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Consumer Loan Rates
Auto and Recreation Vehicle* Loan Rates
Rates Effective From November 18, 2008
| Product
| Maximum Term
| Fixed APR
| Monthly Payment Per $1,000 borrowed.
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| 2008 Vehicles
| 6 years
| 4.99%-5.99%
| $16.10 -$16.57
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| Ask us about Payment Protection and GAP.
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| 2007 - 2004 Vehicles
| 6 years
| 6.99%-7.99%
| $17.04-$17.53
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| Ask us about Payment Protection and GAP.
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| 2003 - 2001 Vehicles
| 6 years
| 6.99%-7.99%
| $17.04-$17.53
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| Ask us about Payment Protection and GAP.
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| Older Vehicles
| 5 years
| 6.99%-7.99%
| $19.80-$20.27
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| Ask us about Payment Protection and GAP.
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For Campers and Motor Homes, add 1% to
the above rates for up to 84 month
terms and 2% for up to 120 month
terms. Stated rates based on credit
worthiness. Loan rates available for
up to 110% Loan to Value of vehicle.
*"Vehicle" is defined as a car, light
truck/van, motorcycle, boat, jet ski,
snowmobile, camper, motor home, ATV or
other off road transportation.
Apply for a Auto Loan Today!
Protect Your Auto Investment...with GAP.
Unsecured Loans and Lines of Credit
Rates Effective From September 12, 2007
| Loan/LOC Type
| Term
| Fixed APR
| Monthly Payment Per $1,000 borrowed.
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| Personal Loan (up to $5,000)
| Up to 5 years
| 13.99%
| $23.27
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| Checkmate Overdraft Protection (up to $1000)
| Line of Credit
| 14.00%
| NA
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| QuickDraw Line of Credit (up to $5,000)
| Line of Credit
| 12.00%
| NA
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| VISAź Credit Card Options
| Annual Fee
| Annual Percentage Rate
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| VISAź Platinum
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| 10.96%
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| VISAź Gold
| $15.00
| 13.48%
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| VISAź Preferred
| $7.00
| 13.48%
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| VISAź Classic
| None
| 13.48%
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.50% Discount - For an active deposit
relationship with Greylock Federal.
DISCOUNTS DO NOT APPLY to Checkmate,
QuickDraw or VISA credit card
products. See VISA Credit Card page
for card benefits. Stated rates based
on credit worthiness.
Click here for additional credit card information and disclosures.
Apply for VISA Credit Card or Line of Credit Today!
Other Consumer Loans
Rates Effective From September 12, 2008
| Loan Type
| Term
| APR
| Loan to Value
| Monthly Payment Per $1,000 borrowed.
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| Term Share/Savings Secured Up to $100,000
| 5 year
| Term Share Rate + 3.0%
| 100% LTV Share Secured Loan
| $18.42-$20.28
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| Term Share/Savings Secured of $100,000 or Over
| 5 year
| Term Share Rate + 2.0%
| 100% LTV Share Secured Loan
| $17.97-$19.80
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| Stock Secured
| 5 year
| 6.99%
| 80% LTV Stock Secured Loan
| $19.80
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| Mobile Home Financing
| 5 Yrs
| 10.99%
| 90%LTV
| $21.75
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| Mobile Home Financing
| 10 Yrs
| 11.99%
| 90%LTV
| $14.36
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| Mobile Home Financing
| 12 Yrs
| 12.49%
| 90%LTV
| $13.45
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| Student Loans
| Please call 413-236-4000 for information
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.50% Discount - For an active deposit
relationship with Greylock Federal.
Stated rates based on credit
worthiness.
Apply for a Secured Loan Today!
Protect Your Vehicle Investment...with GAP.
Rates subject to change.
Return Home
Home Equity / Home Improvement Programs
Rates Effective From October 31, 2008
| Loan Type
| Loan to Value
| Interest
| APR*
| Monthly Payment Per $1,000 borrowed.
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| Home Equity LOC
| Up to 80%
| Prime + 0%
| 4.00%
| N/A***
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| Home Equity LOC
| Up to 90%**
| Prime + 1%
| 5.00%
| N/A***
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| Home Equity Loan
| Up to 80%
| Up to 5 years
| 6.25%
| $19.45
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| Up to 10 years
| 6.99%
| $11.61
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| Up to 20 years
| 7.25%
| $7.90
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| Home Equity Loan
| Up to 90%**
| Up to 5 years
| 6.50%
| $19.57
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| Up to 10 years
| 7.25%
| $11.74
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| Up to 20 years
| 7.50%
| $8.06
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| Home Equity Loan
| Up to 100%**
| Up to 5 years
| 6.99%
| $19.80
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| Up to 10 years
| 7.99%
| $12.13
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| Up to 20 years
| 8.99%
| $8.99
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| The Prime Rate as of 10/31/2008
| 4.00%
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Fees and Charges: The credit union pays third party fees for new participants unless you close the plan within three years. In that case, you may have to reimburse the credit union for any fees paid on your behalf. If you refinance an existing Home Equity with Greylock then you may pay certain fees to third parties to open the plan. These fees generally total between $400 and $500. If you ask, we will provide you with an itemization of the fees you will have to pay to third parties. Property Insurance: You must carry insurance on the property that secures this plan. Rate Changes: For Home Equity Lines of Credit, the annual percentage rate can change on the first day of each month. The rate cannot increase or decrease more than 1 percentage point at each adjustment. The maximum ANNUAL PERCENTAGE RATE that can apply is 17%.
* Requires active deposit relationship with Greylock Federal Credit Union. Without an active relationship the rate increases by .50%.
**First mortgage must be with Greylock Federal Credit Union.
Home Equity Information, Terms and Conditions
Updated by jmc on
11/19/2008 07:48:17
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