- Note:
- Rates effective May 7, 2008.
- All in-house mortgage loans require a 20% down payment,
except land loans which require a 35% down
payment..
- Rates are subject to change without notice, and may change daily.
- For all ARM loans, the APR may increase after the loan closes.
- For complete details on any of our loan products, contact our Loan Department for assistance.
- For current rate information, call (603) 536-0001.
Rates may differ subject to meeting the bank's underwriting standards.
Consumer Loan Rates
|
Term (months)
|
Down Payment
|
Interest Rate
|
APR*
|
Monthly
Repayment
Per $1000**
|
| Auto, Motorcycles - New (2008) |
60 |
0% |
6.90% |
7.95% |
$20.25 |
| Motor Homes - New (2008) |
60 |
0% |
7.90% |
8.96% |
$20.74 |
| Auto, Motorcycles - Used (2007 - 2004) |
60 |
0% |
7.90% |
8.96% |
$20.74 |
| Auto, Motorcycles - Used (2003-2001) |
48 |
0% |
8.90% |
10.20% |
$25.46 |
| Auto , Motorcycles- Used (2000 - 1994) |
36 |
0% |
10.90% |
12.62% |
$33.50 |
| Motor Homes - Used (2007 - 2004) |
60 |
0% |
8.90% |
9.965% |
$21.13 |
| Motor Homes - Used (2003-2001) |
48 |
0% |
9.90% |
11.21% |
$25.94 |
| Motor Homes - Used (2000-1994) |
36 |
0% |
11.90% |
13.63% |
$33.99 |
| New ATVs, Boats, Camper Trailers, Snow Machines |
60 |
0% |
8.90% |
10.60% |
$32.54 |
| Used ATVs, Boats, Camper Trailers, Snow Machines |
48 |
0% |
10.90% |
12.22% |
$26.44 |
Unsecured Loans
($10,000.00 max) |
48 |
NA |
15.50% |
16.86% |
$28.78 |
| Home Improvement Loan |
60 |
NA |
9.90% |
10.98% |
$21.73 |
Secured Loans:
Passbook Savings
Certificate of Deposit
Stock
Other Collateral |
Rates and terms vary depending on collateral |
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Mortgage Rates
|
Rate
|
Pts (%)
|
APR*
|
Caps
|
Max #
Months
Repayment
|
Monthly
Repayment
Per $1000**
|
|
5/1 ARM§*** |
6.125% |
2.00% |
5.54% |
2\6 |
360 |
$6.08 |
| Residential - 25 Year Bi-Weekly§§ |
7.00% |
2.00% |
7.24% |
N/A |
300 |
$3.53 |
|
Residential ***
Fixed Rate |
6.75%
7.25% |
2.00%
0 |
7.07%
7.25% |
N/A
N/A |
180
180 |
$8.85
$9.13 |
| Home Equity Line of Credit§§§ |
Call for current terms and rates |
| Construction |
Call for current terms and rates |
|
Land |
Call for current terms
and rates |
| Mobile Home (Own Land) - 1997 or
Older - 3 ARM |
7.000% |
2.00% |
7.26% |
2\6 |
240 |
$7.75 |
Mobile Home - New
1 ARM-In Park |
5.875% |
2.00% |
6.12% |
2\6 |
240 |
$7.09 |
| Mobile Home - Used 1 ARM-In Park |
6.875% |
2.00% |
7.20% |
2\6 |
180 |
$8.92 |
|
Single Wide (Own
Land)1998 or Newer
Fixed Rate
|
7.750%
8.25% |
2.00%
0 |
8.08%
8.25% |
N/A
N/A |
180
180 |
$9.41
$9.70 |
|
Single Wide (Own Land)
1998 or Newer - 5/1 ARM§ |
7.125% |
2.00% |
6.96% |
2/6 |
180 |
$9.06 |
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Fixed Rates
|
Rate
|
Pts (%)
|
APR*
|
Max LTV
|
Max #
Months
Repayment
|
Monthly
Repayment
Per $1000**
|
| 15 Year Fixed |
5.375% |
2% |
5.677% |
95% |
180 |
$8.10 |
|
5.625% |
1% |
5.786% |
95% |
180 |
$8.24 |
|
6.000% |
0% |
6.000% |
95% |
180 |
$8.44 |
|
20 Year Fixed |
|
|
|
|
|
|
| Call for current terms and rates |
| |
|
|
|
|
|
| 30 Year Fixed |
5.750% |
2% |
5.943% |
95% |
360 |
$5.84 |
|
6.000% |
1% |
6.101% |
95% |
360 |
$6.00 |
|
6.375% |
0% |
6.375% |
95% |
360 |
$6.24 |
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Legend:
*APR = Annual Percentage Rate
** Based on maximum term
***Includes all new used
double-wide mobile homes up to 10 years old
All new single-wide mobile homes
§ APR is discounted during the initial 60-month period
§§ Bi-weekly payments
§§§ Ten year draw period followed by a ten year repayment period
Note:
- Rates effective May 7, 2008.
- All in-house mortgage loans require a 20% down payment,
except land loans which require a 35% down
payment..
- Rates are subject to change without notice, and may change daily.
- For all ARM loans, the APR may increase after the loan closes.
- For complete details on any of our loan products, contact our Loan Department for assistance.
- For current rate information, call (603) 536-0001.
|