| TYPE
| Relationship Plans
Payment by Auto Deduct
| Payment by Auto Deduct
| Payment by Coupon
| MAX TERM
|
| RATE
| APR
| PAYMENT/$1,000 FINANCED
| RATE
| APR
| PAYMENT/$1,000 FINANCED
| RATE
| APR
| PAYMENT/$1,000 FINANCED
|
PASSENGER VEHICLES (Car, Van, Truck )
|
|
|
| NEW AUTO/TRUCK 2009-2010
| 5.090%
| 5.502%
| $18.91
| 6.090%
| 6.504%
| $19.37
| 6.590%
| 7.006%
| $19.61
| 60
|
| 5.290%
| 6.637%
| $16.24
| 6.290%
| 6.643%
| $16.71
| 6.790%
| 7.144%
| $16.95
| 72
|
| USED AUTO/TRUCK 2008-2009
| 5.290%
| 6.701%
| $19.00
| 6.290%
| 6.704%
| $19.47
| 6.790%
| 7.209%
| $19.70
| 60
|
| USED AUTO/TRUCK 2006-2007
| 5.990%
| 6.406%
| $19.33
| 6.990%
| 7.407%
| $19.80
| 7.490%
| 7.911%
| $20.03
| 60
|
| USED AUTO/TRUCK 2004-2005
| 6.590%
| 7.103%
| $23.76
| 7.590%
| 8.109%
| $24.22
| 8.090%
| 8.609%
| $24.46
| 48
|
|
|
OTHER VEHICLES (Motorcycles, ATV's, Snowmobiles, Campers, Boats)
|
|
|
| NEW 2009-2010
| 6.790%
| 7.207%
| $19.70
| 7.790%
| 8.212%
| $20.18
| 8.290%
| 8.714%
| $20.42
| 60
|
| USED 2008-2009
| 7.090%
| 7.605%
| $19.84
| 8.090%
| 8.609%
| $20.32
| 8.590%
| 9.111%
| $20.56
| 48
|
| USED 2006-2007
| 7.790%
| 8.309%
| $24.31
| 8.790%
| 9.313%
| $24.79
| 9.290%
| 9.815%
| $25.02
| 48
|
| USED 2004-2005
| 9.090%
| 9.771%
| $31.84
| 10.090%
| 10.774%
| $32.31
| 10.590%
| 11.277%
| $32.54
| 36
|
| VSI (Vender Interst Insurance) is required on all loan types listed above, when the loan amount is greater than $2,000. The VSI fee is $30.00.
|
|
|
|
|
| Overdraft Protection
| 18.000%
| 18.000%
| $50.00
| 18.000%
| 18.000%
| $50.00
|
|
| No Transfer Fee
| $50.00 Min Payment
| $3.00 Transfer Fee
| $50.00 Min Payment
|
|
| Unsecured
| 12.500%
| 13.195%
| $33.45
| 13.500%
| 14.198%
| $33.94
| 14.000%
| 14.703%
| $34.18
| 36
|
| Secured by MSB Deposits
| 5.750%
| 6.166%
| $19.70
|
| 60
|
| Secured by Stock
| 2.00% over the Prime Rate, Adjusted monthly. NYSE stock only
|
| 60
|
|
|
HOME EQUITY PRODUCTS - Index - Wall Street Prime 3.25%
|
| Product Description
| Interest Rate
| Points
| APR
| Max Term
| Margin
| Maximum Rate
| Payments/$1000
|
|
Home Equity Line of Credit - adjusted quarterly
*Relationship Gold Checking
| 4.500%
| 0
| 4.500%
| 120
| -0.250%
| 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
| 4.500%
| 0
| 4.500%
| 120
| 0.500%
| 18.000%
| $8.82 |
|
|
CAMPERS/MORTORHOMES/BOATS - OVER $10,000.00 - MODEL YEARS 2002-2009 |
|
|
| 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 $5,000.00 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
| 7.250%
| 7.477%
| $12.33
|
| $25,000 - $49,999
| 180
| 7.000%
| 7.223%
| $9.44
|
| $50,000 +
| 180
| 6.500%
| 6.722%
| $9.15
|
