Unsecured Personal Loans

	Available for general borrowing purposes in amounts up to $50,000.00
	Annual Percentage Rates vary with the amount and term, but in all cases the rate will be reduced by ¼ of a percent if the monthly payment is automatically withdrawn from your Co-op account.

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Auto Loans

	Available for both new and used autos in amounts up to $50,000.00
	Annual Percentage Rates vary with the amount, term and age of vehicle, but in all cases the rate will be reduced by ¼ of a percent if the monthly payment is automatically withdrawn from your Co-op account.

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Passbook Loans     

	Short-term loan secured by your Co-op Savings or Term Deposit passbook.
	Available in amounts up to 90% of the passbook account balance.
	Annual Percentage Rate is the lowest of any of our term loans.

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  Loan Products- Commercial Loans

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	A wide variety of commercial loans are available for business purposes such as working capital, equipment purchases, agricultural and real estate development.
	Maximum amounts and Annual Percentage Rates are determined by the financial condition of the borrower.
	We are a Mass Cap, SBA approved lender and a participating lender with the USDA.

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  Loan Products- Mortgage Loans

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Most of our mortgages do not require an appraisal fee, plot plan fee, title insurance, or Private Mortgage Insurance. We intend to retain your mortgage at the Bank, providing you with one-on-one loan servicing for the life of the loan, unless you select a loan type that is designed for resale in the secondary market.

Fixed Rate

	To purchase or refinance a 1 to 4 family owner occupied home.
	Loan amount is based on a maximum loan to home value ratio of 80%
	Annual Percentage Rate is fixed for the life of the loan.

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Adjustable Rate

	To purchase or refinance a 1 to 4 family owner occupied home.
	Loan amount is based on a maximum loan to home value ratio of 80%
	Annual Percentage Rate may vary based on the loan type you select.

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First Time Homebuyer

	To purchase your first 1 to 4 family owner occupied home.
	Loan amount is based on a maximum loan to home value ratio of 90%
	Annual Percentage Rate is fixed for the life of the loan.

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Bi Weekly

	To purchase or refinance a 1 to 4 family owner occupied home.
	Loan amount is based on a maximum loan to home value ratio of 80%
	Annual Percentage Rate is fixed for the life of the loan.
	Payments are made every 14 days from your Co-op account helping you to reduce the term of the loan.

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Secondary Vacation Homes & Condominiums

	To purchase or refinance a 1 to 4 family owner occupied home.
	Loan amount is based on a maximum loan to home value ratio of 80%
	Annual Percentage Rate is fixed for the life of the loan.

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  Loan Products- Home Equity & Other Lines of Credit

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Home Equity Line of Credit

	Offered to homeowners in amounts up to $100,000.00, based on the equity value of their residence.
	NO application, appraisal, attorney fees, or closing costs on primary residences.
	Prime All The Time – the rate is The Wall Street Journal Prime Rate.

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Overdraft Protection

	Available to Co-op Checking Account Customers who wish to have a line of credit linked to their account.
	The line of credit can be used as a reserve in the event of an overdraft, or as a borrowing account.

Visa Platinum Credit Card

	Accepted Worldwide with special benefits such as Auto Rental Insurance, Warranty Manager, Travel Accident Insurance and Falcon Fraud Alert Protection

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