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Personal Loan Rates

Effective March 12, 2010

Rates are subject to change at any time.

Home Equity	APR	Maximum Amount	Maximum Term	Maximum L-T-V	Monthly Payment per $1,000
Line of Credit*	3.250%	N/A	20 yrs.**	80%	$2.71
Home Equity Loan	6.250%	N/A	5 yrs.	80%	$19.45
	6.500%	N/A	10 yrs.	80%	$11.35
	7.000%	N/A	15 yrs.	80%	$8.99
Home Improvement Loan	11.000%	$10,000	7 yrs.	N/A	$17.12

*For lines of credit, the Annual Percentage Rate (APR) is variable and can change monthly, the maximum APR is 18% and there is a $20 annual fee. Property insurance is required for all home equity products.

**Indicates a 10 year draw period during which the minimum payment is equal to the interest accrued.

Loan	Term	APR	Down Payment	Monthly Payment per $1,000
New Vehicle
2009	60 mo.	6.000%	10%	$19.57
with Checking & Autopayment	60 mo.	5.750%	10%	$19.45
Used Vehicle
2006-2008	48 mo.	6.500%	20%	$23.83
with Checking & Autopayment	48 mo.	6.250%	20%	$23.71

Lee (413) 243-0117 • Stockbridge (413) 298-3611 • Great Barrington (413) 528-5531
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