Rates

Loans| Mortgage| Savings| Certificates

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	4.7500	4.7500	60	Calculator
FUEL LOAN	4.9900	4.9900	12	Calculator

*APR=Annual Percentage Rate. The rates quoted are subject to change without notice.
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Product

Term

APR* ( as low as)


NEW AUTO* up to 60 months
4.75%**

Calculator

NEW AUTO* 72 months
5.99 %

Calculator

NEW AUTO* 84 months
6.25 %

Calculator

USED AUTO 2004-2007* up to 48 months
4.75%**

Calculator

USED AUTO 2004 - 2007* 60 months
4.75%**

Calculator

USED AUTO 2000- 2003* 24 months
6.50 %

Calculator

USED AUTO 2000 - 2003* 36 months
6.75 %

Calculator

USED AUTO 2000 - 2003* 48 months
7.00 %

Calculator

USED AUTO 2000 - 2003* 60 months
7.25 %

Calculator

NEW MOTORCYCLE up to 60 months
7.00 %

Calculator

USED MOTORCYCLE 2000 - 2007* up to 48 months
7.50 %

Calculator

RECREATIONAL VEHICLE* up to 180 months
9.00 %

Calculator

*APR=ANNUAL PERCENTAGE RATE. THE RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

*RATES SHOWN ARE FOR MEMBERS WITH THE HIGHEST CREDIT SCORE.
OTHER RATES ARE AVAILABLE, BASED ON YOUR CREDIT SCORE.
MEMBERS MUST BORROW A MINIMUM OF $25K TO FINANCE FOR 84 MONTHS.
** A SEAPORT NOW ACCOUNT WITH DIRECT DEPOSIT OF NET PAY IS REQUIRED TO QUALIFY FOR THIS RATE.

AN ADDITIONAL .50 BASIS POINT RATE REDUCTION IF NET PAY IS DIRECT DEPOSITED INTO A CHECKING ACCOUNT.

EXAMPLE: 5.50 % APR = 5.00 % APR.

APR* = ANNUAL PERCENTAGE RATE
ALL APR'S ARE BASED ON A 20% DOWN PAYMENT.
*** NO POINTS/ NO CLOSING COSTS ON FIXED RATE MORTGAGE.
** INTRODUCTORY RATE IS DISCOUNTED.
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%.
RATES SUBJECT TO CHANGE WITHOUT NOTICE.

30 YEAR FIXED RATE MORTGAGE

Rate	Points	APR*	Pmt. Per $1,000
5.500%	2	5.684%	$5.68
5.625%	1	5.717%	$5.76
5.750%	0	5.750%	$5.84
6.375%***		6.375%***	$6.24

20 YEAR FIXED RATE MORTGAGE

Rate	Points	APR*	Pmt Per $1,000
5.375%	2	5.621%	$6.81
5.500%	1	5.623%	$6.88
5.625%	0	5.625%	$6.95
6.250%***		6.250%***	$7.31

15 YEAR FIXED RATE MORTGAGE

Rate	Points	APR*	Pmt Per $1,000
5.250%	2	5.560%	$8.04
5.375%	1	5.530%	$8.10
5.500%	0	5.500%	$8.17
6.125%***		6.125%***	$8.71

