var entry0 = new Entry(); entry0.setValues("AUTO LOANS"); entry0.setValues("MODEL YEAR" , "MONTHS" , "APR**" , "Mo. PMT PER $1,000"); entry0.setValues("NEW"); entry0.setValues("2010-2009" , "36" , "5.25%*" , "$30.08"); entry0.setValues("90% LTV and lower" , "48" , "5.50%*" , "$23.26"); entry0.setValues(" " , "60" , "5.75%*" , "$19.22"); entry0.setValues(" " , "72" , "6.25%*" , "$16.69"); entry0.setValues("USED"); entry0.setValues("2008-2006" , "36" , "6.25%*" , "$30.54"); entry0.setValues("90% LTV and lower" , "48" , "6.50%*" , "$23.72"); entry0.setValues(" " , "60" , "6.75%*" , "$19.68"); entry0.setValues(" " , " " , " " , " "); entry0.setValues("2005-2003" , "36" , "6.25%*" , "$30.54"); entry0.setValues("90% LTV and lower" , "48" , "6.50%*" , "$23.72"); entry0.setValues(" " , " " , " " , " "); entry0.setValues("NEW"); entry0.setValues("2010-2009" , "36" , "5.75%*" , "$30.31"); entry0.setValues("90.01% to 100% LTV" , "48" , "6.00%*" , "$23.49"); entry0.setValues(" " , "60" , "6.25%*" , "$19.45"); entry0.setValues(" " , "72" , "6.75%*" , "$16.93"); entry0.setValues("USED"); entry0.setValues("2008-2006" , "36" , "6.75%*" , "$30.76"); entry0.setValues("90.01% to 100% LTV" , "48" , "7.00%*" , "$23.95"); entry0.setValues(" " , "60" , "7.25%*" , "$19.92"); entry0.setValues(" " , " " , " " , " "); entry0.setValues("2005-2003" , "36" , "6.75%*" , "$30.76"); entry0.setValues("90.01% to 100% LTV" , "48" , "7.00%*" , "$23.95"); entry0.setValues("*APR reflects a .25% discount for automatic payment and a .25% discount for direct deposit of net paycheck.
**APR = Annual Percentage Rate "); addObject(entry0); var entry1 = new Entry(); entry1.setValues("PERSONAL LOANS"); entry1.setValues(" " , "MONTHS" , "APR**" , "Mo. PMT PER $1,000"); entry1.setValues("$1,000 - $5000 Unsecured up to 36 months" , "36" , "11.49%*" , "$32.97"); entry1.setValues("$5,000.01 - $10,000 Unsecured up to 36 months" , "36" , "17.49%*" , "$35.90"); entry1.setValues("*APR reflects a .25% discount for automatic payment and a .25% discount for direct deposit of net paycheck.
**APR = Annual Percentage Rate"); addObject(entry1); var entry2 = new Entry(); entry2.setValues("RECREATIONAL VEHICLES"); entry2.setValues("Small Recreational Vehicles
Motorcycles/Snowmobiles
All Terrain Vehicles/Travel Trailers"); entry2.setValues(" " , "MONTHS" , "APR**" , "Mo. PMT PER $1,000"); entry2.setValues("NEW"); entry2.setValues("2010-2009" , "36" , "7.50%*" , "$31.11"); entry2.setValues(" " , "48" , "8.00%*" , "$24.41"); entry2.setValues(" " , "60" , "8.50%*" , "$20.52"); entry2.setValues(" " , "72" , "9.00%*" , "$18.03"); entry2.setValues("USED"); entry2.setValues("2008-2006" , "36" , "8.50%*" , "$31.57"); entry2.setValues(" " , "48" , "9.00%*" , "$24.89"); entry2.setValues(" " , "60" , "9.50%*" , "$21.00"); entry2.setValues("  " , " " , " " , " "); entry2.setValues("2005-2003" , "36" , "8.50%*" , "$31.57"); entry2.setValues(" " , "48" , "9.00%*" , "$24.89"); entry2.setValues("*APR reflects a .25% discount for automatic payment and a .25% discount for direct deposit of net paycheck.
**APR = Annual Percentage Rate"); entry2.setValues("Large Recreation Vehicles
Motor Homes/Boats"); entry2.setValues(" " , "MONTHS" , "APR**" , "Mo. PMT PER $1,000"); entry2.setValues("NEW"); entry2.setValues("2010-2009" , "60" , "7.00%*" , "$19.80"); entry2.setValues(" " , "120" , "7.50%*" , "$11.87"); entry2.setValues(" " , "180" , "8.25%*" , "$9.70"); entry2.setValues("USED"); entry2.setValues("2008-2003" , "60" , "8.00%*" , "$20.28"); entry2.setValues(" " , "120" , "8.50%*" , "$12.40"); entry2.setValues(" " , "180" , "9.00%*" , "$10.14"); entry2.setValues("*APR reflects a .25% discount for automatic payment and a .25% discount for direct deposit of net paycheck.
