Personal Loans

*APR reflects a .25% discount for automatic payment and a .25% discount for direct deposit of net paycheck.

** APR = Annual Percentage Rate

Overdraft Line of Credit

*APR = Annual Percentage Rate
$30.00 fee assessed annually after the first year

New Auto Loan

Used Auto Loan

*APR reflects a .25% discount for automatic payment and a .25% discount for direct deposit of net paycheck.

**Annual Percentage Rate.

2004 Automobiles and older-Refer to personal loan rate.

Small Recreational Vehicles-Motorcycles/Snowmobiles
All Terrain Vehicles, Travel Trailers

*APR reflects a .25% discount for automatic payment and a .25% discount for direct deposit of net paycheck.

**Annual Percentage Rate

Large Recreational Vehicles
Motor Homes/ Boats greater than 16 feet

*APR reflects a .25% discount for automatic payment and a .25% discount for direct deposit of net paycheck.

**Annual Percentage Rate

2004 Recreational vehicles and older-Refer to personal loan rate.

Collateral Loans

*Annual Percentage Rate.
**Repayment term 60 months
Variable Loan Rate.
Loan Rate will be 3% above the current interest rate being earned on an Athol Savings Bank Passbook,Statement Savings or Certificate of Deposit with a minimum loan rate of 4.50% (floor).
Maximum loan to value 100%.

Stock Secured Loans

*Annual Percentage Rate
Variable Loan Rate.
Loan rate will be the prime lending rate as published in the Wall Street Journal + 1% with a minimum loan rate of 4.50 % (floor).
Maximum loan to value 60%.
Minimum share value $10.00.
Stocks must be listed on the New York, American or NASDAQ stock exchanges.