LOAN RATES
Rates are set by the Board of Directors and are subject to change.
Rates accurate as of 03/01/2010.
|
Loan Type
|
A.P.R.w
|
Max. Term
|
|
|
Unsecured
|
|
|
|
|
Personal ($500 - $10,000) *
|
8.00%**
|
48 Mo.***
|
Calculator
|
|
Line of Credit*
(Overdraft Protection)
$500 - $3,000
|
15.00%
|
N/A
|
|
|
VISA Classic Credit Card****
$500 - $5,000
|
10.00% - 15.00% purchases****
11.50% - 16.50%cash advance****
|
N/A
|
|
|
Secured
|
|
|
|
|
Personal*
$500 - bal in savings acct.
|
3.000% above savings rate
|
120 Mo.
|
Calculator
|
*No charges imposed
** Your rate may vary from the above rate and will be determined by your credit history.
***Terms of Repayment Example - 48 monthly payments of $24.41 per $1,000 borrowed at 8.00%APR
wAnnual Percentage Rate
****
|
Annual Percentage Rate for Purchases *****
|
10.00% - 15.00%
|
|
Cash Advance APR *****
|
11.50% - 18.50%
|
|
Grace Period for Purchases
|
25 Days
|
|
Method of Computing the Balance for Purchases
|
Average Daily Balance (including new purchases and cash advances)
|
|
Annual Fee
|
None
|
|
Minimum Finance Charge
|
None
|
|
Transaction Fee for Purchases
|
None
|
|
Balance Transfer Fee
|
None
|
|
Late Payment Fee
|
$20.00
|
|
Over-the-Limit Fee
|
$25.00 (If 10% over your credit limit)
|
|
Card Replacement Fee
|
$10.00
|
|
Foreign Transaction Fee
|
1.00% of Transaction Amount
|
***** The APR is based on certain credit-worthiness criteria.
CAR LOAN RATES
Rates are set by the Board of Directors and are subject to change.
Rates accurate as of 03/01/2010*.
100% FINANCING OFFERED ON NEW AND USED VEHICLES*
Motor Vehicle Rates - New and Used (2005 or newer)
| |
New |
Used |
| |
|
2005-2010 |
| |
APR |
APR |
| Up to 48 Mo *** |
4.75** |
4.99** |
| Up to 60 Mo |
4.99** |
5.25** |
| Up to 72 Mo |
5.75** |
N/A |
*No charges imposed
** Your rate may vary from the above rate and will be determined by your credit history.
***Terms of Repayment Example - 48 monthly payments of $22.92 per $1,000 borrowed at 4.75%APR
HOME EQUITY LOAN RATES
Rates are set by the Board of Directors and are subject to change.
Rates accurate as of 03/01/2010.
| |
Fixed |
| Term** |
A.P.R. |
| Up to 60 Mos.*** |
4.99 |
| Up to 120 Mos. |
5.49 |
| Up to 180 Mos. |
5.99 |
** Maximum LTV - 85%
** 10,000 to 125,000
**Refinance of current loan available.
Restrictions may apply - ask for details.
** Primary Residence Only
** Maximum Term, 180 Mos.
** NO FEES
** NO POINTS
** NO CLOSING COSTS
** NO PRE-PAYMENT PENALTIES
** 1- 4 family or condominium
** CT Properties Only
** Subordination Requests $75.00
wAnnual Percentage Rate
***Terms of Repayment Example - 60 monthly payments of $18.87 per $1,000 borrowed at 4.99%APR
SAVINGS RATES
Rates are set by the Board of Directors, and are subject to change.
Rates accurate as of Fourth Quarter 2009.
|
Account Type
|
Minimum BalanceTo Earn APY*
|
Annual % Yield
|
Dividend Rate
|
|
Share Savings
|
$100.00 $2500.00 $10,000.00
|
0.50
0.75
1.00
|
0.50
0.75
1.00
|
|
IRA
(Individual Retirement Account)
Club Accounts
|
$100.00 $2500.00 $10,000.00
$100.00
|
0.50
0.75
1.00
0.50
|
0.50
0.75
1.00
0.50
|
|
|
$2500.00 $10,000.00
*Annual Percentage Yield
|
0.75
1.00
|
0.75
1.00
|
TERM SHARE CERTIFICATE RATES
IRA TERM SHARE CERTIFICATE RATES
Rates are set by the Board of Directors and are subject to change.
Rates accurate as of 03/01/2010.
|
Term
|
Min.
|
Annual % Yield
|
Dividend Rate
|
|
6 months
|
$1,000
|
1.25
|
1.24
|
|
12 months
|
$1,000
|
1.50
|
1.49
|
|
18 months
|
$1,000
|
1.75
|
1.74
|
|
|
|
|
|
|
|
|
|
|
Early withdrawal penalty applies.
