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Loan Rates
Rates effective as of
9/26/2011
Vehicle Loans
2007 and Newer Vehicle Rates:
| Term | APR* as low as | Payment per $1000 |
| 36 mo. | 2.49% | $28.86 |
| 48 mo. | 2.74% | $22.03 |
| 60 mo. | 2.99% | $17.97 |
| 72 mo. | 3.99% | $15.65 |
2006 and Older Used Vehicle Rates:
| Term | APR* as low as | Payment per $1000 |
| 36 mo. | 3.49% | $29.30 |
| 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
2007 and Newer Recreational Vehicle Rates:
| Term | APR* as low as | Payment per $1000 |
| 36 mo. | 3.49% | $29.30 |
| 48 mo. | 3.74% | $22.47 |
| 60 mo. | 3.99% | $18.42 |
| 120 mo. | 6.99% | $11.61 |
2006 and Older Used Recreational Rates:
| Term | APR* as low as | Payment per $1000 |
| 36 mo. | 4.49% | $29.75 |
| 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 | APR* | Payment per $1000 |
| 5 yr. | 4.25% | $18.54 |
| 7 yr. | 4.75% | $14.02 |
| 10 yr. | 5.00% | $10.61 |
| 15 yr. | 5.25% | $8.05 |
2nd Mortgage/Home Equity - Fixed Rates:
| Term | APR* | Payment per $1000 |
| 5 yr. | 5.75% | $19.23 |
| 7 yr. | 6.25% | $14.86 |
| 10 yr. | 6.50% | $11.36 |
*Annual Percentage Rate. Maximum loan amount for all in-house mortgages is $100,000, maximum loan to value of 80%. 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.
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 2/14/10. 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 a loan officer 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.
