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Loan Rates
Rates effective as of
1/01/2013
Vehicle Loans
2008 and Newer Vehicle Rates:
| Term | APR* as low as | Payment per $1000 |
| 36 mo. | 2.24% | $28.75 |
| 48 mo. | 2.74% | $22.03 |
| 60 mo. | 2.99% | $17.97 |
| 72 mo. | 3.49% | $15.42 |
2007 and Older Used Vehicle Rates:
| Term | APR* as low as | Payment per $1000 |
| 36 mo. | 3.24% | $29.19 |
| 48 mo. | 3.74% | $22.47 |
| 60 mo. | 3.99% | $18.42 |
*Annual Percentage Rate. Rate includes a .25% APR reduction for payroll deduction. Your individual rate will depend on your credit worthiness. Please consult with a loan officer for more information. Terms are based on the year, condition and mileage of the vehicle. Rates are applicable on purchases and refinancing of loans from other institutions.
Recreational Loans
2008 and Newer Recreational Vehicle Rates:
| Term | APR* as low as | Payment per $1000 |
| 36 mo. | 3.29% | $29.21 |
| 48 mo. | 3.74% | $22.47 |
| 60 mo. | 3.99% | $18.42 |
| 120 mo. | 6.99% | $11.61 |
2007 and Older Used Recreational Rates:
| Term | APR* as low as | Payment per $1000 |
| 36 mo. | 4.24% | $29.63 |
| 48 mo. | 4.74% | $22.92 |
| 60 mo. | 4.99% | $18.87 |
* Annual Percentage Rate. Rate includes a .25% apr reduction for payroll deduction. Your individual rate will depend on your credit worthiness. Please consult with a loan officer for more information. Terms are based on the year, condition and value of the collateral. Rates are applicable on purchases and refinancing of loans from other institutions.
Mortgage Loans
1st Mortgage/Home Equity - Fixed Rates:
| Term | Rate / APR* | Payment per $1000 |
| 5 yr. | 3.99 / 4.241% | $18.42 |
| 7 yr. | 4.25 / 4.433% | $13.79 |
| 10 yr. | 4.50 / 4.632% | $10.37 |
| 12 yr. | 4.75 / 4.863% | $9.13 |
*Annual Percentage Rate is fixed over the term of the loan and is based on a loan amount of $100,000.00 for each of the terms disclosed. All rates, terms and conditions are subject to credit approval and may change at any time without notice. Payment per $1000 does not include taxes or insurance premiums. Payments are estimates and include only principal and interest. Maximum loan amount for all in-house mortgages is $100,000, maximum loan to value of 80%. This is a partial listing of the mortgage programs available, please contact Cindy for additional information 1-800-464-3773.
2nd Mortgage/Home Equity - Fixed Rates:
| Term | Rate / APR* | Payment per $1000 |
| 5 yr. | 5.25 / 5.345% | $18.99 |
| 7 yr. | 6.50 / 6.570% | $14.38 |
| 10 yr. | 6.75 / 6.801% | $10.98 |
*Annual Percentage Rate is fixed over the term of the loan and is based on a loan amount of $50,000.00 for each of the terms disclosed. All rates, terms and conditions are subject to credit approval and may change at any time without notice. Payment per $1000 is an estimate of principal and interest only. Maximum loan amount for all in-house mortgages is $100,000, maximum loan to value of 80%.
Home Equity Line of Credit - Variable Rate:
| Term | APR* | Payment per $1000 |
| Open End | 4.00% | n/a |
*Annual Percentage Rate on a Home Equity Line of Credit is based on the Prime Rate as published in the Wall Street Journal (45 days prior to the end of each quarter) plus 0%. The current variable APR of 4% is effective as of 12/31/12. The maximum APR is 17% and the minimum APR is 4%. The minimum monthly payment is the higher of $100 or 1.5% of the outstanding balance as of the last advance. Closing costs are typically $200-250 excluding the cost of an appraisal. If required, an appraisal is generally $250-350. Closings are usually within 21 days depending on 3rd party timetables.
Secondary Market: Additional Rates and programs with terms up to 30 years are available thru CUSO Mortgage. Please contact Cindy at (207) 623-3857 for current rates or additional information.
Other Loans
| Type | Terms | Max. Loan $ | APR* | Payment per $1000 |
| Personal and Consolidation | 36 mo. | 1 month's gross Income | As low as 8.99% | $31.80 |
| 48 mo. | $24.89 | |||
| 60 mo. | $20.76 | |||
| Computer Loans | 12 mo. | $1,500 | 3.95% | $85.13 |
| 36 mo. | $2,000 | 6.95% | $30.85 | |
| Share Draft Line of Credit | 5% of payment/$50 minimum | $2,500 | 15.00% | - |
| Share Secured | 36 mo. | n/a | 3% above share Rate | - |
| Certificate Secured | Up to term of CD | n/a | 2% above CD Rate | - |
| Mobile Homes up to 10 yrs old | Up to 10 yrs with 20% down | n/a | 9.9% | $14.93 |
*Annual Percentage Rate. Your individual Rate for Personal/Consolidation loans will depend on your credit worthiness. Rate includes a .25% APR reduction for payroll deduction. Please consult with a loan officer for more information.
