189 East Main Street, Suite C
Newport, VT 05855 USA

Tel: +802-334-1844

Rates

Share/Savings Accounts
 $75,000 Maximum excluding checking
 
Club Accounts

Christmas-Tax- Fuel- Vacation-Special-Summer-House Hold .40% Div. Rate .00109% APY *
Share Accounts
Should you request a check be written from your account, please email us to whether you would like the check mailed or will be picking the check up.

Regular Shares .40% Div. Rate .000109% APY *
    $25 Minimum
Share Certificate Accounts

share certificates .50% Div. Rate .00137% APY *
    $500 Minimum  6 months
Share Draft Accounts

Share Drafts 0 Div. Rate 0 APY *
Loan Accounts
New Members Loans,  some restrictions apply

Winter Special up to $8000.00 10.99% (.03011)

Home Improvement up to $8000.00 9.% (.02466) must show Tax Bill

 
 Share-Secured Loans

Share – Secured Loans 4.50% APR up to 6 years-4% above last declared dividend rate
  Share balance must equal loan amount
Vehicle Loans

New Vehicle Loans .01164% 4.25% APR Up to 7 Years – never titled
  100% of sticker price
Used Vehicle Loans .01438% 5.25% APR Up to 6 years on 2017-2016-2015
  95% of blue book
Used Auto .01575% 5.75% APR Up to 5 years on 2014-2013
  90% of Blue Book
Used Vehicle Loans.01712% 6.25% APR 4 Years on 2012 and older
  80% of Blue Book
Recreational Vehicle Loans

Recreational Loans .01641% 5.99% APR $1,000.00 to $5,000.00 4 years
Recreational Loans .01641% 5.99% APR $5,001.00 to $10,000.00 5 years
Recreational Loans .01641% 5.99% APR $10,001.00 to $20,000.00 6 years
Personal Loans

Personal Loans .03425% 12.5% APR up to 4 years & under 38% debt to income ratio
  $100 Minimum $4000 Maximum Line of Credit for those who qualify
Personal Loans .03425% 12.5% APR up to 4 years & under 38% debt to income ratio
  $100 Minimum $8000 Maximum must be a member of 5 or more years
Fees & Disclosures
Deposit Account Fees

Regular Share accounts must have $25.00 to open account
Checking accounts must have $25.00 in account to cover cost of 1st checks
Loan Account Fees

Single Loan Application Fee $25.00
Joint Loan Application Fee $50.00
Miscellaneous Fees

CHECKING ACCOUNT FEES
NSF $25.00
Stop Hit Fee $20.00
Account Negative Fee $25.00
Share transfer automatic Fee $10.00
I Pay- inactive for 3 months $5.00