| Rates as of June 2, 2010 | |||||
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APR= Annual Percentage Rate (80% Financing used in mortgage payment calculation examples) | |||||
| Product Description | Points | Origination Fee | Interest Rate | APR | Payment Per $1000 |
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Fixed Rate Mortgage Loans ** Contact our Loan Department at 413-592-9495 for our Fixed Rate Mortgages**
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Bi-Weekly Mortgage Loans | |||||
| (Cost per thousand does not include RE taxes & insurance premiums & actual payment may increase) | |||||
| 10 year fixed rate | 0.000 | 0.000% | 4.375% | 4.387% | $5.15 per Thousand Financed for 120 Months |
| 15 year fixed rate | 0.000 | 0.000% | 4.500% | 4.509% | $3.82 per Thousand Financed for 180 months |
| Adjustable Rate Mortgages (ARMs) | |||||
| (Cost per thousand does not include RE taxes & insurance premiums & actual payment may increase) | |||||
| 1 year ARM | 0.000 | 0.000% | 4.250% | 4.047% | $4.92 per Thousand Financed for 360 months |
| 3 year ARM | 0.000 | 0.000% | 4.625% | 4.172% | $5.14 per Thousand Financed for 360 months |
| 5/1 ARM | 0.000 | 0.000% | 4.250% | 4.117% | $4.92 per Thousand Financed for 360 months |
| 7/1 ARM | 0.000 | 0.000% | 4.500% | 4.267% | $5.07 per Thousand Financed for 360 months |
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No Points, Up to 80% Financing Available 30 year term used for payment estimates APR may increase over the life of the loan. | |||||
| Permanent Constuction Loans | |||||
| (Cost per thousand does not include RE taxes & insurance premiums & actual payment may increase) | |||||
| 3 year ARM | 0.000 | 0.000% | 4.625% | 4.191% | $5.14 per Thousand Financed for 360 months |
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No Points, Up to 70% Financing Available 30 year term used for payment estimates APR may increase over the life of the loan. | |||||
| Home Equity Access Line of Credit | |||||
| (Cost per thousand does not include RE taxes & insurance premiums & actual payment may increase) | |||||
| 15 year Draw Period | 0.000 | 0.000% | 3.250% | 3.250% | Min $500 draft |
| Rate is based on the highest prime rate published in the Wall Street Journal on the last business day of each month plus 0%. The rate will vary.
Homeowners Insurance is required. |
Rate will never exceed 18% | ||||
| Fixed Rate Home Equity Loans (There will be a .25% rate reduction if monthly payments are automatically deducted from a PNCU Checking Account.) | |||||
| (Cost per thousand does not include RE taxes & insurance premiums & actual payment may increase) | |||||
| 5 year term | 0.000 | 0.000% | 5.000% | 5.007% | $18.87 per Thousand Financed for 60 months |
| 10 year term | 0.000 | 0.000% | 5.750% | 5.754% | $10.98 per Thousand Financed for 120 months |
| 15 year term | 0.000 | 0.000% | 6.000% | 6.003% | $8.44 per Thousand Financed for 180 months |
| New Vehicle Loans | |||||
| Up to 60 months - RATES AS LOW AS | 0.000 | 0.000% | 5.750% | 5.750% | $19.22 per Thousand Financed |
| 61 - 72 months - RATES AS LOW AS | 0.000 | 0.000% | 6.000% | 6.000% | $16.57 per Thousand Financed |
| Used Vehicle Loans | |||||
| 2007 & Newer Models - RATES AS LOW AS | 0.000 | 0.000% | 6.000% | 6.000% | $19.33 per Thousand Financed |
| 2005 - 2006 Models - RATES AS LOW AS | 0.000 | 0.000% | 6.500% | 6.500% | $23.71 per Thousand Financed |
| 2003 - 2004 Models - RATES AS LOW AS | 0.000 | 0.000% | 7.000% | 7.000% | $30.88 per Thousand Financed |
| 2000 - 2002 Models - RATES AS LOW AS | 0.000 | 0.000% | 8.000% | 8.000% | $36.89 per Thousand Financed |
