| Term | Rate** | Points | APR * | Repayment
per $1,000 | 5 YR| 6.500% | no | 6.500% |
$19.57 | | 10 YR |
6.750% | no |
6.750% |
$11.48 | | 15 YR |
7.000% | no |
7.000% |
$8.99 | | 20 YR |
7.240% | no |
7.240% |
$7.90 |
**
Fixed Equity Loan rate will be reduced by 1/4%
for automatic deduction from RSB checking. | Equity Line of Credit - Adjustable Rate    | | Term | Rate* | Points | APR* | Closing Costs | Repayment
Terms | | ** see below | *5.250
**5.000% | no | * 5.250
** 5.000% | no | ** see below |
APR=Annual Percentage Rate.
Prime Lending Rate
is presently 3.250% Rate Cap: 18%,
Rate Floor is 5.250%
*Rate: Prime plus 0.750% for the life of the
loan adjusted monthly. (15 yr interest only draw
period/10 yr P&I payback)
**Initial Reduced Rate: Fixed rate of 5.000% for
the first six (6) months if borrower(s) open a
RSN checking account and sets up an auto deduct
payment for line of credit. Thereafter,
prime plus 0.750% for the life of the loan
adjusted monthly.
Minimum monthly payment will equal all accrued
interest as of the closing date of the billing
cycle plus 0.05% of outstanding balance of
principal on the closing date of the billing
cycle provided the principle payment shall not
be less that $50.00 plus any amounts past due,
after which the balance is amortized over 10
yrs.
Owner-occupied only. Up to 80%
CLTV based on tax assessment /AVM 1-2 units.
CLTV over 50% may require an appraisal.
1-2 unit; Maximum Loan Amount: $250,000.
Minimum Loan Amount $10,000. A
recuperation cost of up to $400.00 on loan
amounts $24,999 and below will be paid at
application. No normal closing costs on
loan amounts $25,000 and above, however, if loan
is terminated within the first 2 years, a
recuperation fee of up to $400.00 may be
assessed. Repayment terms per $1,000.00
borrowed.
| Auto Loan   | Type | Rate/APR | Maximum LTV | Maximum Term | Repayment
per $1,000 | | New Auto |
6.875%* | 95% of base purchase price or current NADA Average Retail Value (if available)
| 60 Months | $19.51 | | Used Auto |
7.250% | NADA Average Retail Value or 90% of Purchase (whichever is lower)
| 48 Months | $23.84 |
* APR=Annual Percentage Rate. This rate
will be reduced by one-half percent (0.50) with
automatic deduction from RSB checking.
| Other Consumer Loans | | Type | Rate/APR | Maximum LTV | Maximum Term | Repayment
per $1,000 | | Personal | 14.25%* | $7,500 | 48 Months | $27.21 | | Access Plus Revolving Credit |
6.00% above Prime, Current Rate 9.250% | $7,500 | n/a | n/a |
Savings
Secured
Loan | Deposit
rate plus 3.00% | 95% of balance | n/a | n/a | | Term Secured | Deposit Rate plus 3.00% | 90% of balance | n/a | n/a |
*APR=Annual Percentage Rate. This rate
will be reduced by one-half percent (0.50) with
automatic deduction from RSB checking account. Rates may increase if deposit rate changes.
  
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