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Rates Effective:
12/1/2008
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| Rates are subject to change at any time |
| Hometown Advantage |
| Rate | APR | Terms | Points | Down | Payment Per $1,000 |
|
4.750
|
5.084
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15 Years
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2
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5%
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$7.78
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5.375
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5.402
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15 Years
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0
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5%
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$8.10
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5.000
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5.264
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20 Years
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2
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5%
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$6.60
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5.500
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5.522
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20 Years
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0
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5%
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$6.88
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5.250
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5.356
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30 Years
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2
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5%
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$5.52
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5.625
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5.641
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30 Years
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0
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5%
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$5.76
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| *Loans must meet secondary market guidelines, Hometown Advantage loans require minimum 5% down payment |
| Conventional Fixed Rate Mortgages |
| Rate | APR | Terms | Points | Down | Payment Per $1,000 |
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5.000
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5.354
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15 Years
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2
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5%
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$7.91
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5.375
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5.575
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15 Years
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1
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5%
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$8.10
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0
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0
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15 Years
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0
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5%
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0
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0
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30 Years
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2
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5%
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0
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0
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30 Years
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1
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5%
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6.125
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6.152
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30 Years
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0
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5%
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$6.08
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| **Minimum loan amount $140,000 cash out refinance max. Loan to Value 70%, loans sold to secondary market servicing released |
| No Nonsense Mortgage 20% Down |
| Type | Rate | APR | Terms | Points | Down | Payment Per $1,000 |
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Fixed
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5.875
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5.875
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15 Years
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0
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20%
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$8.37
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5/1 ARM
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5.625
**
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4.603
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30 Years
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0
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20%
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$5.76
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7/1 ARM
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5.875
**
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4.927
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30 Years
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0
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20%
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$5.92
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**Adjustable Rate Mortgage
- Interest rates adjust annually after the first five years (for 5/1 ARM) to 3% over the 1-year US Treasury Index
- Interest rates adjust annually after the first seven years (for 7/1 ARM) to 3% over the 1-year US Treasury Index
- Annual limit on interest rate change is 2%
- Lifetime cap of 6% over initial interest rate
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| No Nonsense Mortgage >10% Down |
| Type | Rate | APR | Terms | Points | Down | Payment Per $1,000 |
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5/1 ARM
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6.125
**
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4.811
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30 Years
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0
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>10%
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$6.08
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7/1 ARM
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6.375
**
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5.215
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30 Years
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0
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>10%
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$6.24
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**Adjustable Rate Mortgage
- Interest rates adjust annually after the first five years (for 5/1 ARM) to 3% over the 1-year US Treasury Index
- Interest rates adjust annually after the first seven years (for 7/1 ARM) to 3% over the 1-year US Treasury Index
- Annual limit on interest rate is 2%
- Lifetime cap of 6% over initial interest rate
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| No Nonsense Construction |
| Type | Rate | APR | Terms | Points | Down | Payment Per $1,000 |
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5/1 ARM
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5.625
**
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4.683
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30 Years
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1
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20%
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$5.76
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5/1 ARM
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6.125
**
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4.866
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30 Years
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1
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15%
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$6.08
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**Adjustable Rate Mortgage
- Interest rates adjust annually after the first five years (for 5/1 ARM) to 3% over the 1-year US Treasury Index
- Annual limit on interest rate change is 2%
- Lifetime cap of 6% over initial interest rate
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| Vermont Housing Finance Agency (VHFA) |
| Rate | APR | Terms | Points | Down | Payment Per $1,000 |
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6.300
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6.308
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30 Years
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0
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0%
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$6.19
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6.800
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6.808
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30 Years
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0
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Cash Assistance
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$6.52
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| 1-4 Family Investment |
| Type | Rate | APR | Terms | Points | Down | Payment Per $1,000 |
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5/1 ARM
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6.125
**
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5.116
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30 Years
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0
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25%
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$6.08
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5/1 ARM Construction
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7.500
**
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5.254
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30 Years
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1
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25%
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$6.99
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** Adjustable Rate Mortgage
- Interest rates adjust annually after the first five years(for 5/1ARM) to 3.5% over the 1-year US Treasury Index
- Annual limit on interest rate change is 2%
- Lifetime cap of 6% over initial interest rate
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| 1-2 Unit Investment Properties |
| Rate | APR | Terms | Points | Down | Payment Per $1,000 |
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0
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0
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15 Years
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2
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25%
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7.000
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7.231
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30 Years
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2
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25%
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$6.65
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| *Purchase and rate/term refinance. |
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| Rates Effective:
12/1/2008 |
| Rates are subject to change at any time |
| Home Equity Flex Line of Credit |
| Rate | APR | Period of Repayment | Points | Fees | Minimum Payment
Per $1,000 |
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3.990 *
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3.990
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120 Months
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0
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195.00
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$6.03
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3.490 **
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3.490
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120 Months
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0
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195.00
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$6.87
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* Lines of $20,000 - $99,999
**Lines of $100,000 - $250,000
- APR = Annual Percentage Rate
- Lower introductory rate may apply. New credit lines only
- Loans may not exceed 80% of the home value
- Interest rate is variable and subject to change monthly
- Interest rate will equal prime rate as published in the Wall Street Journal -0.01% for lines of $20,000 to $99,999
- Interest rate will equal prime rate as published in the Wall Street Journal -0.51% for lines of $100,000 to $250,000
- Interest rate will never exceed 18%
- Balloon Payment = a lump sum payment may be required when the plan ends
- Fee waived with existing or new personal checking account
- Ask about our FRO (Fixed Rate Option)
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| Rates Effective:
12/1/2008 |
| Rates are subject to change at any time |
| New Auto Loans |
| Model Year | APR | Auto
Payment
APR | Terms | Down | Payment Per $1,000 |
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2009
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6.600
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6.630
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60 Months
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0%
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$19.61
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2009
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6.600
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6.628
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72 Months
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0%
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$16.86
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| Used Auto Loans |
| Model Year | APR | Auto
Payment
APR | Terms | Down | Payment Per $1,000 |
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2008,2007
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6.900
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6.951
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60 Months
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0%
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$19.75
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2006,2005
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7.300
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7.384
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48 Months
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0%
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$24.09
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| Recreational Vehicle Loans |
| Model Year | APR | Auto
Payment
APR | Terms | Down | Payment Per $1,000 |
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- Financing is available for Snowmobiles, ATV’s, Motorcycles, Boats, Campers and Motorhomes. Ask about your
financing options!
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