.00%
• Property and/or flood insurance required.

VISA Credit Cards

Type of Card	*APR
VISA Classic	12.99%
VISA Platinum	11.99%
VISA Cash Advance	9.99%

Other Loans

Type of Loan	*APR
Share Secured	4.07%
Certificate Pledge	2.00% Above Cert Rate
S/D Overdraft	16.50% - Maximum Line $2,500

Disclosures

Unsecured Loans

Rates are subject to change without notice. Maximum unsecured individual limit $30,000, Comaker $15,000. Repayment Example: a 2-Year $5,000 Personal Loan at 6.99% Annual Percentage Rate (APR) will have 24 Monthly Payments of $222.87, a 5- Year $10,000 Personal Loan at 9.99% APR will have 60 monthly payments of $212.45.

Auto Loans

Rates Subject to change without notice. Maximum Loan to Value of 115% of NADA book value new or used. Repayment Example: a 3-Year $10,000 Car Loan at 4.99% Annual Percentage Rate (APR) will have 36 Monthly Payments of $299.69, a 4-Year $10,000 Car Loan at 4.99% APR will have 48 monthly payments of $230.27, a 5-Year $20,000 Car Loan at 4.99% APR will have 60 monthly payments of $400.81, a 6-Year $25,000 Car Loan at 7.50% APR will have 72 monthly payments of $432.30.

Fixed Rate Second Mortgages

Rates subject to change without notice. Maximum Loan to Value of 80% of Appraised Value ($100,000 minus 20% = $80,000). No closing costs for loans $25,000 and above. Repayment Example: a 5-Year $25,000 Home Equity Loan at 5.50% Annual Percentage Rate (APR) will have 60 Monthly Payments of $477.57; a 10-Year $30,000 Home Equity Loan at 6.25% APR will have 120 monthly payments of $325.61; a 15-Year $80,000 Home Equity Loan at 6.99% APR will have 180 monthly payments of $718.42.

Home Equity Line of Credit

Minimum Credit Line is $10,000, 10-Year Draw Period and Fifteen Repayment Period. Minimum Monthly Payment is 1% of Credit Line outstanding. The Annual Percentage Rate (APR) is variable twice a year and will be established based on an Index value equal if the Prime Rate as published in the Northeastern edition of The Wall Street Journal on the last billing business day in December and June.

Share Secured

Repayment Example

A 3-Year $5,000 Share Secured Loan at 4.99% APR will have 36 monthly payments of $149.84.

Recreational Vehicle

Loan to value is 100%. Repayment Example: a 10-Year $25,000 Recreational Vehicle at 6.99% Annual Percentage Rate (APR) will have 120 Monthly Payments of $208.33

Computer Loan Special

Up to 100% of the cost of a Personal Computer with peripherals and tax. Repayment Example: a 2-Year $3,000 Computer Loan at 4.99% Annual Percentage Rate (APR) will have 24 Monthly Payments of $153.53

Rates as of November, 2020

Deposit Account

Type of Account	Rate	APY*
Regular Share	0.05%	0.05%
Special Share	0.05%	0.05%
Christmas Club	0.05%	0.05%
Vacation Club	0.05%	0.05%
IRA Money Market	0.25%	0.25%
Escrow Shares	0.05%	0.05%
Money Market 2,500 to 9,999	.10%	.10%
Money Market 10,000 to 24,999	.15%	.15%
Money Market $25,000 to $74,999	.25%	.25%
Money Market $75,000 and greater	.35%	.35%

Certificates/IRA Certificate Rates

Term	Rate	APY*
6 Months	.30%	.30%
12 Months	.45%	.45%
18 Months	.45%	.45%
24 Months	.50%	.50%
30 Months	.60%	.60%
36 Months	.65%	.65%
48 Months	.65%	.65%
60 Months	.90%	.90%

*APY = Annual Percentage Yield   **Fees could reduce the earnings on an account 

View our Share Account Rates and Fee Schedule including all disclosures.