| 3 Month |
$1,000 |
1.98% |
2.00% |
| 6 Month |
$1,000 |
3.93% |
4.00% |
| 12 Month |
$1,000 |
2.37% |
2.40% |
| 18 Month |
$1,000 |
2.57% |
2.60% |
| 24 Month |
$1,000 |
2.96% |
3.00% |
| 30 Month |
$1,000 |
3.20% |
3.25% |
| 36 Month |
$1,000 |
3.44% |
3.50% |
| 48 Month |
$1,000 |
3.44% |
3.50% |
| 60 Month |
$1,000 |
3.44% |
3.50% |
| |
|
|
|
| Passbook/Club |
$100 |
.25% |
.25% |
| Statement |
$100 |
.25% |
25% |
| Access SavingsPlus |
$10,000 |
.75% |
.75% |
| |
$50,000 |
1.00% |
1.00% |
| |
$75,000 |
1.50% |
1.51% |
| |
$100,000 |
1.75% |
1.77% |
| |
|
|
|
| $10.00 - $4,999 |
$100 |
.10% |
.10% |
| $5,000 - $24,999 |
$100 |
.25% |
25% |
| $25,000 + |
$100 |
.50% |
.50% |
| |
|
|
|
| No Monthly Fee |
$100 |
|
|
| |
|
|
|
| $2,500 - $49,999 |
$100 |
1.00% |
1.00% |
| $50,000 - $99,999 |
$100 |
1.25% |
1.26% |
| $100,000 + |
$100 |
2.47% |
2.50% |
| |
|
|
|
| *Rates are effective as of November 14, 2008 at 9:00 am and are subject to change without notice. APY (Annual Percentage Yield) is what your money would earn if principal and interest remain on deposit for at least one year at the same rate. Penalty for early withdrawal on all Certificates of Deposit and IRA products. Fees may reduce earnings on account. The APY on Savings, Checking, and Money Market Accounts may change after the account is opened. Please contact an Avon Co-operative representative for a detailed product description and further assistance. |
| 30 Year Conforming |
|
|
|
| 0 Points |
6.375% |
6.385% |
$6.24 |
| 1 Point |
5.875% |
5.978% |
$5.92 |
| 2 Points |
5.625% |
5.820% |
$5.76 |
| |
| 15 Year Conforming |
|
|
|
| 0 Points |
6.000% |
6.016% |
$8.44 |
| 1 Point |
5.500% |
5.670% |
$8.17 |
| 2 Points |
5.250% |
5.575% |
$8.04 |
| |
| Please call Kelly Howard or Kevin Hayes at 508-586-1355 for more information. |
| |
| 1 Year ARM |
5.125% |
3.988% |
$5.44 |
| 3 Year ARM |
5.375% |
4.622% |
$5.60 |
| 5/1 ARM |
5.625% |
4.533% |
$5.76 |
| 1st Time Homebuyer (5/1 ARM)*** |
5.375% |
4.437% |
$5.60 |
| |
| MassAdvantage* |
|
|
|
| 0 Points |
6.375% |
6.385% |
$6.24 |
| 2 Points |
6.125% |
6.326% |
$6.08 |
| MYCommunity* |
|
|
|
| 0 Points |
6.750% |
6.760% |
$6.49 |
| |
*Above rates are for a 30 year term. Maximum LTV is 100% on My Community program and 97% for Massadvantage programs. Mortgage insurance is required. Income and purchase price limits will apply based on property location.
** APR=Annual Percentage Rate. APR assumes a single family owner occupied purchase with 20% down payment. Rate Lock is for 60 days. Rates may change daily. FHLMC conforming loan limits apply: 1 Unit $417,000, 2 Unit $533,850, 3 Unit $645,300, 4 Unit $801,950. Additional rate lock terms and point options available. |
| ***Minimum 10% down with no mortgage insurance and limited to properties in Norfolk, Plymouth or Bristol counties. |
| 20 years |
3.500% |
3.500% |
|
| |
| 60 months |
6.500% |
6.500% |
$19.57 |
| 120 months |
6.750% |
6.750% |
$11.48 |
| 180 months |
7.000% |
7.000% |
$8.99 |
| |
| **Rates effective as of November 19, 2008 at 10:15 am.. All Adjustable Rates subject to change after consummation. APR eans Annual Percentage Rate. Rate adjustment for the One Year ARM and Five/One ARM based on the 1 Year Treasury Constant Maturity, currently 1.12%. Rate adjustment for the Three Year ARM based on the 3 Year Treasury Constant Maturity, currently 1.63%. All adjustable rate mortgages have a 2.75% margin with a 2% per Adjustment cap and a 5% lifetime cap. |
| |
| New Car Loan |
6.25% |
Up to 60 months
0% down |
$19.45 / 60 months |
| New Commercial Vehicle |
8.25% |
Up to 60 months
0% down |
$20.40 / 60 months |
| Used Car Loan |
6.75% |
2008-2005
up to 60 mo. |
$19.68 / 60 months |
| |
|
2004-2002
up to 48 mo. |
$23.83 / 48 months |
| |
|
2001
up to 36 mo.
10% down based on lower of sales price or book value |
$30.76 / 36 months |
| Used Commercial Vehicle |
8.75% |
2008-2005
up to 60 mo. |
$20.64 / 60 months |
| |
|
2004-2002
up to 48 mo. |
$24.77 / 48 months |
| |
|
2001 up to 36 mo.
Same as used car loan |
$31.68 / 36 months |
| Title V Loan |
6.99% |
Up to 120 months
Up to $30,000 |
$11.61 / 120 months |
| Home Improvement Loans |
8.25% |
Up to 60 months
Up to $5,000 |
$20.40 / 60 months |
| Personal Loans |
12.49% |
Up to 36 months
Max. approved credit amount is $7,500. |
$33.45 / 36 months |
| Overdraft Lines of Credit |
16.00% |
No stated term.
Max. approved credit amount is $5,000. |
|
| Collateral Loans |
3.00% over
deposit rate |
No stated term
Up to 95% of account balance. Available on passbook savings and/or term accounts. |
|
