Androscoggin Bank Rates

Effective July 02, 2008

Rates subject to change without notice.
A Penalty Will Be Imposed for Early Withdrawal.
Stated minimum opening balance is required to obtain APY on all deposit accounts.

Account Type

Minimum
Opening
Balance

Interest
Rate

Annual
Percentage
Yield

Partners
Plus
Interest
Rate

Partners
Plus
APY

6 Month CD*

$500

1.98%

2.00%

2.22%

2.25%

1 Year CD*

$500

1.98%

2.00%

2.22%

2.25%

$500

2.96%

3.00%

3.20%

3.25%

18 Month CD*

$500

2.47%

2.50%

2.71%

2.75%

18 Month Variable Rate IRA CD*

$500

2.43%

2.46%

2.43%

2.46%

2 Year CD*

$500

2.52%

2.55%

2.76%

2.80%

3 Year CD*

$500

3.92%

4.00%

3.92%

4.00%

4 Year CD*

$500

3.10%

3.15%

3.34%

3.40%

5 Year CD*

$500

3.10%

3.15%

3.34%

3.40%

*Also available for IRAs with $500 minimum. IRA Savings Accounts are available with less than $500 deposit.
Regular, Roth and Education IRAs available.
At maturity, the 9 and 13 month certificates of deposit will automatically renew into a 12 month certificate of deposit, paying the prevailing 12 month APY, unless otherwise notified.
For more information, contact an Androscoggin Bank representative.

Effective July 02, 2008

Rates subject to change without notice once the account has been opened. Fees may reduce earnings.
Stated minimum opening balance is required to obtain APY on all deposit accounts.

Account Type

Account Name

Minimum
Opening
Balance

Simple
Interest
Rate

Annual
Percentage
Yield

Checking Accounts

Partners Plus Checking

$0.00

.10%

.10%

Community NOW (non-profits)

$0.00

.10%

.10%

Savings Accounts

Basic Savings

$0.00 - $9,999.99

0.25%

0.25%

$10,000.00

0.25%

0.25%

$20,000.00

0.50%

0.50%

$50,000.00

.99%

1.00%

Partners Savings*

$0.00 -
$4,999.99

0.25%

0.25%

$5,000 -
$24,999.99

1.00%

1.00%

$25,000 -
$49,999.99

2.08%

2.10%

$50,000 -
$74,999.99

2.18%

2.20%

$75,000 -
$99,999.99

2.27%

2.30%

$100,000 PLUS

2.57%

2.60%

Business Partners Savings*

$0.00 -
$4,999.99

0.25%

0.25%

$5,000 -
$24,999.99

1.00%

1.00%

$25,000 -
$49,999.99

1.74%

1.75%

$50,000 -
$74,999.99

1.88%

1.90%

$75,000 -
$99,999.99

1.98%

2.00%

$100,000 PLUS

2.27%

2.30%

Money Market Account

$0.00 -
$4,999.99

0.25%

0.25%

$5,000 -
$24,999.99

0.25%

0.25%

$25,000 -
$49,999.99

1.24%

1.25%

$50,000 -
$74,999.99

1.74%

1.75%

$75,000 -
$99,999.99

1.98%

2.00%

$100,000 PLUS

2.23%

2.25%

Business Money Market Account

$0.00 -
$4,999.99

0.25%

0.25%

$5,000 -
$24,999.99

0.25%

0.25%

$25,000 -
$49,999.99

1.00%

1.00%

$50,000 -
$74,999.99

1.49%

1.50%

$75,000 -
$99,999.99

1.74%

1.75%

$100,000 PLUS

1.98%

2.00%

$0.00

0.25%

0.25%

$0.00 -
$4,999.99

2.57%

2.60%

$5,0000.00 PLUS

2.57%

2.60%

* A qualifying checking relationship is required to open this account.
**2008 Christmas Club Accounts mature on 10/03/2008.

Effective July 02, 2008

Equity Option

Max LTV**

Rate

APR*

Payment

5 Years Fixed/10 Years Variable Home Equity

85%

6.00% Fixed for the first 5 Years then Prime Minus .250% Adjusted Monthly

6.00%

Interest Only for the first 5/10 years then 1.5% of the outstanding balance.

Interest Only/Variable Home Equity

80%

Prime Minus .500% Adjusted Monthly

4.50%

Interest Only for the first 5/10 years then 1.5% of the outstanding balance.

*APR = ANNUAL PERCENTAGE RATE. Maximum APR is 18%. Effective 05/01/08 New York Prime Rate is 5.00%. 
**LTV is Loan to Value - what you can borrow against the assessed value of your property.

Click here to apply online using our Mortgage Whiz.

Effective July 02, 2008

Real Estate

MaxTerm

Rate Change Frequency

Rate

APR*

Max LTV**

Special Terms

Second Mortgage

120 mths

Fixed

6.6250%

6.704%

$11.42

80%

See Below #1, 3

Second Mortgage

180 mths

Fixed

6.875%

6.933%

$8.92

80%

See Below #1, 3

Land Loan

24 mths

Fixed

7.250%

7.401%

$5.96****

65%

See Below #1, 3

Land Loan

120 mths

Fixed

8.990%

9.047%

$12.66

65%

See Below #1, 3

Non Real Estate

MaxTerm

Rate Change Frequency

Rate

APR*

Max LTV**

Special Terms

New Car (1-2 Yrs Old)

     under $20,000

60 mths

Fixed

6.000%

6.093%

$19.33

100%

See Below #2, 3

     over $20,000

72 mths

Fixed

7.000%

7.080%

$17.05

100%

See Below #2, 3

Other Loans

     Secured

48 mths

Fixed

9.25%

9.265%

$25.00

80%

See Below #2, 3

     Unsecured

48 mths

Fixed

16.00%

16.028%

$28.34

n/a

See Below #2

* APR = ANNUAL PERCENTAGE RATE. Maximum APR is 18%. Effective 05/01/08 New York Prime Rate is 5.00%
** LTV = LOAN TO VALUE. Combined LTV for Second Mortgage not to exceed 100% (includes first mortgage)
***Payment based on maximum term                                                                                                                              ****Interest Only Product
#1 Processing fee assessed $150.00
#2 Processing fee assessed $40.00
#3 LTV Based on Purchase Price or Collateral Value, whichever is less

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