Index = 1.70
Prime = 5.25 (4/1/08)

Rates for the month of May, 2008

Loan Type Amount Financed Terms Available
(years)		 APR*
(%)		 Variable APR*
(%)		 Est. Payment per mo/per $1,000 borrowed
Signature/All Purpose 30% of gross income up to $25,000, including all unsecured debt ($10,000 out of NY State) 5
4
3
2
1		 14.90
13.90
12.90
11.90
10.90 		  $25.68 E
$29.13 E
$35.42 E
$48.73 E
$90.01 E
Signature Line-of-Credit   3 12.90+   $35.42 E
Share Draft Loan Protection   3 13.90+   $35.92 E
Share Secured 100% of account balance 4 3.90+   $24.17 E
Certificate Secured 100% of account balance 7   Cert. Rate + 1*  
Stock Secured Up to 60% of Market Value

Up to 80% of Market Value		 3
5
5		 7.00
8.00
 

 

10.00* (Index+4) floor

 $32.55 E
$22.04 E

Boat / Camper / Motor Home
Over 20k requires appraisal		 90% financing on New, 85% on Used 5
10
15 (over $30K)		 6.90
7.90
8.90		   $21.49 E
$14.06 E
$12.33 E
New and Used Mobile Home
(2008-2000)		 85% of the Appraised Value 5
10
15 (over $30K)		   10.00* (Index+6)
10.00* (Index+7)
10.07* (Index+8)
  
Variable Rate - All Other Secured- Snowmobiles, ATV's Credit score determines the % of financing. 725+=110%, 724-625 = 100%, 624 or less 90%

3

5

7.75

8.75

10.00* (Index+7)

10.31*(Index+8)

$32.89 E

$22.41 E

All-Purpose Home Equity
No Closing Cost**
($5,000 - $100,000)

 85% loan-to-value

5
10
15 (Min $25k)

6.50+
7.50+
8.50+

  

$21.23 E
$13.83 E
$12.06 E

Land Purchase Loan
($3,000 - $25,000)		 75% loan-to-value 3
5
7
10 (Over $15k)
 9.50+
10.50+
11.50+
12.50+

 

 

 $33.75 E
$23.33 E
$19.36 E
$16.82 E
Equity Enhancement Loan
($5,000 - $50,000)		 up to 105% loan-to-value % determined by credit score 5
7
10		 7.25+
8.25+
9.25+		   $21.66 E
$17.57 E
$14.84 E
Revolving Home Equity LOC
($15,000 - $100,000)
80% loan-to-value
 15/15

 
(prime)
5.25%*
1.00% E
Classic VISA $500 - $5,000   12.90*   3% of balance
Platinum VISA

 

$5,000 - $25,000

Balance transfer rate is 9.79% from another institutions card

    (Prime + 3.9)=(Floor 9.15%)* 2% of balance

 

+ = Premiere Checking Discount only

* = Discounts do not apply

** = 3 year payoff limit to recapture all cost.

*** APR = Annual Percentage Rate.

Note:

  • Minimum monthly payments of loans = $20.00 with a minimum repayment schedule of $1,000.00 per year.
  • The variable rate changes monthly according to the average annual return of the 26-week Treasury Bill as determined by the U.S. Treasury' auction of Treasury Bills during the previous month (10% Floor)