LOAN RATES

Rates effective - June 19, 2017.
 

Personal Loans

Loan

APR*% as low as

Max term

Max Amount

Personal Loan

13.00%

12 Months

$8,000

Personal Loan

13.50%

24 Months

$8,000

Personal Loan

14.00%

36 Months

$8,000

Personal Loan

15.00%

48 Months

$8,000

Personal Loan

15.50%

60 Months

$8,000

Personal Loan

16.00%

72 Months

$8,000

 

  

VISA Cards

Loan

APR*% as low as

Max term

Max Amount

Visa Platinum Variable Rate Card

9.25%^

(Prime + 5%)

None

$8,000

VISA Platinum Reward Card

11.00%^

None

$15,000

^ Rate may be increased after consummation
† APR is variable and tied to the current Wall Street Journal prime rate of 4.25%.

 

 

New & Used Car Loans**

APR*% as low as

Max term

1.99%

36 Months

1.99%

48 Months

2.49%

60 Months

2.99%

72 Months

**Max Amount $50,000.
 

We finance new and used cars, trucks, and SUV's with some of the best rates around and no gimmicks. If you already have an auto loan through another lender, but our rate looks better, save money by refinancing with us. NADA Guides for New Car, Used Car and Classic Car.

 


New & Used Motorcycle Loans**

APR*% as low as

Max term

4.49%

24 Months

4.99%

36 Months

5.49%

48 Months

5.99%

60 Months

6.99%

72 Months

(Minimum $20,000)

**Max Amount $50,000.

 


Home Improvement Loans

Loan

APR*% as low as

Max term

Max Amount

Home Improvement Line of Credit Variable Rate

Prime + 1% with floor of 6%*

7 years

$20,000

Home Improvement Fixed Rate

Prime + 4%

8.25%

7 years

$20,000

Energy Loan

7.25%

7 years

$10,000

Heat Loan

0.00%

7 years

$25,000

APR is variable and tied to the current Wall Street Journal prime rate of 4.25%, with a floor of 6%.

* APR - Annual Percentage Rate. Rate may be increased after consummation.

NMLS# 413497
 


Shared/Certificate Secured Loans

Loan

APR*%

Max term

Max Amount

Share Secured Loan

6.50%

10 Years

Balance of Account

Certificate Secured Loan

4% Above Certificate Rate

10 Years

Balance of Account

  


Education Loans

Loan

APR*%

Max term

Max Amount

Education Loan

10.00%

48 Months

$5,000

 

 
Recreational Vehicle Loans

Loan

APR*% as low as

Max term

Max Amount

Titled RV^

4.45%

2 Years

$80,000

Titled RV^

4.95%

3 Years

$80,000

Titled RV^

5.45%

4 Years

$80,000

Titled RV^

5.95%

5 Years

$80,000

Titled RV^

6.25%

>5-7 Years

$80,000

       

Titled RV^^

6.50%

>8-10 Years

$80,000

Titled RV^^

6.75%

>11-15 Years

$80,000

       

Untitled RV^^

8.45%

2 Years

$15,000

Untitled RV^^

8.95%

3 Years

$15,000

Untitled RV^^

9.45%

4 Years

$15,000

Untitled RV^^

9.95%

5 Years

$15,000

^ Up to 90% financing.

^^ Up to 80% financing.

 

Solar Loans

Loan

APR*%

Max term

Max Amount

Solar Loan

5.50%

15 Years

$50,000

APR = annual percentage rate. $90.00 maximum closing costs. Standard 10-year repayment term, or up to 15 years. Up to 12 months of interest-only payments during construction. Unsecured loans available. Ability to re-amortize within the first 18 months at no cost.

 

 

Home Mortgage Loans

Rates change daily. Please call 413-774-6700 for the most recent rates.
 

Home Equity Loans

Loan

APR**%

Max term

Max Amount

Home Equity Fixed Rate (Second Mortgage)

as low as 5.75%

20 years

$200,000

Home Equity Line of Credit

as low as

4.25%†*

5 year draw period with 15 year repayment term

$200,000

APR is variable and tied to the current prime rate as published in Wall Street Journal, prime rate currently is 4.25%.

* Rate may be increased after consummation

 

**APR = Annual percentage rate

NMLS# 413497

 

 

DEPOSIT RATES

Rates effective - June 19, 2017.
 

Savings (Share) Accounts

Deposit

Dividend Rate

APY**

Regular Shares

0.05%*

0.05%*

* The rate may change after the account is opened

 

Money Market Accounts

Deposit

Dividend Rate

APY**

$25 - $499.99

0.05%*

0.05%*

$500 - $19,999.99

0.10%*

0.10%*

$20,000-$74,999.99

0.10%*

0.10%*

Over $75,000

0.10%*

0.10%*

* The rate may change after the account is opened

 

Term Certificates (Certificates of Deposit)
Term Certificates require a $500 minimum deposit.

Deposit Term

Dividend Rate

APY**

6 Month

0.25%*

0.25%*

12 Month

0.45%*

0.45%*

15 Month

0.50%*

0.50%*

18 Month

0.50%*

0.50%*

24 Month

0.65%*

0.65%*

36 Month

1.00%*

1.01%*

48 Month

1.40%*

1.41%*

60 Month

1.65%*

1.66%*

*Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawals.

 

Vacation Club

Deposit

Dividend Rate

APY**

Vacation Club

0.10%*

0.10%*

* The rate may change after the account is opened.

 

Kids Club

Deposit

Dividend Rate

APY**

Kids Club

0.10%*

0.10%*

* The rate may change after the account is opened.

 

Christmas Club

Deposit

Dividend Rate

APY**

Christmas Club

0.10%*

0.10%*

* The rate may change after the account is opened.

 

IRAs (Traditional, ROTH & Educational)

Deposit

Dividend Rate

APY**

Share (Savings) IRA

0.10%*

0.10%*

6 Month

0.25%*

0.25%*

12 Month

0.45%*

0.45%*

15 Month

0.50%*

0.50%*

18 Month

0.50%*

0.50%*

24 Month

0.65%*

0.65%*

36 Month

1.00%*

1.01%*

48 Month

1.40%*

1.41%*

60 Month

1.65%*

1.66%*

*Fees could reduce the earnings on the account. A penalty will or may be imposed for early withdrawals.

 

**APY - Annual Percentage Yield. All share and term accounts use the average daily balance method for dividend calculation. Dividends are posted and compounded monthly.

 

All share and term accounts use the average daily balance method for dividend calculation. Dividends are posted and compounded monthly.