1 YEAR ADJUSTABLE RATE MORTGAGE

Rate	Points	APR*	Pmt Per $1,000
5.250 %**	1	4.418 %**
5.500 %**	0	4.353 %**

3/1 YEAR ADJUSTABLE RATE MORTGAGE

Rate	Points	APR*	Pmt Per $1,000
5.500 %**	1	4.631 %**
5.625 %**	0	4.573 %**

5/1 YEAR ADJUSTABLE RATE MORTGAGE

Rate	Points	APR*	Pmt Per $1,000
5.625 %	1	4.761 %
5.750 %	0	4.809 %

10 YEAR FIXED RATE HOME EQUITY LOAN

Rate	Points	APR*	Pmt Per $1,000
6.500%	0	6.500%	$11.36

15 YEAR FIXED RATE HOME EQUITY LOAN

Rate	Points	APR*	Pmt Per $1,000
6.750%	0	6.750%	$8.85

20 YEAR FIXED RATE HOME EQUITY LOAN

Rate	Points	APR*	Pmt Per $1,000
7.000%	0	7.000%	$7.76

HOME EQUITY (VARIABLE RATE) LINE OF CREDIT

Rate	Points	APR*
Prime + 0	0	Prime + 0

PRIME RATE

Rate	Points	APR*
3.250%		3.250%

APR* = ANNUAL PERCENTAGE RATE
ALL APR'S ARE BASED ON A 20% DOWN PAYMENT.
*** NO POINTS/ NO CLOSING COSTS ON FIXED RATE MORTGAGE.
** INTRODUCTORY RATE IS DISCOUNTED.
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%
RATES SUBJECT TO CHANGE WITHOUT NOTICE.
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Checking	Rate	APY*	Term
NOW CHECKING	0.000	0.000	n/a
e-CHECKING	0.250	0.250	n/a
SENIOR ADVANTAGE CHECKING	0.500	0.500	n/a
ADVANTAGE CHECKING BALANCES UP TO $500.00	0.000	0.000	n/a
ADVANTAGE CHECKING BALANCES UP TO $1,000.00	0.500	0.500	n/a
ADVANTAGE CHECKING BALANCES UP TO $2,500.00	0.750	0.750	n/a
ADVANTAGE CHECKING BALANCES OVER $2,500.00	1.000	1.000	n/a
SEAPORT PREFERRED CHECKING BALANCES FROM $25,000.00 TO $49,999.99	2.320	2.350
SEAPORT PREFERRED CHECKING BALANCES FROM $50,000.00 TO $74,999.99	2.420	2.450
SEAPORT PREFERRED CHECKING BALANCES FROM $75,000.00 TO $99,999.99	2.620	2.650
SEAPORT PREFERRED CHECKING BALANCES $100,000.00 AND UP	2.810	2.850
Savings	Rate	APY*	n/a
MAIN SHARE SAVINGS	0.500	0.500	n/a
CLUB ACCOUNTS	0.500	0.500	n/a
MONEY MARKET (BALANCES LESS THAN $1,000)	0.500	0.500	n/a
MONEY MARKET (BALANCES LESS THAN $2,500)	0.750	0.750	n/a
MONEY MARKET (BALANCES LESS THAN $10,000)	1.000	1.000	n/a
MONEY MARKET (BALANCES LESS THAN $25,000)	1.100	1.110	n/a
MONEY MARKET (BALANCES GREATER THAN $25,000)	1.200	1.210	n/a
MONEY MARKET (BALANCES GREATER THAN $100,000.00)	1.450	1.460	n/a

APY= Annual Percentage Yield. The rates quoted are subject to change without notice. Dividends are credited to your account and compounded monthly.
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Certificate SPECIALS:
Rate APY* Term

Certificates	Rate	APY*	Term
3 MONTH TERM SHARE CERTIFICATE	1.73	1.75	3
6 MONTH TERM SHARE CERTIFICATE	1.93	1.95	6
12 MONTH TERM SHARE CERTIFICATE	2.47	2.50	12
18 MONTH TERM SHARE CERTIFICATE	2.96	3.00	18
24 MONTH TERM SHARE CERTIFICATE	3.01	3.05	24
36 MONTH TERM SHARE CERTIFICATE	3.05	3.10	36
48 MONTH TERM SHARE CERTIFICATE	3.15	3.20	48

Individual Retirement Account Certificates	Rate	APY*	Term
12 MONTH TERM SHARE CERTIFICATE	2.47	2.50	12
18 MONTH TERM SHARE CERTIFICATE	2.96	3.00	18
24 MONTH TERM SHARE CERTIFICATE	3.01	3.05	24
36 MONTH TERM SHARE CERTIFICATE	3.05	3.10	36
48 MONTH TERM SHARE CERTIFICATE	3.15	3.20	48
60 MONTH TERM SHARE CERTIFICATE	3.20	3.35	60
Please call to make an appointment with an IRA Specialist

*APY=Annual Percentage Yield. The rates quoted are subject to change without notice. Certificate rates remain fixed for the term of the certificate. A penalty will be imposed for withdrawals before maturity. Dividends on your account will be compounded monthly, and credited to your account monthly and at maturity.
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