Rates

Loans| Mortgage| Savings| Certificates

Product Types - Automobile, Light Truck, Van and SUV

Product

Term

APR*

New Auto up to 36 months
3.74%

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48 to 60 months
4.49%

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72 months
5.75%

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84 months
6.00%

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Used Auto 2006 - 2010 up to 36 months
3.99%

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48 to 60 months
4.74%

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Used Auto 2002 - 2005 24 months
6.50%

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36 months
6.75%

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48 months
7.00%

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60 months
7.25%

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New Motorcycle up to 60 months
7.00%

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Used Motorcycle 2002 - 2010 up to 48 months
7.50 %

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Recreation Vehicles up to 180 months
9.00 %

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*APR = Annual Percentage Rate. The rates quoted are subject to change without notice.
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Rates shown are for members with the highest credit scores.
Other rates are available based on credit score.
Members must borrow a minimum of $25,000 to finance for 84 months.

Product Type - Mortgages - New & Refinance

30 YEAR FIXED RATE MORTGAGE*

Rates	Points	APR*	Pmt Per $1,000
5.000%	2	5.178%	$5.37
5.125%	1	5.214%	$5.45
5.250%	0	5.250%	$5.53
6.500%	No Points, No Closing Costs	6.500%	$6.33

15 YEAR FIXED RATE MORTGAGE*

Rates

Points

APR*

Pmt Per $1,000

4.25%

2

4.552%

$7.53

4.375%

1

4.525%

$7.60

4.50%

0

4.50%

$7.65

6.00%

No Points, No Closing Costs

6.00%

$8.44

10 YEAR FIXED RATE MORTGAGE*

Rates

Points

APR*

Pmt Per $1,000

3.99%

1

4.205%

$10.12

4.25%

0

4.25%

$10.25

*Based on a $100,000 loan with 80% LTV. Offer subject to credit approval. Rates subject to change without notice. Other terms & rates available. Maximum loan amount $417,000. Fixed rate mortgages. Must live or work in Essex County to be eligible for Membership.

**OTHER FIXED-RATE TERMS & RATES AVAILABLE. Please call, 978-744-1153 or email, loans@seaportcu.org.

1 YEAR ADJUSTABLE RATE MORTGAGE*

Rates

Points

APR*

Pmt Per $1,000

4.750%

0

3.251%

$5.22

3/1 YEAR ADJUSTABLE RATE MORTGAGE*

Rates

Points

APR*

Pmt Per $1,000

4.875%

0

3.516%

$5.30

5/1 YEAR ADJUSTABLE RATE MORTGAGE*

Rates

Points

APR*

Pmt Per $1,000

5.00%

0

3.795%

$5.37

10 YEAR FIXED RATE HOME EQUITY LOAN*

Rates

Points

APR*

Pmt Per $1,000

6.250%

0

6.250%

$11.23

15 YEAR FIXED RATE HOME EQUITY LOAN*

Rates

Points

APR*

Pmt Per $1,000

6.500%

0

6.500%

$8.72

20 YEAR FIXED RATE HOME EQUITY LOAN*

Rates

Points

APR*

Pmt Per $1,000

6.750%

0

6.750%

$7.61

HOME EQUITY LINE OF CREDIT - PRIMELINE (VARIABLE RATE)*

Rates

Points

APR*

Prime

0

Prime

*Prime Rate is currently 3.250%

*APR = Annual Percentage Rate. The rates quoted are subject to change without notice.
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APR based on a 20% downpayment.
2% Annual Cap - 6% Lifetime Cap - 2.75% Margin on Adjustable Rate Mortgages.
Rate Cap on Home Equity Line of Credit is 18% - Floor Cap 5%.

