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Loan Rates

Consumer Loan Rates

Effective July 29, 2010

Rates are subject to change at any time.

Home Equity	APR	Maximum Amount	Maximum Term	Maximum L-T-V	Payment per $1,000
Line of Credit*	3.250%	N/A	20 yrs.**	80%	$2.71
Loan	5.250%	$500,000	5 yrs.	80%	$18.99
	5.490%	$500,000	10 yrs.	80%	$10.85
	5.990%	$500,000	15 yrs.	80%	$8.43

*Maximum annual percentage rate (APR) is 18%.
Freedom Line of Credit is 0.50% under WSJ prime for life of loan. Interest only payment first 10 yrs.

Loan	Term	Rate	Down Payment	Payment per $1,000
New Car or Truck**
2009	60 mo.	6.000%	0%	$19.33
	48 mo.	6.000%	0%	$23.48
Used Car or Truck**
2008 - 2005	60 mo.	6.750%	0%	$19.68
2008 - 2003	48 mo.	6.750%	0%	$23.83

** Does not include 0.25% discount with automatic loan payment from Freedom checking account.

Mortgage Rates

Effective July 29, 2010

Rates are subject to change at any time.

Fixed Rates (up to $322,700)	Rate	Points	APRAnnual Percentage Rate	Payment per $1,000	Loan to Value*
15 Year Special	Call our mortgage department (401)949-1600 for current rates.

* LTV > 80% require Private Mortage Insurance

Adjustable Rates (up to 30 yr. term)	Rate	Points	APRAnnual Percentage Rate	Periodic Cap	Life cap
1 Year Review	Call our mortgage department (401)949-1600 for current rates.
3 Year Review
5 Year Review

Greenville (401) 949-1600 • Cumberland (401) 333-3666
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