Notes - All Loan Products
Rates effective July 28, 2010.
Rates are subject to change without notice, and may change daily
Rates and other loan program details may differ subject to meeting the Bank's underwriting standards.
APR signifies the Annual Percentage Rate.
For complete details on any of our loan products, contact our Loan Department for assistance.
For current rate information, call (603)536-0001.
Notes to Fixed Rate Loans with Loan & Servicing Sold:
Payment examples do not include real estate taxes and insurance premiums. If an escrow account for taxes and/or insurance premiums is required or requested, the actual payment obligation will be greater.
Maximum LTV equals the ratio of the loan amount to the lower of purchase price (if applicable) or appraised value.
Monthly repayment is based on the maximum term.
Fixed Rates |
Rate |
Pts (%) |
APR |
Max LTV |
Max #
|
Monthly
|
| Loan & Servicing Sold | ||||||
| 15 Year Fixed | 3.875% | 2 | 4.174% | 95% | 180 | $7.33 |
| 4.125% | 1 | 4.275% | 95% | 180 | $7.46 | |
| 4.375% | 0 | 4.375% | 95% | 180 | $7.59 | |
| 20 year Fixed | 4.375% | 2 | 4.613% | 95% | 240 | $6.26 |
| 4.500% | 1 | 4.625% | 95% | 240 | $6.33 | |
| 4.750% | 0 | 4.750% | 95% | 240 | $6.46 | |
| 30 Year Fixed | 4.375% | 2 | 4.542% | 95% | 360 | $4.99 |
| 4.500% | 1 | 4.591% | 95% | 360 | $5.07 | |
| 4.750% | 0 | 4.750% | 95% | 360 | $5.22 | |
Notes to Fixed Rate Loans with Servicing Retained by CGSB
Payment examples do not include real estate taxes and insurance premiums. If an escrow account
for taxes and/or insurance premiums is required or requested, the actual payment obligation will be
greater.
Maximum LTV equals the ratio of the loan amount to the lower of purchase price (if applicable) or
appraised value.
Monthly repayment is based on the maximum term.
Construction loan program information available upon request.
|
Rate |
Pts (%) |
APR |
Max LTV |
Max #
|
Monthly
|
| Servicing Retained by CGSB | ||||||
| 15 Year Fixed | 4.000% | 2 | 4.306% | 80% | 180 | $7.40 |
| 4.000% | 1 | 4.155% | 80% | 180 | $7.40 | |
| 4.250% | 0 | 4.250% | 80% | 180 | $7.52 | |
| 20 Year Fixed | 4.375% | 2 | 4.613% | 80% | 240 | $6.26 |
| 4.500% | 1 | 4.625% | 80% | 240 | $6.33 | |
| 4.500% | 0 | 4.500% | 80% | 240 | $6.33 | |
Notes to Adjustable Rate Loans with Servicing Retained by CGSB:
Payment examples do not include real estate taxes and insurance premiums. If an escrow account
for taxes and/or insurance premiums is required or requested, the actual payment obligation will be
greater.
For all ARM loans, the APR may increase after the loan closes.
Maximum LTV equals the ratio of the loan amount to the lower of purchase price or appraised value.
Monthly repayment is based on the maximum term.
Construction loan program information available upon request.
Home Equity Lines of Credit information available upon request.
Other loan program information, including a 5/1 adjustable rate loan available upon request.
|
Rate |
Pts (%) |
APR |
Max LTV |
Caps |
Max #
|
Monthly
|
| Servicing Retained by CGSB | |||||||
| 3/3 ARM | 3.875% | 2.0% | 4.04% | 80% | 2/6 | 360 | $4.70 |
| 1/1 ARM | 3.250% | 2.0% | 3.41% | 80% | 2/6 | 360 | $4.35 |
| New Mobile Homes & Double Wides. Up to 10 years old (all on own land). | |||||||
| 3/3 ARM | 3.875% | 2.0% | 4.10% | 80% | 2/6 | 240 | $5.99 |
| 1/1 ARM | 3.250% | 2.0% | 3.47% | 80% | 2/6 | 240 | $5.67 |
| New Mobile Homes in Park/Coop | |||||||
| 1/1 ARM | 4.250% | 2.0% | 4.48% | 80% | 2/6 | 240 | $6.19 |
| Residential Land | |||||||
| 3/3 ARM | 3.875% | 2.0% | 4.10% | 65% | 2/6 | 240 | $5.99 |
| 1/1 ARM | 3.250% | 2.0% | 3.47% | 65% | 2/6 | 240 | $5.67 |
Notes to Consumer Loans:
Maximum LTV equals the ratio of the loan amount to the lower of purchase price (if applicable) or retail
book value (usually NADA value).
Monthly repayment is based on the maximum term.
Consumer Loan Rates |
Term (months) |
Down Payment |
Interest Rate |
APR |
Monthly
|
| Auto, Motorcycles - New (2010) | 60 | 0% | 6.90% | 8.34% | $20.44 |
| Motor Homes - New (2010) | 60 | 0% | 7.90% | 9.37% | $20.94 |
| Auto, Motorcycles - Used (2009 - 2006) | 60 | 0% | 7.90% | 9.37% | $20.94 |
| Auto, Motorcycles - Used (2005-2003) | 48 | 0% | 8.90% | 10.70% | $25.70 |
| Auto , Motorcycles- Used (2002 - 1996) | 36 | 0% | 10.90% | 13.28% | $33.83 |
| Motor Homes - Used (2009 - 2006) | 60 | 0% | 8.90% | 10.37% | $21.43 |
| Motor Homes - Used (2005-2003) | 48 | 0% | 9.90% | 11.73% | $26.20 |
| Motor Homes - Used (2002-1996) | 36 | 0% | 11.90% | 14.29% | $34.32 |
| New ATVs, Boats, Camper Trailers, Snow Machines | 60 | 0% | 8.90% | 10.37% | $21.43 |
| Used ATVs, Boats, Camper Trailers, Snow Machines | 48 | 0% | 10.90% | 12.74% | $26.70 |
|
Unsecured Loans ($10,000.00 max) |
48 | NA | 15.50% | 17.40% | $29.06 |
| Home Improvement Loan | 60 | NA | 9.90% | 11.40% | $21.94 |
|
Secured Loans: Passbook Savings Certificate of Deposit Stock Other Collateral |
Rates and terms vary depending on collateral | ||||
|
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