monsonlogo
Live chat
 
 

 
   
CURRENT RATES  
   
MORTGAGE LOANS
Fixed Rate Purchase Transactions
  

Rates as of Wednesday, March 10, 2010
Interest Rate Points Annual Percentage Rate Payment per $1,000 Payments Closing Costs Apply
40 Year Fixed -Purchase
5.000% 2.000 5.174% $4.82 Show Payments and Rates $7,054.59
5.125% 1.000 5.225% $4.91 Show Payments and Rates $5,413.14
5.250% 0.000 5.275% $4.99 Show Payments and Rates $3,771.69
30 Year Fixed -Purchase
4.625% 2.000 4.829% $5.14 Show Payments and Rates $7,028.79
4.750% 1.000 4.867% $5.22 Show Payments and Rates $5,387.34
4.875% 0.000 4.905% $5.29 Show Payments and Rates $3,745.89
20 Year Fixed -Purchase
4.375% 2.000 4.652% $6.26 Show Payments and Rates $7,011.54
4.500% 1.000 4.658% $6.33 Show Payments and Rates $5,370.09
4.625% 0.000 4.665% $6.39 Show Payments and Rates $3,728.79
15 Year Fixed -Purchase
3.875% 2.000 4.224% $7.33 Show Payments and Rates $6,977.19
4.000% 1.000 4.199% $7.40 Show Payments and Rates $5,335.74
4.250% 0.000 4.301% $7.52 Show Payments and Rates $3,702.99
10 Year Fixed -Purchase
3.750% 2.000 4.251% $10.01 Show Payments and Rates $6,968.64
3.875% 1.000 4.161% $10.07 Show Payments and Rates $5,327.19
4.000% 0.000 4.072% $10.12 Show Payments and Rates $3,685.74
Fixed Rate Residential Mortgage Disclosure:
Rates are subject to change without notice. Annual percent rates are based on $165,000 loan with 20% down and include 0, 1, or 2 points as illustrated in the respective products. Terms of repayment for fixed rate products: 120 monthly payments, 180 monthly payments, 360 monthly payments of or 480 monthly payments. This offer and the above rates are all subject to change or withdrawal without notice. In order to receive a guaranteed rate an application must be submitted, an appraisal must be done, an agreement must be signed, and a refundable rate lock fee must be paid to Monson Savings Bank.
Adjustable Rate Purchase Transactions 		 

Rates as of Wednesday, March 10, 2010
Interest Rate Points Annual Percentage Rate Fully Indexed Rate Payment per $1,000 Payments Closing Costs Apply
1 Year ARM
Term 30 years - Caps 2% / 6% - Margin 2.75%
5.250% 0.000 3.333% 3.125% $5.52 Show Payments and Rates $3,771.69
3 Year ARM
Term 30 Years - Caps 2% / 6% - Margin 2.75%
5.625% 0.000 4.510% 4.125% $5.76 Show Payments and Rates $3,797.49
3/1 Year ARM
Term 30 years - Caps 2% / 4% - Margin 2.75%
5.500% 0.000 3.722% 3.125% $5.68 Show Payments and Rates $3,788.94
4/1 Year ARM
Term 30 years - Caps 2% / 4% - Margin 2.75%
5.625% 0.000 3.933% 3.125% $5.76 Show Payments and Rates $3,797.49
5/1 Year ARM
Term 30 years - Caps 2% / 4% - Margin 2.75%
5.750% 0.000 4.153% 3.125% $5.84 Show Payments and Rates $3,806.04

Adjustable Rate Residential Mortgage Disclosure:

Rates are for conventional financing and are subject to change without notice. Annual percent rates are based on $165,000 loan with 20% down and include 0, 1, or 2 points as illustrated in the respective products. One year ARM has caps of 2/6 and are based on the 1 year US Treasury rate with a 2.75% margin. Three year ARM has caps of 2/6 and are based on the 3 year US Treasury rate with a 2.75% margin. 3/1, 4/1 & 5/1 ARM have caps of 2/4 and are based on the 1 year US Treasury rate with a 2.75% margin. Annual percentage rates are based on a $165,000 loan with 20% down and include 0 points as illustrated on the respective products. Terms of repayment for adjustable rate products: Subject to change without notice. APR may increase after consummation.

Construction Products
 

Rates as of Wednesday, March 10, 2010
Interest Rate Points Annual Percentage Rate Payment per $1,000 Payments Closing Costs Apply
12 Months Construction
Term 30 Years
5.375% 0.000 5.444% $4.48 Show Payments and Rates $3,710.85
12 Months Construction
Term 15 Years
4.750% 0.000 4.858% $3.96 Show Payments and Rates $3,667.80

Construction Disclosure:
Rates are for conventional financing and are subject to change without notice. Annual percentage rates are based on $165,000.00 loan with 20% down, include 0 points, and a 12 month construction period. This offer and the above rates are subject to change or withdrawal without notice.  Contact Bank for Non-Conforming and Jumbo Rates.

 

  
CONSUMER LOANS
Automobile Products

Rates as of Wednesday, March 10, 2010
Product Description Interest Rate Annual Percentage Rate Payment per $1,000 Payments Apply
New Car Loan
48 Months
New Car 2010/2009   		7.000% 7.000% $23.95 Show Payments and Rates
60 Months
New Car 2010/2009   		7.500% 7.500% $20.04 Show Payments and Rates
Used Car Loan
48 Months
Used Car 2009 -2006   		8.000% 8.000% $24.41 Show Payments and Rates
36 Months
Used Car 2005- 2004   		8.750% 8.750% $31.68 Show Payments and Rates
24 Months
Older Vehicles prior to 2004   		13.750% 13.750% $47.89 Show Payments and Rates
Home Equity Line of Credit

Rates as of Wednesday, March 10, 2010
Interest Rate Points Annual Percentage Rate Payment per $1,000 Payments Apply
Home Equity Line of Credit
3.250% 0.000 3.250% $2.71 Show Payments and Rates
 
 
Home Equity Loans

Rates as of Wednesday, March 10, 2010
Interest Rate Points Annual Percentage Rate Payment per $1,000 Payments Closing Costs Apply
Home Equity Loan - 75% LTV - 5 Years
5.750% 0.000 6.151% $19.22 Show Payments and Rates $271.00
Home Equity Loan - 75% LTV - 10 Years
6.250% 0.000 6.465% $11.23 Show Payments and Rates $271.00
Home Equity Loan - 75% LTV - 15 Years
6.500% 0.000 6.653% $8.71 Show Payments and Rates $271.00
Home Equity Loan - 75% LTV - 20 Years
7.000% 0.000 7.125% $7.75 Show Payments and Rates $271.00