Consumer Loan Rates « Mascoma Savings Bank

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Consumer Loan Rates

Relationship Plans Payment by Auto Deduct

Payment by Auto Deduct

Payment by Coupon

TYPE	RATE	APR	PAYMENT/$1,000 FINANCED	RATE	APR	PAYMENT/$1,000 FINANCED	RATE	APR	PAYMENT/$1,000 FINANCED	MAX TERM
PASSENGER VEHICLE (Car, Van, Truck)Apply Now
NEW AUTO/TRUCK 2011-2012	3.590%	4.070%	$18.23	4.590%	5.071%	$18.68	5.090%	5.757%	$18.91	60
	3.790%	4.195%	$15.55	4.790%	5.196%	$16.01	5.290%	5.701%	$16.24	72
USED AUTO/TRUCK 2010-2011	4.290%	4.770%	$18.55	5.290%	5.774%	$19.00	5.790%	6.277%	$19.24	60
USED AUTO/TRUCK 2008-2009	4.990%	5.476%	$18.87	5.990%	6.478%	$19.33	6.490%	6.981%	$19.56	60
USED AUTO/TRUCK 2006-2007	5.590%	6.189%	$23.30	6.590%	7.193%	$23.76	7.090%	7.699%	$23.99	48
USED AUTO/TRUCK 2005 & OLDER	10.000%	10.808%	$32.27	11.000%	11.815%	$32.74	11.500%	12.317%	$32.98	36
OTHER VEHICLES (Motorcycles, ATV's, Snowmobiles, Campers, Boats)Apply Now
NEW 2011-2012	5.790%	6.277%	$19.24	6.790%	7.281%	$19.70	7.290%	7.786%	$19.94	60
USED 2010-2011	6.090%	6.581%	$19.37	7.090%	7.584%	$19.84	7.590%	8.087%	$20.08	60
USED 2008-2009	6.790%	7.395%	$23.85	7.790%	8.402%	$24.31	8.290%	8.905%	$24.55	48
USED 2006-2007	8.590%	8.889%	$31.38	9.090%	9.895%	$31.84	9.590%	10.397%	$32.08	36
USED 2005 & OLDER	10.000%	10.808%	$32.27	11.000%	11.815%	$32.74	11.500%	12.317%	$33.98	36
VSI (Vendor Single Interest Insurance) is required on all loan types listed above, when the loan amount is greater than $2,000. The VSI fee is $50.00.
OTHER LOANSApply Now
Overdraft Protection	18.000%	18.000%	$50.00	18.000%	18.000%	$50.00
	$3.00 Transfer Fee		$50.00 Min Payment	$5.00 Transfer Fee		$50.00 Min Payment
Unsecured	10.000%	10.808%	$32.27	11.000%	11.815%	$32.74	11.500%	12.317%	$32.98	36
Secured by MSB Deposits	4.500%	4.739%	$18.64							60
Secured by Stock	2.00% over the Prime Rate, Adjusted monthly. NYSE stock only.					Variable rates may be increased after consummation

CAMPERS/MOTORHOMES/BOATS - OVER $10,000.00 - MODEL YEARS 2005-2011Apply Now
AMOUNT FINANCED	MAX TERM	RATE	APR	Payment/$1,000 FINANCED		These rates will not receive the Relationship or Auto Deduct Discount APR - Annual Percentage Rate, Based on a $5,000 loan The VSI (Vendor Single Interest Insurance) is required on all loan types listed to the left. The VSI fee is $50.00
$10,000 - $24,999	120	6.250%	6.510%	$11.23
$25,000 - $49,999	180	6.000%	6.183%	$ 8.44
$50,000 +	180	5.500%	5.682%	$ 8.17
• HYBRID VEHICLES - Receive an additional .25% reduction on interest rate with auto-deduct • Transfer fee for Overdraft Protection - $3.00 for Relationship Gold checking, $5.00 for all other types of checking accounts. • Overdraft Protection annual fee is $25 • Approved term limit exceptions will increase interest rate by 1.000% • There will be no term increase longer than 6 months or over the 72 month term • Classic collector programs available for vehicles 15 years and older. Please contact a Consumer Loan Underwriter. • No application fee, No cost to prequalify • Processing fees: $29 if secured by MSB deposit, $59 for all others. Fee may be financed. Processing fee waived for Overdraft Protection • APR=Annual Percentage Rate, Based on a $5,000 loan • All rates and terms are subject to Mascoma Savings Bank Underwriting Guidelines and subject to change without notice
HOME EQUITY PRODUCTS - Index - Wall Street Prime 3.25%Apply Now
Variable rates may be increased after consummation
Product Description		Interest Rate	Points	APR	Max Term	Margin	Min. Rates/ Max. Rates	Payments/$1000
Home Equity Line of Credit - adjusted quarterly *Relationship Gold Checking		4.000%	0	4.000%	120	-0.250%	4.000%/ 18.000%	$8.82	Bank will pay up to $300.00 in closing costs with $10,000 in new indebtedness to Mascoma Savings Bank. No annual fee. Rate caps are lifetime caps. * The RGC rate is for Relationship Gold Checking Customers
Home Equity Line of Credit - adjusted quarterly		4.000%	0	4.000%	120	0.500%	4.000%/ 18.000%	$8.82

QUESTIONS? PLEASE CONTACT ANY OFFICE OR CALL 1-603-448-3650 OR 1-888-627-2662

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