| CONSUMER LOAN RATES |
| as of March 16, 2010 |
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| Home Equity Loans |
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Term |
|
Monthly Cost Per |
| Loan Type |
Loan |
Amounts |
(Mos.) |
APR |
$1,000 Borrowed |
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| Line of Credit |
$20,000 - |
$200,000.00 |
240 |
4% - (FLOOR) |
N/A |
| Variable Rate |
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Adjusts monthly based on
Prime Rate |
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| Fixed Rate |
$25,000 - |
$200,000.00 |
60 |
6.250% |
$19.45 |
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$25,000 - |
$200,000.00 |
120 |
6.500% |
$11.35 |
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$25,000 - |
$200,000.00 |
180 |
6.625% |
$8.78 |
| Home Equity
Loans and Lines of Credit Require Property Insurance. |
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| Secured Loans |
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Maximum |
Term |
|
Monthly Cost Per |
| Loan Type |
|
Amount |
(Mos.) |
APR |
$1,000 Borrowed |
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| New Auto Loan* |
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$30,000.00 |
48 |
6.375% |
$23.66 |
| (2010 & 2009 model year) |
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$30,000.00 |
60 |
6.500% |
$19.57 |
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| New Auto Loan
- 100% Financing |
$35,000.00 |
60 |
7.500% |
$20.04 |
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| Used Auto Loan** |
|
$20,000.00 |
48 |
6.625% |
$23.77 |
| (2004 through 2009 model years) |
$20,000.00 |
60 |
6.750% |
$19.68 |
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| Passbook Loan -
Amortizing |
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| Against Savings Acct. |
|
90% of balance |
60 |
3% above rate |
N/A |
| Against CD Acct. |
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90% of balance |
remaining term of |
3% above rate |
N/A |
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CD minus 30 days |
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| Passbook Loan
- Non-Amortizing |
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| Against Savings Acct |
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90% of balance |
remaining term |
3% above rate |
N/A |
| Against CD Acct. |
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90% of balance |
remaining term of |
3% above rate |
N/A |
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CD minus 90 days |
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| Overdraft Line of
Credit |
|
$10,000.00 |
N/A |
18.000% |
N/A |
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| Unsecured Loans |
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Maximum |
Term |
|
Monthly Cost Per |
| Loan Type |
|
Amount |
(Mos.) |
APR |
$1,000 Borrowed |
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| Personal Unsecured |
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| With Easy Pay$ |
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$10,000.00 |
24 |
12.250% |
$47.19 |
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$10,000.00 |
48 |
12.750% |
$26.70 |
| Without Easy Pay$ |
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$10,000.00 |
24 |
12.750% |
$47.42 |
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$10,000.00 |
48 |
13.250% |
$26.95 |
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| * 20% down
payment of purchase price required. |
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| ** Maximum
loan amount is 80% of Retail Value. |
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| $ Easy Pay is
the automatic deduction of loan payments from a Hyde Park Savings Bank
checking account. |
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| Hyde Park
Savings Bank does not offer debt consolidation loans. |
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| Rates subject
to change without notice. |
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