Vehicle Loans                                                 Rates effective as of
                                                                                                 4/01/2010        
2006-2010 New and Used Vehicle Rates:
 

Term	APR* as low as	Payment per $1000
36 mo.	3.99%	$29.52
48 mo.	3.99%	$22.58
60 mo.	4.49%	$18.64
72 mo.	5.49%	$16.34

2005 and older Used Vehicle Rates:

Term	APR* as low as	Payment per $1000
36 mo.	4.99%	$29.97
48 mo.	4.99%	$23.03
60 mo.	5.49%	$19.10

*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                                                          Top of the Page

2006-2010 New and Used Recreational Rates: 

Term	APR* as low as	Payment per $1000
36 mo.	4.99%	$29.97
48 mo.	4.99%	$23.03
60 mo.	5.49%	$19.10
120 mo.	8.74%	$12.53

2005 and older Used Recreational Rates:

Term	APR* as low as	Payment per $1000
36 mo.	5.99%	$30.42
48 mo.	5.99%	$23.48
60 mo.	6.49%	$19.56

* 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                     Contact credit union to apply                     Top of the page

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.	6.00%	$19.34
7 yr.	6.50%	$14.86
10 yr.	6.75%	$11.49

*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                                                                     Top of the Page

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.