Holy Rosary Credit Union of New Hampshire




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Home Equity Loans

Home Equity Line of Credit & Home Equity Fixed rate

Below is a layout comparing the features of both types of loans for your convenience.

Features	Home Equity Line of Credit	Home Equity Fixed rate
Credit line you can draw on for up to 10 years
One sum paid out all at once
Fixed rate
Variable rate
Borrow up to 90% of the equity in your home
Credit life and disability available
Interest may be tax deductible
Which to choose?
One time large purchase such as a swimming pool or new appliances.
Long term expenses such as college tuition or an extensive remodeling project
You don't want to make impulse purchases
If you see that 55 Tbird you want to be able to spring

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account, with no
minimum balance.

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Rates Effective: 2/04/12

HOME EQUITY LOAN RATES

Type	Terms	*APR (as low as)**	Minimum Finance Amount
Home Equity-Fixed Rate (not a line of credit)	5 Years	3.99%	$5,000
	10 Years	5.99%	$5,000
	15 Years	6.49%	$5,000
Example: A $20,000 loan at 7.00% APR. 180 monthly payments of $179.76. Total finance charge of $12,354.07 bringing the total payment to $32,354.07.
Type	Terms	*APR (as low as)**	Minimum Finance Amount
Home Equity Line of Credit; Adjusted Monthly	25- Year Amortization, 10 year draw	3.25% APR Rate based on Prime** then adjusted by credit score and loan to value	$20,000

*APR equals Annual Percentage Rate. All rates and conditions are subject to change without notice. Rates above reflect a 70% loan to value. Fixed HE and HELOC loans greater than 70% loan to value have certain restrictions, please contact a loan officer for further details. **Prime rate as published in the Wall Street Journal.

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Unlock the cash in your home with Holy Rosary Credit Union Home Equity line of credit. When your application is approved, you can borrow funds whenever you want without having to complete an application each time you need money.

Loan amounts from $20,000
Borrow up to 90% of the value of your home less any mortgage balances
Rates tied to Prime Rate
Interest may be tax-deductible (consult your tax advisor for details)
Credit life and disability insurance is available to qualified members
Minimum closing costs
Rates & terms are subject to credit approval

Tap into the borrowing power of your home with Holy Rosary's Fixed Rate Home Equity or Home Improvement loan. Borrow up to 90% of the value of your home (less any mortgage balances) at a low fixed rate with terms of 3, 5, 7, 10 and 15 years.

Loan amounts from $5,000
Borrow up to 90% of the value of your home less any mortgage balances
Fixed rate
Minimum closing costs
Interest may be Tax-Deductible (consult your tax advisor for details)
Credit life and disability insurance is available
Rates & terms are subject to credit approval

Apply for a loan anytime, 24 hours a day.
Just call Phone-A-Loan toll free at
(888) 270-6959 and talk to a real live person.



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