|
Rates last
changed August 15, 2011.
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 |
8.25%† |
None |
$8,000 |
|
VISA
Platinum Reward Card |
11.00% |
None |
$15,000 |
New & Used Car Loans
|
APR%
as low as |
Max
term |
|
3.99% |
36
Months |
|
4.49% |
48
Months |
|
4.99% |
60
Months |
|
5.49% |
72
Months |
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) |
Home
Improvement Loans
|
Loan |
APR%
as low as |
Max
term |
Max
Amount |
|
Home
Improvement Line of Credit |
†Prime + 1% with floor of 6% |
7 years |
$20,000 |
|
Home
Improvement Fixed Rate |
Prime + 4%
7.25% |
6 years |
$20,000 |
|
Energy
Loan |
Prime +
3%
6.25% |
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 3.25%, with a floor of 6%.
Shared/Certificate Secured Loans
|
Loan |
APR% |
Max
term |
Max
Amount |
|
Share
Secured Loan |
6.50% |
10 Years |
Balance
of Account |
|
Certificate Secured Loan |
Please Call! |
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 |
7.45% |
24
Months |
$80,000 |
|
Titled
RV |
7.95% |
36
Months |
$80,000 |
|
Titled
RV |
8.45% |
48
Months |
$80,000 |
|
Titled
RV |
8.95% |
60
Months |
$80,000 |
|
Titled
RV |
9.25% |
84
Months |
$80,000 |
|
Titled
RV |
9.50% |
120
Months |
$80,000 |
|
Titled
RV |
9.50% |
180
Months |
$80,000 |
|
Untitled
RV |
10.45% |
24
Months |
$15,000 |
|
Untitled
RV |
10.95% |
36
Months |
$15,000 |
|
Untitled
RV |
11.45% |
48
Months |
$15,000 |
|
Untitled
RV |
11.95% |
60
Months |
$15,000 |
Home Mortgage Loans
|
Loan |
APR% |
Max
term |
Max
Amount |
Rates are
variable and subject to sudden change. 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) |
5.125% |
20 years |
$200,000 |
|
Home
Equity Line of Credit |
4.00%† |
20 years |
$200,000 |
† APR is variable and tied to the current Wall
Street Journal prime rate of 3.25%, with a floor of 4%.
|
|
Rates
effective November 16, 2011.
Savings (Share)
Accounts
|
Deposit |
APR* |
APY* |
|
Regular
Shares |
0.10% |
0.10% |
Money Market Accounts
|
Deposit |
APR* |
APY* |
|
$25 -
$499.99 |
0.10% |
0.10% |
|
$500 -
$9,999.99 |
0.15% |
0.15% |
|
$10,000-$24,999.99 |
0.25% |
0.25% |
|
$25,000-$49,999.99 |
0.35% |
0.35% |
|
Over
$50,000.00 |
0.45% |
0.45% |
Term Certificates
(Certificates of Deposit)
Shares and IRA accounts.
Term Certificates require a $500 minimum deposit.
|
Deposit Term |
APR* |
APY* |
|
6 Month |
0.45% |
0.45% |
|
12 Month |
0.50% |
0.50% |
|
15 Month |
0.70% |
0.70% |
|
18 Month |
0.75% |
0.75% |
|
24 Month |
1.00% |
1.00% |
|
36 Month |
1.25% |
1.26% |
|
48 Month |
1.50% |
1.51% |
|
60 Month |
2.00% |
2.02% |
Vacation Club
|
Deposit |
APR* |
APY* |
|
Vacation
Club |
0.20% |
0.20% |
Kids Club
|
Deposit |
APR* |
APY* |
|
Kids
Club |
0.20% |
0.20% |
Chrismas Club
|
Deposit |
APR* |
APY* |
|
Christmas
Club |
0.20% |
0.20% |
IRAs (Traditional, ROTH &
Educational)
|
Deposit |
APR* |
APY* |
|
Share
IRA |
0.30% |
0.30% |
|
Share
IRA w/Direct Deposit |
0.35% |
0.35% |
|
6 Month |
0.45% |
0.45% |
|
12 Month |
0.50% |
0.50% |
|
15 Month |
0.70% |
0.70% |
|
18 Month |
0.75% |
0.75% |
|
24 Month |
1.00% |
1.00% |
|
36 Month |
1.25% |
1.26% |
|
48 Month |
1.50% |
1.51% |
|
60 Month |
2.00% |
2.02% |
*APR - Annual Percentage Rate. APY - Annual Percentage
Yield. All share and term accounts use the average daily
balance method for dividend calculation. Dividends are
posted and compounded monthly.
|