**APR = Annual Percentage Rate"); addObject(entry2); var entry3 = new Entry(); entry3.setValues("OVERDRAFT LINE OF CREDIT"); entry3.setValues("TERM" , "APR**" , "Mo. PMT PER $1,000"); entry3.setValues("Demand" , "18.00%" , "$43.09"); entry3.setValues("**APR = Annual Percentage Rate
$32.00 fee assessed annually after the first year"); addObject(entry3); var entry4 = new Entry(); entry4.setValues("COLLATERAL LOANS"); entry4.setValues(" " , "MONTHS" , "APR**" , "Mo. PMT PER $1,000"); entry4.setValues("Passbook Loan with Monthly Installments" , "60" , "Passbook rate + 3%" , "$18.64 (@ 4.50%)"); entry4.setValues("Passbook Loan with Quarterly Interest Payments" , "Quarterly" , "Passbook rate + 3%" , "$11.10 (@ 4.50%)"); entry4.setValues("**APR = Annual Percentage Rate
Variable Loan Rate
Loan rate will be 3% above the current interest rate being earned on an Athol Savings Bank Passbook Savings or Certificate of Deposit with a minimum loan rate of 4.50% (floor).
Loan amounts up to 95% of collateral value."); addObject(entry4); var entry5 = new Entry(); entry5.setValues("STOCK SECURED LOANS"); entry5.setValues(" " , "MONTHS" , "APR**" , "Mo. PMT PER $1,000"); entry5.setValues("Monthly installments up to 60 months" , "60" , "4.50%" , "$18.64"); entry5.setValues("**APR = 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."); addObject(entry5); var entry6 = new Entry(); entry6.setValues("HOME EQUITY LOAN"); entry6.setValues(" " , "MONTHS" , "APR**" , "Mo. PMT PER $1,000"); entry6.setValues("Up to 60 Months" , "60" , "5.99%" , "$19.33"); entry6.setValues("61-120 Months" , "120" , "6.49%" , "$11.35"); entry6.setValues("121-180 Months" , "180" , "6.99%" , "$8.98"); entry6.setValues("**APR = Annual Percentage Rate
Maximum loan cannot exceed 80% of the home’s current value, less any existing first mortgage liens. Prepayment penalty shall be the balance of the first year’s interest or 3 months’ interest whichever is less; except, that if full payment is made within 36 months from the date of the Note for the purpose of refinancing such loan in another financial institution, an additional payment not in excess of 3 months’ interest may be required. Minimum loan amount is $10,000. Owner occupied 1-4 family residence. Homeowner insurance is required. Flood insurance may be required, if applicable."); addObject(entry6); var entry7 = new Entry(); entry7.setValues("HOME EQUITY LINE OF CREDIT"); entry7.setValues(" " , "TERMS" , "RATE" , "APR*" , "Mo. PMT PER $1000"); entry7.setValues("ChoicEquity-**
(6 month)" , "240 mo. (120 mo. draw and 120 mo. repayment)" , "3.99% 1st 6 months, thereafter, variable prime rate -.50%" , "3.99%" , "$3.39 Int. Only
$8.39 (P&I)"); entry7.setValues("ChoicEquity-***
(12 month)" , "240 mo. (120 mo. draw and 120 mo. repayment)" , "4.99% 1st 12 months, thereafter, variable prime rate -.50%" , "4.99%" , "$4.24 Int. Only
$9.24 (P&I)"); entry7.setValues("ChoicEquity-****
(24 month)" , "240 mo. (120 mo. draw and 120 mo. repayment)" , "5.99% 1st 24 months, thereafter, variable prime rate -.50%" , "5.99%" , "$5.09 Int. Only
$10.09 (P&I)"); entry7.setValues("*APR = Annual Percentage Rate
**Equity line of credit has a fixed APR of 3.99% for six months from the date of closing. Life of loan minimum APR of 3.99% and a maximum APR of 16.0%. As of 12/17/08 Prime Rate was 3.25% which would result in an APR of 3.99%.
***Equity line of credit has a fixed APR of 4.99% for twelve months from the date of closing. Life of loan minimum APR of 4.99% and a maximum APR of 16.0%. As of 12/17/08 Prime Rate was 3.25% which would result in an APR of 4.99%.
****Equity line of credit has a fixed APR of 5.99% for twenty-four months from the date of closing. Life of loan minimum APR of 5.99% and a maximum APR of 16.0%. As of 12/17/08 Prime Rate was 3.25% which would result in an APR of 5.99%.
