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 # Months Repayment
|
Monthly Repayment Per $1000
|
|
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 |
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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.
Fixed Rates
|
Rate
|
Pts (%)
|
APR
|
Max LTV
|
Max # Months Repayment
|
Monthly Repayment Per $1000
|
|
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 |
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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.
Adjustable Rates
|
Rate
|
Pts (%)
|
APR
|
Max LTV
|
Caps |
Max # Months Repayment
|
Monthly Repayment Per $1000
|
|
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 |
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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 Repayment Per $1000
|
|
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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