Loan

Effective July 29, 2010

Mortgages (now available to Members in MA, ME, RI, NH, & CT)

First Mortgage (priced daily)
		Conventional First Mortgages
Maximum Term		0 pts.	One Point	Two Points
10 Year Fixed	as low as:	3.750%	3.625%	3.500%
APR		3.93%	4.02%	4.11%
15 Year Fixed	as low as:	3.875%	3.750%	3.625%
APR		3.98%	4.00%	4.03%
20 Year Fixed	as low as:	4.375%	4.125%	4.000%
APR		4.48%	4.35%	4.34%
25 Year Fixed	as low as:	4.500%	4.250%	4.125%
APR		4.59%	4.44%	4.41%
30 Year Fixed	as low as:	4.500%	4.250%	4.125%
APR		4.56%	4.40%	4.36%
40 Year Fixed	as low as:	5.250%	5.000%	4.875%
APR		5.31%	5.14%	5.12%

15 Year Jumbo	as low as:	N/A	N/A	N/A
APR		N/A	N/A	N/A
30 Year Jumbo	as low as:	5.000%	N/A	N/A
APR		5.06%	N/A	N/A

		0.5 pts.	1.5 pts.
30 Year Non-owner Occupied	as low as:	N/A	N/A
APR		N/A	N/A

		0 pts.	One Point	Two Points
My Community	as low as:	5.125%	N/A	4.750%
APR		5.19%	N/A	4.99%
MHFA (MA Only)	as low as:	5.625%	N/A	N/A
APR		6.32%	N/A	N/A

Home Equity Loans
Type of Loan	Annual Percentage Rate (APR)	Available Terms	Monthly Payment (Per $1,000 Borrowed)
Line of Credit	As low as: 4.000%	84 Month Draw Period	$3.39
		120 Month Repayment
Fixed Rate Second Mortgage	As low as: 5.250%	60 Months	$18.99
	As low as: 5.750%	120 Months	$10.98
	As low as: 6.250%	180 Months	$8.58

Vehicle Loans
Type of Loan	Current Rate (APR)	Available Terms	Monthly Payment (Per $1,000 Borrowed)
New Vehicle*	As low as 4.500%	12 Months	$85.40
(100% Financing includes Tax, Title & Warranty)	As low as 4.500%	24 Months	$43.66
	As low as 4.750%	36 Months	$29.87
	As low as 5.000%	48 Months	$23.04
	As low as 5.250%	60 Months	$19.00
	As low as 5.500%	72 Months	$16.35
	As low as 5.750%	84 Months	$14.50
Used Vehicle*	As low as 4.500%	12 Months	$85.40
(100% Financing of NADA Average Retail Value, Tax & Title)	As low as 4.500%	24 Months	$43.66
	As low as 4.750%	36 Months	$29.87
	As low as 5.000%	48 Months	$23.04
	As low as 5.250%	60 Months	$19.00
	As low as 5.500%	72 Months	$16.35
	As low as 5.750%	84 Months	$14.50
Recreational (Motorcycles, Boats, RV's, Tow-Behind &Travel Trailers)*	As low as 4.500%	12 Months	$85.40
	As low as 4.500%	24 Months	$43.66
	As low as 4.750%	36 Months	$29.87
	As low as 5.000%	48 Months	$23.04
	As low as 5.250%	60 Months	$19.00
	As low as 5.500%	72 Months	$16.35
	As low as 5.750%	84 Months	$14.50
	As low as 6.000%	96 Months	$13.15
	As low as 6.250%	108 Months	$12.14
	As low as 6.500%	120 Months	$11.37

Personal Loans
Type of Loan	Current Rate (APR)	Available Terms	Additional Factors
Share Secured	Varies with Share Rate	60 Months 120 Months	Borrow at 2.50% or 3.50% above current savings rates
Stock Secured	Rate Fixed at 1.50% over Wall Street Journal Prime	120 Months	Borrow up to 70% of NYSE and NASDAQ Traded Stock
Certificate Secured	2.50% Over Certificate Rate	See Additional Factors	Maximum Term of Loan Can Not Exceed Term of Certificate
Unsecured			Monthly Payment (Per $1,000 Borrowed)
(Total unsecured cannot exceed $30,000)	As low as: 8.250% APR	12 Months	$87.13
		24 Months	$45.36
		36 Months	$31.47
		48 Months	$24.55
		60 Months	$20.41
Education	6.000% APR	12 Months	$86.04
	6.000% APR	24 Months	$44.31
	6.000% APR	36 Months	$30.42
	6.000% APR	48 Months	$23.48
	6.000% APR	60 Months	$19.33
	6.500% APR	72 Months	$16.81
	6.500% APR	84 Months	$14.85
	6.500% APR	96 Months	$13.39
	6.500% APR	108 Months	$12.26
	6.500% APR	120 Months	$11.36

VISA® Credit Card
With CUReward Points	Non-variable rates 9.950% - 17.950% APR
Without CUReward Points	Non-variable rates 9.950% - 16.950% APR


* APR= Annual Percentage Rates. Rates are based on credit score and other factors. Your actual rate may be higher depending on your credit score. All rates are determined by the Board of Directors and are subject to change at any time.