Rates

All accounts insured up to $250,000 by NCUA and amounts over $250,000 by the MSIC

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Earn interest while you save. Our low minimum balance requirements makes it easy for almost anyone to start saving. And you can even access your funds 24/7 with a Debit card (not available on “club” accounts). Our club accounts offer you a convenient way to put-away money today for expenses later in the year.

Savings Type	Min Balance	Rate	APY
Regular Savings	$25.00	.30%	.30%
Christmas Club	$25.00	.35%	.35%
Fuel Club	$25.00	.35%	.35%
Vacation Club	$25.00	.35%	.35%

Our checking accounts offer you free home banking with bill pay and ability to access your funds with our ATM/Debit card. And as a member of the SUM® networks you can access your funds for free wherever the SUM logo is displayed.

Checking Type	Min Balance	Rate	APY
Regular Checking	$25	.00%	.00%
Preferred Checking*	$500	.15%	.15%
	$2,500	.20%	.20%
	$5,000	.30%	.30%
	$10,000	.50%	.50%
Gold Checking	$15,000	1.10%	1.10%

A great place to “park” your funds when you want to stay liquid but still earn higher rates.

Min Balance	Max Balance	Rate	APY
$25	$1,499.99	.30%	.30%
$1,500	$2,499.99	.35%	.35%
$2,500	$9,999.99	.40%	.45%
$10,000	$24,999.99	.55%	.55%
$25,000	$74,999.99	.65%	.65%
$75,000	$99,999.99	.75%	.75%
$100,000	NA	.90%	.90%

Earn attractive rates on the term of your choice with the comfort of knowing your accounts are fully-insured up to $250,000 by the NCUA. Amounts over $250,000 are insured by Massachusetts Share Insurance Corporation (MSIC). There may be penalties for early withdrawals.

Term (Months)	Min Balance	Rate	APY
3	$500	.50%	.50%
6	$500	.60%	.60%
12	$500	1.03%	1.05%
18	$500	1.09%	1.10%
24	$500	1.49%	1.50%
36	$500	1.78%	1.80%
48	$500	2.37%	2.40%
60	$500	2.57%	2.60%

Term (Months)	Min Balance	Rate	APY
18	$500	1.54%	1.55%
24	$500	1.69%	1.70%
36	$500	1.83%	1.85%
48*	$25,000	2.18%	2.20%

From time-to-time almost everyone has the need for a personal loan for any number of reasons. Our signature loans offer you a convenient way to borrow funds for a variety of terms and applying is easy!

For those who may not have the need now but simply want to know they have a pre-approved credit line available consider our personal line-of-credit loan. You only pay interest when you borrow against your limit and as you pay-off the balance the line is available for you to use again later.

Worried about bouncing checks? Apply for our overdraft account and sleep tight.

For those that have money in a savings/share account, or own stock certificates, you can simply pledge those assets for a loan and pay less in interest.

Unsecured	Term	APR	Per $1000
Personal	12	11.00%	$88.40
Personal	24	12.00%	$47.09
Personal	36	13.00%	$33.71
Personal	48	14.00%	$27.34
Line of Credit	NA	9.50%	Na
Overdraft	NA	16.00%	Na
Unsecured	Term	APR	Per $1000
Share Secured *	30	4% Over	Na
Stock Secured**	24	10.25%	$46.27
Stock Secured**	36	10.25%	$32.40
Stock Secured**	48	10.85%	$25.79
Stock Secured**	60	10.85%	$21.68

* Maximum loan is 90% of collateral ** Max loan is 75% of stock market value. Must NYSE listed

If you’re in the market for a new or used auto you’ll find that we offer some of the most attractive auto rates around. In fact, you can save yourself money shopping for a car buy by applying for a loan first and then go shopping as a cash buyer and negotiate a cheaper price!

In addition to our many terms and great rates, you can also save yourself even more money by purchasing a warranty or GAP insurance policy through us and at a fraction of the cost most dealers will offer it to you for!

Model Year	Max LTV	1-36 Mos	37-48 Mos	49-60 Mos	61-66 Mos	67-72 Mos
New	110%	3.99%	4.49%	4.74%	5.49%	5.74%
Used
2009	110%	4.24%	4.74%	4.99%	NA	NA
2008	110%	4.49%	4.99%	5.24%	NA	NA
2007	110%	4.74%	5.24%	5.49%	NA	NA
2006	100%	5.24%	5.74%	5.99%	NA	NA
2005	80%	6.24%	6.74%	NA	NA	NA
2004 & older	80%	6.99%	7.49%	NA	NA	NA

We offer an attractive array of home equity programs designed for your specific needs. On all loans and lines up to 80% we even pay all normal closing costs. For loans and lines over 80% you pay the closing costs which typically range from approx. $325 to $475. Both loans and lines of credit have a $25,000 minimum loan amount and a maximum of $250,000.

Our home equity line of credit allows you to access the equity in your home for any purpose you want, whenever you want. You only pay interest on the balance outstanding and as you pay down your balance you credit limit is freed up for future purposes.

The rate on our Line of Credit is tied to the prime rate on the last business day of the previous month plus any margin your loan may have as indicated in the table below.

All Lines of Credit feature a 10 year draw period (most other institutions only provide a 5-year draw period) followed by a 15 year repayment plan.

Loan-to-Value	Up to 80.00%	80.01%-85.00%	85.01%-90.00%	90.01%-95.00%
Margin *	0.00%	2.50%	3.50%	4.50%
Rate	3.25%	5.75%	6.75%	7.75%

· The “Margin” is the amount added to the index (Prime Rate) to determine your interest rate.

All of our Home Equity loans feature a fixed rate for the life of your loan. They are ideal for those who already have a specific purpose in mind such as home improvements, debt consolidation, a wedding, a new car, etc.

The rates indicated below are only for loans with loan-to-values up to 80%. Please call for rates on loans exceeding 80%.

Term	Rate	APR	Per $1000
10 Yrs	5.99	5.99	$11.10
15 Yrs	6.24	6.24	$8.57
20 Yrs	6.49	6.49	$7.45

We offer a full range of mortgage products for the purchase or refinance of primary homes, vacation homes or investment property. We can loan up to 97% and $900,000. Better still, unlike many institutions we service all of our mortgages so you won’t need to worry about your loan being sold and sending your payment to someone you don’t know.

All rates shown below are for 1 to 4 family owner-occupied primary homes. Additional rate and point programs are also available on most products. Rates displayed are for conforming loan amounts.

Rate Program	Term	Rate	Points	A.P.R.	Per $1,000
Fixed Rate	10 Yrs	4.25%	0	4.25%	$10.24
Fixed Rate	15 Yrs	4.75%	0	4.75%	$7.78
Fixed Rate	20 Yrs	5.25%	0	5.25%	$6.74
Fixed Rate	30 Yrs	5.375%	0	5.375%	$5.60
1 Yr ARM	30 Yrs	3.99%	0	3.99%	$4.77
3-1 ARM	30 Yrs	4.50%	0	4.50%	$5.07
5-1 ARM	30 Yrs	5.00%	0	5.00%	$5.37

We also offer loans on light commercial properties. Call one of our mortgage representatives for more specific information and for rates and terms available.