| |
|
Auto Loans
(Effective: through July 7, 2008)
|
Program
|
Term
| APR
| Monthly Payments
per $1000 borrowed
|
New Auto Loans 1 to 4 Years
| (80% of sale price or book value--whichever is lower) |
|
12 months
|
7.250%
| $86.64
|
24 months
|
7.250%
| $44.88
|
36 months
|
7.250%
| $30.99
|
48 months
|
7.250%
| $24.06
|
New Auto Loans 5 Years
| (75% of sale price or book value--whichever is lower) |
|
60 months
|
7.500%
| $20.03
|
Used Auto Loans 2003 - 2007
| (80% of sale price or book value--whichever is lower) |
|
12 months
|
8.000%
| $86.98
|
24 months
|
8.250%
| $45.34
|
36 months
|
8.750%
| $31.68
|
48 months
|
8.750%
| $24.76
|
Used Auto Loans 2005 - 2007
| (70% of sale price or book value--whichever is lower) |
|
60 months
|
8.750%
| $20.63
|
Certificate of Deposit*
(Effective: through July 7, 2008)
|
Program
|
Term
| Minimum Daily Balance
to earn APY | Interest Rate
| APY
|
CDs
|
3 months
|
$5,000.00
| 0.500%
| 0.500%
|
4 months
|
$5,000.00
| 0.500%
| 0.500%
|
6 months
|
$2,500.00
| 0.750%
| 0.750%
|
8 months
|
$1,000.00
| 0.750%
| 0.750%
|
9 months
|
$1,000.00
| 0.750%
| 0.750%
|
11 months
|
$1,000.00
| 1.240%
| 1.250%
|
12 months
|
$1,000.00
| 1.490%
| 1.500%
|
13 months
|
$1,000.00
| 2.470%
| 2.500%
|
15 months
|
$1,000.00
| 1.490%
| 1.500%
|
18 months
|
$1,000.00
| 1.490%
| 1.500%
|
22 months
|
$1,000.00
| 1.490%
| 1.500%
|
24 months
|
$1,000.00
| 2.960%
| 3.000%
|
30 months
|
$1,000.00
| 2.960%
| 3.000%
|
36 months
|
$1,000.00
| 2.960%
| 3.000%
|
48 months
|
$1,000.00
| 3.010%
| 3.050%
|
60 months
|
$1,000.00
| 3.010%
| 3.050%
|
*Penalties may be imposed on early withdrawals.
Fees may reduce earnings. Rates are subject to change without notice.
Minimum balance required to earn Annual Percentage Yield (APY).
|
Deposit Accounts*
(Effective: through July 7, 2008)
|
Program
|
Interest Rate
| APY
|
Choice Checking
($10.00 minimum balance required to earn APY,
$10.00 minimum opening balance
) |
|
0.100%
| 0.100%
|
Passbook Savings
($10.00 minimum balance required to earn APY,
$10.00 minimum opening balance
) |
|
0.500%
| 0.500%
|
Statement Savings
($10.00 minimum balance required to earn APY,
$10.00 minimum opening balance
) |
|
0.500%
| 0.500%
|
Vacation Club Account
($10.00 minimum balance required to earn APY,
$1.00 minimum opening balance
) |
|
0.500%
| 0.500%
|
Holiday Club Account
($10.00 minimum balance required to earn APY,
$1.00 minimum opening balance
) |
|
0.500%
| 0.500%
|
*Fees may reduce earnings. Variable rate may change after account is opened.
APY=Annual Percentage Yield
|
Individual Retirement Accounts*
(Effective: through July 7, 2008)
|
Program
|
Term
| Minimum Daily Balance
to earn APY | Interest Rate
| APY
|
IRAs
|
3 months
|
$2,000.00
| 0.500%
| 0.500%
|
4 months
|
$2,000.00
| 0.500%
| 0.500%
|
6 months
|
$2,000.00
| 0.750%
| 0.750%
|
8 months
|
$1,000.00
| 0.750%
| 0.750%
|
9 months
|
$1,000.00
| 0.750%
| 0.750%
|
11 months
|
$1,000.00
| 1.240%
| 1.250%
|
12 months
|
$1,000.00
| 1.490%
| 1.500%
|
13 months
|
$1,000.00
| 2.470%
| 2.500%
|
18 months
|
$1,000.00
| 1.490%
| 1.500%
|
22 months
|
$1,000.00
| 1.490%
| 1.500%
|
24 months
|
$1,000.00
| 2.960%
| 3.000%
|
30 months
|
$1,000.00
| 2.960%
| 3.000%
|
36 months
|
$1,000.00
| 2.960%
| 3.000%
|
48 months
|
$1,000.00
| 3.010%
| 3.050%
|
60 months
|
$1,000.00
| 3.010%
| 3.050%
|
*Penalties may be imposed on early withdrawals.
Fees may reduce earnings. Rates are subject to change without notice.
Minimum balance required to earn Annual Percentage Yield (APY).
|
Pyramid Money Market *
(Effective: through July 7, 2008)
|
Program
|
Interest Rate
| APY
|
Tier 1 $2,500,000 & up
|
2.470%
| 2.500%
|
Tier 2 $250,000 to $2,499,999.99
|
1.980%
| 2.000%
|
Tier 3 $125,000 to $249,999.99
|
1.490%
| 1.500%
|
Tier 4 $100,000 to $124,999.99
|
1.240%
| 1.250%
|
Tier 5 $75,000 to $99,999.99
|
1.000%
| 1.000%
|
Tier 6 $50,000 to $74,999.99
|
0.500%
| 0.500%
|
Tier 7 $10,000 to $49,999.99
|
0.500%
| 0.500%
|
Tier 8 $2,500 - $9,999.99
|
0.500%
| 0.500%
|
Tier 9 $10 to $2,499.99
|
0.500%
| 0.500%
|
*$10 minimum balance required to earn APY.
$2,500 minimum opening balance.
Fees may reduce earnings.
Variable rate may change after account is opened.
Certain other restrictions may apply.
APY - Annual Percentage Yield
|
Introductory Unsecured Loan
Maximum Dollar Amount - $5,000
Maximum Term - 36 months
9.99% APR for first six months/15.50% APR for remaining term (Annual
Percentage Rate - 13.749% based on a 36 month term)
Payment
examples:
9.99% APR = $32.27 per thousand dollars borrowed for the first six months
15.50% APR = $34.49 based on the remaining 30 months
Unsecured Personal Loan
Maximum Dollar Amount - $7,500
Maximum Term - 36 months
15.75% APR or 14.75% APR with automatic deduction from your StonehamBank
checking account
Payment examples: 15.75% APR = $35.03 per thousand dollars borrowed
14.75% APR = $34.55 per thousand dollars borrowed |
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Products, rates and terms are subject to change without notice.
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| ©2008
StonehamBank - A Co-operative Bank |
