| |
Current
Rates
|
NEW AND USED
COLLATERAL RATES
(EFFECTIVE 8/24/2011) |
|
Score |
24 MO |
36 MO |
48 MO |
60 MO |
72 MO |
*84 MO |
|
730 & Above |
3.24% |
3.24% |
3.24% |
3.24% |
4.75% |
5.50% |
|
680-729 |
3.24% |
3.24% |
3.24% |
3.24% |
5.00% |
6.00% |
|
640-679 |
5.50% |
5.50% |
5.50% |
5.50% |
6.25% |
6.75% |
|
600-639 **90% |
7.75% |
8.00% |
8.25% |
8.50% |
9.25% |
9.75% |
|
550-599 **80% |
9.75% |
10.25% |
10.75% |
11.25% |
n/a |
n/a |
|
549-lower **80% |
13.75% |
14.25% |
14.75% |
15.25% |
n/a |
n/a |
*Must finance Over
$20,000
**Of asking price or
MSRP whichever is lower
.25% reduction for
automatic payment, some
restrictions may apply
|
Title Campers &
Boats over $20,000 |
|
Up to 120 Mo |
|
730 & above |
6.00% |
Estimated
pay $11.49 per $1000 |
|
680-729 |
6.50% |
Estimated
pay $11.75 per $1000 |
|
640-679 |
7.25% |
Estimated
pay $12.14 per $1000 |
|
All Rates are
"As low As" |
|
Guarantor Loan |
13.25% |
|
|
FHA Loans
Limit $25,000 up to 20
yrs. |
8.50% |
|
|
Real Estate
Loans
Only within the State of
Maine |
Call
for Details |
|
|
Home Equity
Loans
Only within the State of
Maine |
Prime
+ 0% |
|
|
|
Mobile Home and
Land |
|
|
15 years |
8.00% |
|
20 years |
8.25% |
|
|
|
Land Seasonal
Property |
|
|
15 years |
8.00% |
|
|
|
Open End and
Unsecured Loans
(Limit $5000) |
|
|
60 months |
13.75% |
|
|
Open End
Advances (min $500)
New application
every 18 mos. or when
limit changes. |
|
| Open
End Loan Drafts |
6.00%
above
prime adjusted
semi-annually |
| Loan
secured by shares |
3.50%
above
share rate |
| VISA |
9.90% |
| Loans
secured by Certificates
Due at the maturity of
the Certificate |
3.50%
above rate
of Certificate |
|
Savings Rates
effective January 1,
2011 |
|
Type |
Minimum
Balance |
Dividend Rate |
Annual
Percentage
Yield |
|
Share Savings |
$25.00 |
.25% |
.25% |
|
Club Accounts |
$25.00 |
.25% |
.25% |
|
Youth Accounts |
$5.00 |
.25% |
.25% |
|
6 mo Certificate |
$500.00 |
.75% |
.76% |
|
12 mo
Certificate |
$500.00 |
1.00% |
1.01% |
|
24 mo
Certificate |
$500.00 |
1.50% |
1.51% |
|
36 mo
Certificate |
$500.00 |
2.00% |
2.02% |
IRA - Individual
Retirement Accounts
$25.00 minimum
balance |
None |
1.25% |
1.26% |
|
Money Market
Rates effective
September 23, 2010 |
|
Tiers |
Minimum
Balance |
Dividend Rate |
Annual
Percentage
Yield |
| Tier
1 |
$2,000.00 |
.45% |
.45% |
| Tier
2 |
$25,000.01 |
.55% |
.55% |
| Tier
3 |
$50,000.01 |
.65% |
.65% |
|
|
|
