LOAN RATES
Rates are set by the Board of Directors and are subject to change.
Rates accurate as of 10/01/08.
|
Loan Type
|
A.P.R.w
|
Max. Term
|
|
|
Unsecured
|
|
|
|
|
Personal ($500 - $10,000) *
|
8.000**
|
48 Mo.
|
Calculator
|
|
Line of Credit*
(Overdraft Protection)
$500 - $3,000
|
15.000
|
N/A
|
|
|
VISA Classic Credit Card***
$500 - $5,000
|
12.500 purch
13.900 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.
wAnnual Percentage Rate
***
|
Annual Percentage Rate for Purchases
|
12.50%
|
|
Cash Advance Rate
|
13.90% APR
|
|
Grace Period for Purchases
|
25 Days
|
|
Method of Computing the Balance for Purchases
|
Average Daily Balance (including new purcahses and cash advances)
|
|
Annual Fee
|
$10.00 per year (waived if used 8 or more times per year for purcahses or cash advances)
|
|
Minimum Finance Charge
|
None
|
|
Transaction Fee for Purchases
|
None
|
|
Balance Transfer Fee
|
None
|
|
Late Payment Fee
|
$10.00
|
|
Over-the-Limit Fee
|
$10.00
|
|
Card Replacement Fee
|
$10.00
|
CAR LOAN RATES
Rates are set by the Board of Directors and are subject to change.
Rates accurate as of 10/01/08.
100% FINANCING OFFERED ON NEW AND USED VEHICLES*
Motor Vehicle Rates - New and Used (2003 or newer)
| |
New |
Used |
| |
|
2003-2007 |
| |
|
|
| Up to 48 Mo |
5.000** |
6.250** |
| Up to 60 Mo |
5.500** |
6.500** |
| Up to 72 Mo |
6.000** |
N/A |
*No charges imposed
** Your rate may vary from the above rate and will be determined by your credit history.
HOME EQUITY LOAN RATES
Rates are set by the Board of Directors and are subject to change.
Rates accurate as of 10/01/08.
| |
Fixed |
| Term** |
A.P.R. |
| Up to 60 Mos. |
5.750 |
| Up to 120 Mos. |
6.000 |
| Up to 180 Mos. |
6.250 |
** 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
SAVINGS RATES
Rates are set by the Board of Directors, and are subject to change.
Rates accurate as of Fourth Quarter 2008.
|
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
|
0.75
1.00
|
0.75
1.00
|
TERM SHARE CERTIFICATE RATES
Rates are set by the Board of Directors and are subject to change.
Rates accurate as of 10/01/08.
|
Term
|
Min.
|
Annual % Yield
|
Dividend Rate
|
|
6 months
|
$1,000
|
2.78
|
2.75
|
|
12 months
|
$1,000
|
3.03
|
3.00
|
|
18 months
|
$1,000
|
3.29
|
3.25
|
|
|
|
|
|
|
|
|
|
|
Early withdrawal penalty applies.
