Rates as of January 6, 2009

APR= Annual Percentage Rate
Land Loans - 1 year ARM, maximum term 10 years
Mortgages that exceed 80% LTV require PMI Insurance 

(80% Financing used in mortgage payment calculation examples)

Product Description Points Origination Fee Interest Rate APR Payment Per $1000

 Fixed Rate Mortgage Loans 

** Contact our Loan Department at 413-592-9495 for our Fixed Rate Mortgages**

 

 Bi-Weekly Mortgage Loans 

10 year fixed rate 0.000 0.000%  4.375% 4.387% $5.15
15 year fixed rate 0.000 0.000%  4.500% 4.509%  $3.82
 Adjustable Rate Mortgages (ARMs)
1 year ARM 0.000 0.000%  4.250% 4.261%  $4.92
3 year ARM 0.000 0.000%  4.625% 4.341%  $5.14
5/1 ARM 0.000 0.000%  4.250% 4.094%  $4.92
7/1 ARM 0.000 0.000%  4.500% 4.244%  $5.07

 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
3 year ARM 0.000 0.000%  4.625% 4.378%  $5.14

 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
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.)
5 year term 0.000 0.000%  5.500% 5.507%  $19.10
10 year term 0.000 0.000%  6.000% 6.004%  $11.10
15 year term 0.000 0.000%  6.250% 6.253%  $8.57
New Vehicle  Loans
Up to 60 months - RATES AS LOW AS 0.000 0.000%  5.750% 5.750%  $19.22
61 - 72 months - RATES AS LOW AS 0.000 0.000%  6.000% 6.000%  $16.57
Used Vehicle Loans
2007 & Newer Models - RATES AS LOW AS 0.000 0.000%  6.000% 6.000%  $19.33
2005 - 2006 Models - RATES AS LOW AS 0.000 0.000%  6.500% 6.500%  $23.71
2003 - 2004 Models - RATES AS LOW AS 0.000 0.000%  7.000% 7.000%  $30.88
2000 - 2002 Models - RATES AS LOW AS 0.000 0.000%  8.000% 8.000%  $36.89