Rates

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Savings rates are computed based on the average monthly account balance. For regular share accounts and IRA, an account may earn dividend credit at multiple rates if the average monthly balance falls into different tiers during each month of the quarter.

* Rates not guaranteed for quarter ending 3/31/13.

Applicants must leave
at least 5% of the loan balance in on deposit regular shares up to a maximum of $100.00.

Signature loan limits
are subject to your
income level.
A co-maker may be required.

We can finance:

95% of the selling price excluding fees & taxes
for new cars **

95% of the N.A.D.A. retail value for 2012, 2011, or 2010 model years

90% of the N.A.D.A. retail value for 2009, 2008, or 2007 model years

85% of the N.A.D.A. retail value for 2006, 2005, or 2004 model years

** Manufacturer rebates count toward the 5% down. Dealer discounts do not.

Vehicle loan value must be a minimum of $6,000.

Share secured loans start at $1,000 and have no maximum.

Home equity loans require submission of an application along with a copy of your deed. They take an average of 3 weeks to process due to appraisal, title search, etc. We will call you to schedule your closing in our office, and funds will be disbursed 3 days after your closing.

The Credit Union must be the first OR second mortgagee for all home equity loans. You may wish to pay off an existing mortgage or mortgages to consolidate payment or lower your interest rate.

Home Equity Loan Application Fees:

$15,000-24,999: $250 with appraisal / $75 without appraisal

$25,000-39,999: $200 with appraisal / $75 without appraisal

$40,000-59,999: $150 with appraisal / $50 without appraisal

$60,000 and up: Free for terms of 6 years or more / Free without appraisal
$100 with appraisal for terms of 5 years or less

(No fees will apply for balloon rewrites where no new money is being loaned. If new money is taken at the time of balloon refinance, an application fee will be charged if a new appraisal is required. An new appraisal is required if the one on file is over 5 years old.)

If a home equity loan is paid off in less than 36 months,
a fee of $150 will be charged.

If you are interested in a loan, please contact Roger or Linda at (570) 825-9950. Loans are disbursed by pre-scheduled appointment in our Wilkes-Barre office, and in many cases you can leave with the check!

You can begin the process by printing out our application forms here.

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APR = Annual Percentage Rate

Signature Loans
             0-18 months
             19-36 months
             37-48 months
             49-60 months

APR

5.75%
6.75%
7.50%
8.25%

Vehicle Loans (2013, 2012, 2011, 2010)

             24 months
             36 months
             48 months with 24 month balloon
             48 months
             60 months

     Available with Mileage Under 20,000 on New
               and 1 Year Old Vehicles:
              72 months with 36 month balloon
              72 months fixed

     Available for $35,000+ Loans on Current
              Model Year:
              84 months with 42 month balloon
              84 months fixed

2.75%
3.20%
2.99%
3.75%
3.90%

3.45%
4.50%

4.50%
5.50%

Vehicle Loans (2009, 2008, 2007)

      36 months
      48 months
      60 months

3.90%
4.25%
4.50%

Vehicle Loans (2006, 2005, 2004)

36 months
48 months

4.50%
4.90%

100% Share Secured Loans

      24 months
      36 months
      48 months with 24 month balloon
      72 months with 36 month balloon
      48 months
      84 months with 42 month balloon
      60 months
      72 months fixed
      84 months fixed

2.75%
3.20%
2.99%
3.45%
3.75%
4.50%
3.90%
4.50%
5.50%

50% Share Secured Loans

      36 months
      48 months
      60 months

5.00%
5.75%
6.25%

Home Equity Loans ($15,000—$99,999)

      Fixed:
                 36 months
                 48 months
                 60 months
                 72 months
                 84 months

       72 months with 3 year balloon
       108 months with 3 year balloon
       144 months with 3 year balloon

96 months with 4 year balloon
144 months with 4 year balloon

120 months with 5 year balloon
180 months with 5 year balloon

144 months with 6 year balloon

168 months with 7 year balloon

Home Equity Loans $100,000 and Over
       Available with approval by the Board of
       Directors at fixed rates for entire term if
       desired.

3.50%
3.75%
3.90%
4.75%
4.90%

3.50%

3.90%
3.90%

4.25%
4.25%

4.25%
4.50%

4.90%

Savings Rates Paid the Quarter Ended 12/31/12*
Average Monthly Share Balance	Annual Percentage Rate	Annual Percentage Yield
Under $500.00	0.000%	0.000%
$500—$4,999.99	0.150%	0.150%
$5,000—$9,999.99	0.150%	0.150%
$10,000—$24,999.99	0.200%	0.200%
$25,000—$49,999.99	0.250%	0.250%
$50,000 and Up	0.300%	0.300%
Christmas Shares
Under $100.00	0.000%	0.000%
$100 and Up	0.150%	0.150%
IRA Accounts
Under $500.00	0.000%	0.000%
$500—$4,999.99	0.400%	0.401%
$5,000—$9,999.99	0.400%	0.401%
$10,000—$24,999.99	0.450%	0.451%
$25,000—$49,999.99	0.450%	0.451%
$50,000 and Up	0.500%	0.501%
Share Draft Accounts
All balances	0.000%	0.000%