CHECKING ACCOUNTS*

Checking Account Name	Rate	APY*
NOW Checking	0.00%	0.00%
Student Checking	0.00%	0.00%
eChecking	0.15%	0.15%
Senior Advantage Checking	0.15%	0.15%
Advantage Checking (Tiered Rate Structure)
Balances up to $500	0.00%	0.00%
Balances up to $1,000	0.10%	0.10%
Balances up to $2,500	0.15%	0.15%
Balances over $2,500	0.25%	0.25%
Seaport Preferred Checking (Tiered Rate Structure)
Balances up to $24,999	0.00%	0.00%
$25,000 - $49,999	0.90%	0.90%
$50,000 - $74,999	0.95%	0.95%
$75,000 - $99,999	1.05%	1.06%
Balances over $100,000	1.14%	1.15%

*APY is Annual Percentage Yield. The rates quoted above are accurate as of the date indicated and are subject to change without notice. Dividends are compounded and credited monthly based on the average daily balance in your account. If your average daily balance falls below the minimum for that dividend period, you will not earn any dividends during that period. Variable share deposit rate account rates may change after account is opened. Fees could reduce the earnings on my account.

SAVINGS ACCOUNTS*

Savings Rate APY*

MAIN SHARE SAVINGS 0.300 0.300

CLUB ACCOUNTS 0.300 0.300

MONEY MARKET (BALANCES $25.00 TO $999.99) 0.350 0.350

MONEY MARKET (BALANCES $1,000.00 TO $2,499.99) 0.350 0.350

MONEY MARKET (BALANCES $2,500.00 TO $9,999.99) 0.750 0.750

MONEY MARKET (BALANCES $10,000.00 TO $24,999.99) 0.750 0.750

MONEY MARKET (BALANCES $25,000.00 TO $99,999.99) 1.000 1.000

MONEY MARKET (BALANCES GREATER THAN $100,000.00) 1.240 1.250

CERTIFICATE OF DEPOSIT*

Certificates	Rate	APY*	Term
3 MONTH TERM SHARE CERTIFICATE	0.80	0.80	3
6 MONTH TERM SHARE CERTIFICATE	0.90	0.90	6
12 MONTH TERM SHARE CERTIFICATE	1.24	1.25	12
18 MONTH TERM SHARE CERTIFICATE	1.49	1.50	18
24 MONTH TERM SHARE CERTIFICATE	1.74	1.75	24
36 MONTH TERM SHARE CERTIFICATE	1.98	2.00	36
48 MONTH TERM SHARE CERTIFICATE	2.23	2.25	48
60 MONTH TERM SHARE CERTIFICATE	2.47	2.50	60

*APY is Annual Percentage Yield. The rates quoted above are accurate as of the date indicated and are subject to change without notice. Certificate rates remain fixed for the term of the certificate. Dividends are compounded daily and credited to your account monthly. A penalty may be imposed for withdrawals before maturity. Fees could reduce the earnings on any account.

IRA'S*

Individual Retirement Account Certificates
Rate APY* Term

12 MONTH TERM SHARE CERTIFICATE 1.24 1.25 12

18 MONTH TERM SHARE CERTIFICATE 1.49 1.50 18

24 MONTH TERM SHARE CERTIFICATE 1.74 1.75 24

36 MONTH TERM SHARE CERTIFICATE 1.98 2.00 36

48 MONTH TERM SHARE CERTIFICATE 2.23 2.25 48

60 MONTH TERM SHARE CERTIFICATE 2.47 2.50 60

Please call to make an appointment with an IRA Specialist

PERSONAL LOANS*

Loans Rate APR* Term

PERSONAL LOAN 11.500 11.500 12 Calculator

PERSONAL LOAN 12.000 12.000 24 Calculator

PERSONAL LOAN 13.000 13.000 36 Calculator

PERSONAL LOAN 14.000 14.000 48 Calculator

OVERDRAFT PROTECTION 18.000 18.000 n/a

PLATINUM MASTERCARD CREDIT CARD 11.900 11.900 n/a

SHARE SECURED 4.3000 4.3000 60 Calculator

FUEL LOAN 4.9900 4.9900 12 Calculator

*APR=Annual Percentage Rate. Rates subject to change without notice.

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