Consumer Loan Rates:   Effective December 1, 2014

*APR - ANNUAL PERCENTAGE RATE - Rate based on credit history, term selected, and loan to value ratio.

New Auto
Term Rates as low as (APR*)
Up to 12 Months 1.99%
13 - 24  1.99%
25 - 36 1.99%
37 - 48 1.99%
49 - 60  1.99%
61 - 72 2.49%
73 - 78 3.49%
79 - 84 3.49%

For All Things Automotive, click here

**$5.00 minimum share account balance required to apply for a loan.   Automatic loan payment required to get lowest rate.  Up to 100% financing available. A car loan of $20,000 with a 3-year term at 1.99% APR results in 36 monthly payments of approximately $28.64 per thousand.

Used Auto -  2009 and newer Model
Term Rates as low as (APR*)
Up to 12 Months 1.99%
13 - 24  1.99%
25 - 36 1.99%
37 - 48 1.99%
49 - 60  1.99%
61 - 72 2.49%
   
    

**$5.00 minimum share account balance required to apply for a loan.  Automatic loan payment required to get lowest rate.  Up to 100% financing available.  A car loan of $20,000 with a 3-year term at 1.99% APR results in 36 monthly payments of approximately $28.64 per thousand.

New & Used Motorcycle 2009 and newer Model
Term Rates as low as (APR*)
Up to 36 Months 3.99%
37 - 60 3.99%

**$5.00 minimum share account balance required to apply for a loan.  A motorcylcle loan of $10,000 with a 3-year term at 3.99% APR results in 36 monthly payments of approximately $29.52 per thousand.

Up to 125% Financing New/Used Auto Loan is available, ask a representative for rates.
   
   
   
Personal Loans
Term Rates as low as (APR*)
Up to 12 Months  8.50%
13-24  8.50%
25-36  8.50%
37-48  8.50%
49-60  8.50%

**$5.00 minimum share account balance required to apply for a loan.  A personal loan of $15,000 with a 3-year term at 8.50% APR results in 36 monthly payments of approximately $31.57 per thousand.

Life Style Loan
Term Rates as low as (APR*)
Up to 60 Months 8.50%

**$5.00 minimum share account balance required to apply for a loan.  A personal loan of $10,000 with a 5-year term at 8.50% APR results in 60 monthly payments of approximately $20.52 per thousand.

Recreational Vehicle Loan
Term Rates as low as (APR*)
Up to 36 Months 6.50%
37 - 60 6.50%
61 - 84 7.50%
85 - 120 8.50%

**$5.00 minimum share account balance required to apply for a loan.  A recreational loan of $20,000 with a 3-year term at 6.50% APR results in 36 monthly payments of approximately $30.65 per thousand.

Home Improvement Loan - Maximum Loan Amount $10,000
Term Rates as low as (APR*)
Up to 12 Months 6.49%
13 - 24 6.49%
25 - 36 7.49%
37 - 48 7.49%
49 - 60 7.49%

**$5.00 minimum share account balance required to apply for a loan.  A home improvement loan of $10,000 with a 3-year term at 7.49% APR results in 36 monthly payments of approximately $31.10 per thousand.

Home Equity Loans - 80%
Term Rates as low as (APR*)
Up to 60 Months 2.99%
61 - 120 4.00%
121 - 180 4.75%
240 5.00%

**$5.00 minimum share account balance required to apply for a loan.
An equity loan of $25,000 with a 5-year term at 2.99% APR results in 60 monthly payments of approximately $17.97 per thousand.  Payments do not include amounts for taxes and insurance premiums, if applicable; and that the actual payment obligation will be greater.  Property insurance is required.

Home Equity Loans - 90%
Term Rates as low as (APR*)
Up to 60 Months 4.25%
61 - 120 5.50%

**$5.00 minimum share account balance required to apply for a loan.
An equity loan of $20,000 with a 5-year term at 4.25% APR results in 60 monthly payments of approximately $18.53 per thousand.

Home Equity Loans - 100%
Term Rates as low as (APR*)
Up to 60 Months 5.25%
61 - 120  6.50%

**$5.00 minimum share account balance required to apply for a loan. An equity loan of $20,000 with a 5-year term at 5.25% APR results in 60 monthly payments of approximately $18.99 per thousand.

Fast Track Loan
Term Rates as low as (APR*)
Up to 96 Months 2.99%
97 - 144 3.25%

Reduced application fees: $299 for an 8-year term, and $325 for a 12-year term.

*APR – ANNUAL PERCENTAGE RATE. Rate subject to change. Rate based on creditworthiness and term selected. Minimum loan amount of $50,000 and maximum loan amount of $250,000. Maximum loan to value ratio (LTV) 75%. Application fee is non-refundable. No additional rate discounts apply. Credit union must be in first lien position. Loans will be made against the member’s primary residence, 1-4 family located in the States of Connecticut, Massachusetts and Rhode Island. Loans may be made against a second home. Additional conditions will apply. Home Equity loans are underwritten to include all individual(s) who hold title to the subject property regardless of employment status. Property insurance is required. Floor rate of 2.99%. A loan of $85,000 with an 8-year term at 2.99% APR results in 96 monthly payments of approximately $996.73. Payments do not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation will be greater. Rates available for a limited time only Conditions may apply. **Consult your Tax Attorney. Dutch Point is an Equal Housing Lender. NMLS#466823.

Regular Rates not available-as low as

HELOC -  4.00% - this is a variable rate loan
 
75% 10k - 150k
80% 10k - 100k
90%  10k -  50k
Condo 75% 10k - 100k

**$5.00 minimum share account balance required to apply for a loan.  Maximum loan amount $150,000.  Maximum rate 18.00%.  Property insurance is required.  $35.00 annual fee.

Overdraft Protection
Term Rates as low as (APR*)
Open ended - Line of Credit 18.00%

**$5.00 minimum share account balance required to apply for a loan.

Share Secured
Term Rates as low as (APR*)
Up to 12 Months Share 1 Rate + 3.00%
13 - 24 Share 1 Rate + 4.00%
25 - 60 Share 1 Rate + 5.00%

**$5.00 minimum share account balance required to apply for a loan.  A  share secured loan of $10,000 with a 2-year term at 4.05% APR results in 24 monthly payments of approximately $434.54.  Rate may increase after account opening.

Certificate Secured
Term Rates as low as (APR*)
Up to 60 Months Certificate Rate + 3.00%

**$5.00 minimum share account balance required to apply for a loan.  A  share certificate secured loan of $10,000 with a 2-year term at 3.55% APR results in 24 monthly payments of approximately $432.23.  Rate may increase after account opening.

VISA Credit Card - Platinum
Disclosure APR*
Rate is a variable rate based on member's creditworthiness. 8.99%* - 17.99%*
   
   

**$5.00 minimum share account balance required to apply for a loan.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.