All of the above lines, after the initial fixed rate period, APR becomes a variable rate adjusted monthly based upon the Prime Rate, as published in the Wall Street Journal, minus .50% for the life of the loan. $30 annual fee after one year. If the line is closed within 36 months of opening you will be assessed a close out fee of $500. Minimum loan amount is $10,000. Homeowner insurance is required. Flood insurance may be required, if applicable. Offer available only on new accounts for owner occupied 1-4 family residences."); addObject(entry7); var entry8 = new Entry(); entry8.setValues("FIRST TIME HOME BUYER"); entry8.setValues(" " , "RATE" , "APR**" , "TERM" , "RATE CAPS" , "Mo. PMT Range PER $1,000"); entry8.setValues("1 Year ARM" , "4.750%" , "3.190%" , "30 Years" , "2%/5%" , "$5.22 - $4.22"); entry8.setValues("5 Year Fixed / 1 Year ARM (5/1)" , "5.000%" , "3.770%" , "30 Years" , "2%/6%" , "$5.37 - $4.22"); entry8.setValues("**APR = Annual Percentage Rate
APR based on $100,000 loan with a 20% down payment.
Owner Occupied 1-4 family residence only.
1 Year Treasury Index + 2.75% Margin.
Adjustable Rate APR subject to change after initial rate period."); addObject(entry8); var entry9 = new Entry(); entry9.setValues("ADJUSTABLE RATE MORTGAGE (ARM)"); entry9.setValues(" " , "RATE" , "APR***" , "TERM" , "RATE CAPS" , "Mo. PMT Range PER $1,000"); entry9.setValues("1 Year ARM*" , "4.875%" , "3.200%" , "30 Years" , "2%/5%" , "$5.29 - $4.22"); entry9.setValues("3 Year ARM**" , "5.000%" , "4.090%" , "30 Years" , "2%/5%" , "$5.37 - $4.63"); entry9.setValues("5 Year Fixed / 1 Year ARM*" , "5.125%" , "3.830%" , "30 Years" , "2%/6%" , "$5.45 - $4.22"); entry9.setValues("***APR = Annual Percentage Rate
APR based on $100,000 loan with a 20% down payment.
Owner Occupied 1-4 family residence only.
*1 Year Treasury Index + 2.75% Margin
**3 Year Treasury Index + 2.75% Margin
Adjustable Rate APR subject to change after initial rate period."); addObject(entry9); var entry10 = new Entry(); entry10.setValues("FIXED RATE MORTGAGE"); entry10.setValues(" " , "MONTHS" , "RATE" , "APR**" , "Mo. PMT PER $1,000"); entry10.setValues("10 YEAR FIXED" , "120" , "3.990%" , "4.120%" , "$10.12"); entry10.setValues("15 YEAR FIXED" , "180" , "4.250%" , "4.340%" , "$7.52"); entry10.setValues("20 YEAR FIXED" , "240" , "4.500%" , "4.570%" , "$6.33"); entry10.setValues("30 YEAR FIXED" , "360" , "4.625%" , "4.680%" , "$5.14"); entry10.setValues("40 YEAR FIXED" , "480" , "5.000%" , "5.040%" , "$4.82"); entry10.setValues(" " , "Biweekly Pmts" , "RATE" , "APR**" , "Biweekly PMT PER $1,000"); entry10.setValues("10 YEAR FIXED BI-WEEKLY" , "236" , "3.75%" , "3.89%" , "$5.01"); entry10.setValues("15 YEAR FIXED BI-WEEKLY" , "350" , "3.99%" , "4.09%" , "$3.70"); entry10.setValues("20 YEAR FIXED BIWEEKLY" , "459" , "4.250%" , "4.320%" , "$3.10"); entry10.setValues("**APR = Annual Percentage Rate
APR based on $100,000 loan with a 20% down payment; owner occupied 1-4 family residence.
Rates, APR and Margin are subject to change based on factors such as points, loan amount, loan-to-value, borrowers credit, property type and occupancy."); addObject(entry10); var entry11 = new Entry(); entry11.setValues("ALL RATES EFFECTIVE 07/23/10"); addObject(entry11); var entry12 = new Entry(); entry12.setValues("MANUFACTURED HOME LOANS (Leased Land)"); entry12.setValues("See your Loan Officer or Community Banking Officer for details."); addObject(entry12); var entry13 = new Entry(); entry13.setValues("Rates are subject to change without notice
1-4 family owner occupied residence
Payment does not include taxes and insurance (if applicable) and the actual payment obligation will be greater
Annual Percentage Rate (APR) is based on a 20% down payment
Borrowers with less than a 20% down payment will be required to obtain Private Mortgage Insurance
Points are an option to buy down your rate on fixed rate mortgages
Most mortgage loan products are available with a 9 month construction period
Real Estate Loans will require borrowers to maintain satisfactory homeowners insurance coverage
Contact an Athol Savings Bank lender or branch manager. Please call toll free 1-888-830-3200 or contact your local branch office
Biweekly mortgage payments must be automatically withdrawn from an Athol Savings Bank Account."); addObject(entry13);