Consumer loan Rates - Chicopee Savings Bank by yaosaigeng

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									Consumer loan Rates
Rates are accurate as of March 11, 2013
All rates are subject to change without notice.                  Chicopee Savings Bank NMLS ID 514386

                               “Prime-less” Home Equity Line of Credit (HELOC)

  Introductory Fixed Rate for the                Variable Rate Thereafter               Monthly Payment Per $1,000
          First 6 Months                        (Annual Percentage Rate)                        Borrowed


               2.49%                                       3.25%                                **Interest Only


To qualify for the “Prime-less” HELOC you are required to:
     •      Have an automatic withdrawal payment from a new or existing Chicopee Savings Bank Checking Account.
     •      New accounts must be opened prior to closing.
     •      Minimum Draw at Closing: $10,000- Minimum Line of Credit: $25,000- Maximum Line of Credit: $200,000
     •      **The 10 year draw period is interest only and the remaining 10 year repayment period will be the principal
            balance remaining at the end of the draw period amortized over the 10 year term, plus interest.



                                     Home Equity Line of Credit (HELOC)

              Rate (Annual Percentage Rate)                              Monthly Payment Per $1,000 Borrowed

                            3.25%                                                      **Interest Only
General HELOC Disclosures (also applicable to “Prime-Less” HELOC)
   • The interest rate is equal to the “Wall Street Journal Prime Rate Index” Published monthly in the “Money” section of
        the “Wall Street Journal “on the first day of each month plus 0.00%.
   • The current “Prime Rate” is 3.25% and can change monthly after remaining fixed for 1 day. An increase in the
        interest rate will result in a higher monthly payment.
   • **A maximum rate of 18% Annual Percentage Rate may be imposed under this plan.
   • **The 10 year draw period is interest only and the remaining 10 year repayment period will be the principal balance
        remaining at the end of the draw period amortized over the 10 year term, plus interest.



                                       Home Equity Loans- Fixed Rates
                                                                                        Monthly Payment Per $1,000
                Term                         Rate (Annual Percentage Rate)
                                                                                                Borrowed
               20 Year                                    *5.25%                                  $6.74
                                                           5.50%                                  $6.88
               15 Year                                    *5.00%                                  $7.91
                                                           5.25%                                  $8.04
               10 Year                                    *4.50%                                  $10.37
                                                          4.750%                                  $10.49
               5 Year                                     *4.00%                                  $18.42
                                                           4.25%                                  $18.54
General Disclosures (applies to all HELOC loans and lines of credit)
   • Loans of $250,000 and above require a full appraisal, to be paid by applicant.
   • Home Owners Insurance is required on the property securing these loans.
   • Subject to a $400.00 retirement fee if closed within 24 months.
   • These program descriptions are not an offer to extend credit. The extension of credit is dependant upon your credit
        history, loan-to-value ratio, and other factors.
   • Maximum Loan -To-Value: 80% Single Family, Condo’s, and Vacation Homes. 70% 2-4 Family Owner Occupied Units.
   • *Chicopee Savings Bank’s Relationship Banking Consumer Loans offer an interest rate reduction of 0.25% when you
        request and maintain an automatic withdrawal payment from a new or existing Chicopee Savings Bank Checking
        Account. New accounts must be opened prior to closing.

Chicopee Savings Bank, 219 Exchange St, Chicopee, Massachusetts 01014-0300 (413) 594-6692 -Fax # (413) 594-8199



Member FDIC                                 www.chicopeesavings.com                                  Member DIF
                                                   Car Loans
                                                                                  Monthly Payment Per $1,000
               Term                      Rate (Annual Percentage Rate)
                                                                                          Borrowed
         72 Months (New)                              *5.00%                                    $16.11
                                                       5.25%                                    $16.23
            60 Months                                 *4.00%                                    $18.42
                                                       4.25%                                    $18.54
            48 Months                                 *4.00%                                    $22.59
                                                       4.25%                                    $22.70
            36 Months                                 *4.00%                                    $29.53
                                                       4.25%                                    $29.64
            24 Months                                 *4.00%                                    $43.43
                                                       4.25%                                    $43.55
            12 Months                                 *4.00%                                    $85.16
                                                       4.25%                                    $85.28

New Car Loans:
    •     All Model Year 2012 or Model Year 2011 under 2,500 Miles
    •     72 Month Term on 2012 models only
    •     10% Down Payment Required
Preowned Car Loans:
    •     Model Year 2006-2011 Max Term: 60 Months
    •     Model Year 2004-2005 Max Term: 36 Months
    •     20% Down Payment Required


                                      Motorcycle, RV & Boat Loans
                                                                                  Monthly Payment Per $1,000
               Term                      Rate (Annual Percentage Rate)
                                                                                          Borrowed
            48 Months                                  7.00%                                    $23.96
    •   20% Down Payment Required


                                             Pool and Spa Loans
                                                                                  Monthly Payment Per $1,000
               Term                      Rate (Annual Percentage Rate)
                                                                                          Borrowed
            60 Months                                 *6.00%                                    $19.34
                                                       6.25%                                    $19.45
            48 Months                                 *6.00%                                    $23.49
                                                       6.25%                                    $23.60
            36 Months                                 *6.00%                                    $30.43
                                                       6.25%                                    $30.54
            24 Months                                 *6.00%                                    $44.33
                                                       6.25%                                    $44.44
            12 Months                                 *6.00%                                    $86.07
                                                       6.25%                                    $86.19

    •   100% financing with a maximum loan amount of $10,000. (Equity Loans or Equity Lines may be available for any
        loans over $10,000).


                              Instant Reserve (Overdraft Line of Credit)
               Term                      Rate (Annual Percentage Rate)                   Monthly Payment
                                                                                   Interest plus 5% of the principal
   Open Ended No Maturity Date                    18% (APR) Fixed                balance on the last day of the billing
                                                                                                 cycle

General Disclosure
   • *Chicopee Savings Bank’s Relationship Banking Consumer Loans offer an interest rate reduction of 0.25% when
        you request and maintain an automatic withdrawal payment from a new or existing Chicopee Savings Bank Checking
        Account. New accounts must be opened prior to closing.


Chicopee Savings Bank, 219 Exchange St, Chicopee, Massachusetts 01014-0300 (413) 594-6692 -Fax # (413) 594-8199



Member FDIC                               www.chicopeesavings.com                                  Member DIF

								
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