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Loan Rates
Rates Effective as of April 30, 2008.
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Home Equity Loans
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Term
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Interest Rate (Coupon Book)
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APR (Coupon Book)
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Interest Rate (Auto Deduct)
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APR (Auto Deduct)
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Up to 60 Months
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6.74%
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6.74%
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6.24%
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6.24%
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61Months to 120 Months
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7.24%
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7.24%
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6.74%
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6.74%
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120 Months to 180 Months
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Adjustable Only for 15yr s. payout with 5 or 10 year lock, then adjusts to WSJ Prime +1 for each 5 yr. period thereafter
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Home Equity Line of Credit
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Floating Rate
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Interest Rate
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Prime + 50 Basis Points
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See Special
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Prime currently 5.00%*
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HELOC SPECIAL: We are currently offering WSJ Prime* - 1% floating for first 12 months**
Prime as of 4/30/08*
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Auto Loans
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Type
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Term
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Interest Rate (Coupon Book)
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APR (Coupon Book)
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Interest Rate (Auto Deduct)
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APR (Auto Deduct)
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New
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3 Year
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8.50%
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8.50%
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8.00%
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8.00%
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4 Year
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8.50%
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8.50%
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8.00%
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8.00%
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5 Year
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8.50%
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8.50%
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8.00%
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8.00%
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Used - Car Model Year
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2006
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9.50%
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9.50%
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9.00%
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9.00%
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Used - Car Model Year
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2005
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10.25%
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10.25%
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9.75%
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9.75%
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Model years 2004 & earlier
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Up to 3 Years
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11.25%
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11.25%
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10.75%
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10.75%
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Personal Unsecured Loans
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Term
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Interest Rate (Coupon Book)
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APR (Coupon Book)
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Interest Rate (Auto Deduct)
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APR (Auto Deduct)
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Up to 3 Years
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13.00%
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13.00%
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12.50%
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12.50%
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Overdraft Protection
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Interest Rate
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APR
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18.00%
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18.00%
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All rates subject to change without
notice.
Auto deduct is a 50 basis point deduction for having the payment
taken out of a Liberty checking account at Hopewell Valley Community
Bank.
All rates are the best possible rates offered to the tier 1 credit
scores. Credit scores below tier 1 will possibly reflect a higher rate.
**
Cancellation fee of $150.00 if your Credit Line is closed within one year of the
"Opening Date".
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