Loan Rates

Home Equity Loans

	APR	Payment per $1,000
Fixed Home Equity*
5 years	5.500%	$19.11
10 years	6.000%	$11.11
15 years	6.500%	$8.72
20 years	7.500%	$8.06

	Rate
Home Equity Line of Credit (Variable rate)	Currently 4.75%

Property Insurance is required on all real estate loans.

Applies to one or two family owner occupied properties in Massachusetts. Financing up to 80% LTV

Minimum loan $5,000

Home Equity Line of Credit - Variable rate - Prime minus 1/4% for the life of the loan. Rate is fixed for the first 6 months. Over the life of the loan, rate will not exceed 18% or go below the initial rate. 10 year draw period and 10 year repayment period. Prime rate as of 05/01/2008 was 5.00 %

Car loan- New and Used

	APR	Payment per $1,000
60 months	6.00%	$19.34
72 months	6.75%	$16.94

Personal Loan*

	APR	Payment per $1,000
48 months	12.75%	$26.71
Vacation Loan Special Up to 12 months up to $2,000!	8.75%

Recreational Vehicle* (R/V, Motorcycle****, Boat)

	APR	Payment per $1,000
60 months	7.99%	$20.27
72 months	8.99%	$18.02

MasterCard Credit Card (No Annual Fee)

	APR
Rates as low as	Prime + 0.99%

Rates may change at any time without notice.

APR, Annual Percentage Rate

*Rates shown are based on our credit grade A. Your actual rate may be higher depending upon your individual credit score. 1/4% discount for automatic payment from your ValleyStone CU account may apply, does not apply to real estate loans or Special rates.

**Additional 1/4% discount for 10% down off MSRP on new vehicles.

*** Used auto cannot be over eight years old by the time financing is complete.

****Motorcycle financing up to 60 months, motorcycle cannot be over seven years old by the time financing is complete.

Federally insured by NCUA

Information

Disclosures

Rates