Loan and Mortgage Rates

Rates Effective: 02/01/12
Rates are subject to change without notice.

Consumer Loans

Term	Interest Rate	APR	Payments per $1,000 borrowed
New Auto
36 months	4.500%	4.500%	$29.75
48 months	5.000%	5.000%	$23.03
60 months	5.500%	5.500%	$19.10
Used Auto (4 yrs or newer)
24 months	8.99%	8.99%	$45.68
36 months	8.99%	8.99%	$31.80
For other auto loans use Personal Loan rates below.
New Motorcycle
24 months	9.50%	9.50%	$32.03
48 months	9.50%	9.50%	$25.12
Used Motorcycle
24 months	9.50%	9.50%	$45.91
Personal (unsecured) $1,000 - $5,000
36 months	13.50%	13.50%	$33.94
48 months	14.50%	14.50%	$27.58
Down payment requirements: auto 20%, motorcycle 25%

Adjustable Rate Mortgages — Loans up to $417,000
(including construction-to-perm loans)

Fixed Rate Mortgages - Loans up to $417,000

Interest Rate	Points	APR	Payments per $1,000 borrowed
15 Year
3.375%	0	3.449%	$7.09
3.125%	2	3.492%	$6.97
20 Year
4.000%	0	4.059%	$6.06
3.750%	2	4.041%	$5.93
30 Year
4.000%	0	4.403%	$4.77
3.750%	2	3.959%	$4.63
Rate adjustments will occur annually after the fixed period of 1,3, or 5 years, and will be based on the weekly average of the one-year U.S. Treasury notes plus a margin of 2.75% rounded to the nearest 1/8% for residential first mortgages. Adjustments would not exceed 2% each adjustment period, not exceeding 6% over the life of the loan. Payment and interest rate may increase during the life of loan. All APRs listed above based on $100,000.00 mortgage with a 20% down payment.* Rates are for 1-4 family, owner occupied properties with terms up to 30 years. N/A. Private mortgage insurance required if down payment less than 20%

Term	Interest Rate	APR	Payments per $1,000 borrowed
Home Equity Loans Fixed Rate
5 year	4.500%	4.500%	$18.64
10 year	5.000%	5.000%	$10.61
15 year	5.500%	5.500%	$8.17
For single family, owner occupied residences Life and disability insurance available Property insurance is required Flood insurance may be required 75% loan to value ratio Fixed monthly payments No points

For rate information, please call, Lori Heath, or Colleen Huntley at 860-693-6936.

For rate information, please call, Lori Heath at 860-693-6936.