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Automobile Loans |
|
Product |
Term in Months |
Interest Rate / APR |
Payment per $1,000 |
|
New Automobile |
60 |
3.24% |
$18.08 |
|
New Automobile |
66 |
3.74% |
$16.79 |
|
New Automobile |
72 |
4.24% |
$15.75 |
|
Used Automobile |
60 |
3.24% |
$18.08 |
Note:
- Rates require monthly payments to be automatically drafted from C&G Savings Bank checking account. (Other rates and terms available).
- APR = Annual Percentage Rate.
- For both New & Used Automobiles, terms and conditions may vary based on qualifications.
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| Education Loans |
| Important Information |
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On March 25, 2010 the U.S. Congress passed the Student Aid and Fiscal Responsibility Act (SAFRA) which among other things provided for the elimination of the Federal Family Education Loan Program (FFELP). Student loans will now... Read more
| Home Equity Installment Loans |
| Product |
Term in Months |
Interest Rate / APR |
Payment per $1000 |
| Up to 80% of appraised value |
|
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|
| Home Equity Loan |
36 |
2.74% |
$28.97 |
|
Home Equity Loan
|
60 |
2.99% |
$17.96 |
| Home Equity Loan |
84 |
3.49% |
$13.44 |
| Home Equity Loan |
120 |
4.49% |
$10.36 |
| Home Equity Loan |
180 |
4.74% |
$7.77 |
| Home Equity Loan |
240 |
5.74% |
$7.02 |
Note:
- APR = Annual Percentage Rate.
- Rate requires monthly payments to be automatically drafted from C & G Savings Bank checking account. (Other rates and terms available).
- For 181-240 Months Term, 1st Lien Position Only
| Home Equity Line of Credit |
| Product |
Term in Months |
Introductory Interest Rate / APR |
Fully Indexed Interest Rate / APR |
| Home Equity Line of Credit |
Revolving |
2.24% |
4.25% |
Note:
- APR = Annual Percentage Rate. APR is variable, and may increase after consummation. Introductory Rate applicable for the first six billing cycles of the account.
- For a Home Equity Line of Credit, It can be up to 80% of appraised value. The borrower required to pay a $262.50 closing fee if account is closed within two years of origination date.
- Fully Indexed Interest Rate APR is variable, and may increase after consummation, up to a maximum of 18%.
| Lines of Credit |
| Product |
Term in Months |
Introductory Interest Rate/APR |
Fully Indexed Interest Rate/APR |
| Personal Line of Credit |
Revolving |
5.24% |
6.25% |
| Overdraft Line of Credit |
Revolving |
n/a |
6.25% |
Note:
- APR = Annual Percentage Rate. APR is variable, and may increase after consummation. Introductory Rate applicable for the first six billing cycles of the account.
- Fully Indexed Interest Rate APR is variable, and may increase after consummation, up to a maximum of 18%.
| Mortgage Loans |
| Product |
Interest Rate |
APR |
Points |
Payment per $1,000 |
| 10-Year Fixed Rate |
4.500% |
4.500% |
0 |
$10.36 |
| 15-Year Fixed Rate |
4.500% |
4.804% |
2 |
$7.65 |
| 15-Year Fixed Rate |
4.625% |
4.776% |
1 |
$7.71 |
| 15-Year Fixed Rate |
4.750% |
4.750% |
0 |
$7.78 |
| 20-Year Fixed Rate |
5.500% |
5.500% |
0 |
$6.88 |
| 30-Year Fixed Rate |
5.375% |
5.557% |
2 |
$5.60 |
| 30-Year Fixed Rate |
5.500% |
5.591% |
1 |
$5.68 |
| 30-Year Fixed Rate |
5.625% |
5.625% |
0 |
$5.76 |
| 1 Year Adjustable Rate |
3.875% |
3.958% |
1 |
$4.70 |
| 1 Year Adjustable Rate |
4.000% |
4.000% |
0 |
$4.77 |
| First Time Home Buyer Program (see note below) |
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Note:
- Loan amounts up to $417,000. 20% down payment or equity required. Rate requires monthly payments to be automatically drafted from C&G Savings Bank checking account. (Other rates and terms available).
- APR = Annual Percentage Rate.
- For 1 Year Adjustable Rates, APR is variable and may increase after closing.
- For First Time Homebuyers, stop by your nearest C&G branch office or call for full program details.
| Biweekly Mortgage Loans |
| Product |
Interest Rate |
APR |
Points |
Payment per $1,000 |
| 10-Year Fixed Rate |
4.375% |
4.375% |
0 |
$10.30 |
| 15-Year Fixed Rate |
4.375% |
4.678% |
2 |
$7.59 |
| 15-Year Fixed Rate |
4.500% |
4.651% |
1 |
$7.65 |
| 15-Year Fixed Rate |
4.625% |
4.625% |
0 |
$7.71 |
| 20-Year Fixed Rate |
5.375% |
5.375% |
0 |
$6.81 |
| 30-Year Fixed Rate |
5.250% |
5.431% |
2 |
$5.52 |
| 30-Year Fixed Rate |
5.375% |
5.466% |
1 |
$5.60 |
| 30-Year Fixed Rate |
5.500% |
5.500% |
0 |
$5.68 |
Note:
- Loan amounts up to $417,000. 20% down payment or equity required. Rate requires bi-weekly payments to be automatically drafted every 14 days from a C&G Savings Bank checking account. This allows the loan to payoff at a faster amortization. (Other rates and terms available).
- APR = Annual Percentage Rate.
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Personal Loans |
|
Product |
Term in Months |
Interest Rate/APR |
Payment per $1,000 |
|
Secured Installment Loan |
60 |
4.24% |
$18.53 |
|
Unsecured Installment Loan |
60 |
6.24% |
$19.44 |
|
Share Loan |
Interest Only |
2.00% |
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Note:
- For both Secured & Unsecured Installment Loans, the rate requires monthly payments to be automatically drafted from C & G Savings Bank checking account. (Other rates and terms available). Terms and conditions may vary based on qualifications.
- For Share Loan, APR is variable and may increase after consummation. The APR is above the collateral rate.
- APR = Annual Percentage Rate.
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Effective date: 05/20/2012
All rates are subject to change without notice.
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