Loan Rates

Lorain /
Canton

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Services

Saving-CD
Rates

July 13, 2010

LOAN RATES

SHARE LOAN

CERTIFICATE LOAN

Term	Rate	Term	Rate
12-60 mos.	3.75%	60 mos. maximum	2% over Certificate Rate

PERSONAL LOAN

AUTO LOAN

Term	Rate	Term (10-20% Down)	Year	Rate
12 mos.	8.50%	72 mos.(New from Dealer)	2011	3.50%
24 mos.	9.00%	72 mos.(New from Dealer)	2010	3.75%
36 mos.	9.50%	60 mos. - Used Auto	2010	4.00%
48 mos.	10.00%	60 mos. - Used Auto	2009	6.75%
60 mos.	10.50%	48 mos. - Used Auto	2008	7.25%
		48 mos. - Used Auto	2007	7.75%
		48 mos. - Used Auto	2006	8.25%
		36 mos. - Used Auto	2005	8.75%

*ALL POSTED RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. PLEASE CALL FOR CURRENT RATES*

MORTGAGE LOAN RATES

LOAN RATES FOR LOANS UP TO $400,000

FIRST MORTGAGES - RESIDENTIAL RATES FOR ONE FAMILY OWNER OCCUPIED PROPERTY ONLY

*ALL POSTED RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. PLEASE CALL FOR CURRENT RATES*

Mortgage Program 1

Program 1 includes a $325 non-refundable application fee,
a $1,170 Origination fee, and $2,050 estimated closing costs.
APR’s are based on $100,000.00 loan.

PROGRAM 1

0 Points

Term	Rate	APR
15YR	4.25%	4.49%
30YR	4.90%	5.08%

*ALL POSTED RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. PLEASE CALL FOR CURRENT RATES*

Mortgage Program 2

Program 2 includes $2,050 estimated closing costs.
APR’s are based on $100,000.00 loan.

PROGRAM 2

0 Points

Term	Rate	APR
15YR	4.50%	4.50%
30YR	5.15%	5.15%

*ALL POSTED RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. PLEASE CALL FOR CURRENT RATES*

SPECIAL PROMOTIONAL RATE**
FOR NEW PURCHASES ONLY!

** [EMPIRICA SCORES (CREDIT SCORES) OF 730 OR HIGHER • 20% DOWN PAYMENT
HOUSING DEBT RATIO - 28% OR LESS • DEBT/INCOME DEBT RATIO - 36% OR LESS]
APR’s are based on $100,000.00 loan. - $325 Application Fee (Non-Refundable)
$1,170 Origination Fee - $2,050 Estimated Closing Cost

0 Points

Term	Rate	APR
15YR	4.00%	4.24%
30YR	4.65%	4.84%

*ALL POSTED RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. PLEASE CALL FOR CURRENT RATES*

Second Mortgages - Residential

2nd Mortgage

0 Points

Term	Rate	APR
15YR	7.50%	7.50%

*ALL POSTED RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. PLEASE CALL FOR CURRENT RATES*

Home Equity Line of Credit
available for your primary residence
Adjustable Rate Mortgage Prime Rate ( 3.25% ) minus 0.50%
Currently 2.75%
Up to 80% of Value of Home*. Ten year draw period.**
*Value of home determined as County Appraised Value
Less 15% (or more depending on economic health of location),
or by Appraisal at cost of borrower.
**Details available at the Credit Union.

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