The Pittsfield Cooperative Bank

Deposit Rates
Loan Rates

Deposit Rates

Rates Effective: January 19, 2012

NOW Checking & Health Savings Account
Account Type	Minimum Balance To Open	Interest Rate	*APY
Now Checking	$100.00
Balance $10.00 - $2,499.99		.00%	.00%
Balance $2,500.00 or greater		.01%	.01%
Health Savings	$100.00
Balance $10.00 - $2,499.99		.02%	.02%
Balance $2,500.00 or greater		.05%	.05%
The minimum balance to obtain the Annual Percentage Yield on Savings and Now Accounts is $10.00 except for Tiered Health Savings Accounts that require the minimum stated tier balance be maintained to obtain the associated Annual Percentage Yield.
Rates on Savings & Now Accounts may change after the account is opened.
Fees may reduce earnings.
Deposit Rates may vary for non residents of Massachusetts.
*Annual Percentage Yield

Savings & Money Market
Account Type	Minimum Balance To Open	Interest Rate	*APY
Passbook Savings	$10.00	.10%	.10%
Statement Savings	$10.00	.10%	.10%
Children's Savings	$5.00	.10%	.10%
Money Market Deposit Account	$100.00
Balance $10.00 - $2,499.99		.02%	.02%
Balance $2,500.00 - $24,999.99		.05%	.05%
Balance $25,000.00 - $99,999.99		.15%	.15%
Balance $100,000.00 - $249,999.99		.40%	.40%
Balance $250,000.00 or greater		.65%	.65%
The minimum balance to obtain the Annual Percentage Yield on Savings and Now Accounts is $10.00 except for Tiered Money Market Savings Accounts that require the minimum stated tier balance be maintained to obtain the associated Annual Percentage Yield and the Children's Savings Account which has no minimum balance to obtain the associated Annual Percentage Yield.
Rates on Savings & Now Accounts may change after the account is opened.
Fees may reduce earnings.
Deposit Rates may vary for non residents of Massachusetts.
*Annual Percentage Yield

Term Deposit Certificates
Term	Minimum Balance To Open	Interest Rate	*APY
3 months	$500.00	0.20%	0.20%
6 months	$500.00	0.35%	0.35%
9 months	$500.00	0.50%	0.50%
12 months	$500.00	0.59%	0.60%
15 months	$500.00	0.74%	0.75%
18 months	$500.00	0.74%	0.75%
24 months	$500.00	0.98%	1.00%
30 months	$500.00	1.03%	1.05%
36 months	$500.00	1.23%	1.25%
48 months	$500.00	1.47%	1.50%
60 months	$500.00	1.76%	1.80%
A Penalty may be imposed for early withdrawal of certificate of deposit funds.
Fees may reduce earnings.
Deposit Rates may vary for non residents of Massachusetts.
*Annual Percentage Yield

IRA - Term Deposit Certificates
Term	Minimum Balance To Open	Interest Rate	*APY
12 months	$500.00	0.69%	0.70%
24 months	$500.00	1.08%	1.10%
36 months	$500.00	1.32%	1.35%
48 months	$500.00	1.57%	1.60%
60 months	$500.00	1.86%	1.90%
A Penalty may be imposed for early withdrawal of certificate of deposit funds.
Fees may reduce earnings.
Deposit Rates may vary for non residents of Massachusetts.
*Annual Percentage Yield

Loan Rates

Rates Effective: January 24, 2012

Auto Loans *Up to 100% financing for qualified borrower(s)*
Year of Vehicle	Max Term	APR**	Payments Per $1,000
New 2012 / 2011***	60 months	4.250%	$18.53
New 2012 / 2011***	48 months	4.000%	$22.58
Used 2011 / 2010	60 months	5.250%	$18.99
Used 2011 / 2010	48 months	5.000%	$23.03
Used 2009	60 months	6.250%	$19.45
Used 2009	48 months	6.000%	$23.49
Used 2008	48 months	6.500%	$23.71
Used 2008	36 months	6.250%	$30.54
Used 2007 & Older	48 months	8.000%	$24.41
Used 2007 & Older	36 months	7.500%	$31.11
Loans are only available to Bank depositors and auto insurance is required
*** No other discounts apply

Personal Loans
Type	Max Term	**APR	Payments Per $1,000
Unsecured	36 Months	14.250%	$34.30
Pass Book (up to 90% of Balance)	Customer	5.000%*	$29.98 for 36 months
Loans are only available to Bank depositors.
* Or 3.00% above the APY of the account securing the loan which ever is greater
**Annual Percentage Rate

Home Equity
Type	Rate*	APR	Term	Payment Per $1,000
Home Equity	3.250%	3.250%	15 years**	$2.71***
* Adjusts to the Wall Street Journal Prime Rate as published on the last business day of the month
** Revolves for the first ten years, then amortizes the remaining balance over the remaining five years
***Payment is based on one month's interest at the prevailing rate.
The Payment per $1,000 for Adjustable Rate Mortgages (ARM) is based on the loans initial rate of interest.
The Annual Percentage Rate (APR) on Adjustable Rate Mortgages (ARM) is subject to change.
Mortgage Loans are restricted to our specific geographic lending area.
Loans are only available to Bank depositors. The maximun interest rate on a Home Equity Loan is 18%

First Time Homebuyer
Type	Rate	APR	Term	Payment Per $1,000
Fixed	4.950%	4.950%	25 Years	$5.82
The APR on Fixed Rate Mortgage (FRM) Loans are based on a $100,000.00 mortgage.
Mortgage Loans are restricted to our specific geographic lending area.
Loans are only available to Bank depositors.

Secondary Home Rates
Type	Rate	APR	Loan to Value Ratio	Payment Per $1,000
15 Yr FRM	5.375%	5.375%	80%	$8.11
15 Yr FRM	5.250%	5.250%	70%	$8.04
The APR on Fixed Rate Mortgage (FRM) Loans are based on a $100,000.00 mortgage.
Mortgage Loans are restricted to our specific geographic lending area.
Loans are only available to Bank depositors.

Mortgages Owner Occupied, single residences (For loans not exceeding $417,000.00)

Loan Type Rate APR Max Rate Increase Lifetime Cap Margin Payment per $1,000

*15 FRM 4.500% 4.514% N/A N/A N/A $7.65

*10 FRM 4.375% 4.395% N/A N/A N/A $10.31

*20 FRM 5.000% 5.011% N/A N/A N/A $6.60

**25 FRM (B/W) 5.500% 5.492% N/A N/A N/A $3.07

**30 FRM (B/W) 5.500% 5.490% N/A N/A N/A $2.84

3 Yr ARM 3.750% 3.270% 2% 6% 2.75% $4.64

5 Yr ARM 4.250% 3.858% 2% 6% 2.75% $4.92

* Primary Residence only.

** Bi-Weekly Mortgage only with auto-pay required.

The APR on Fixed Rate Mortgage (FRM) Loans are based on a $100,000.00 mortgage.

The APR on Adjustable Rate Mortgage (ARM) Loans are based on a $100,000.00 mortgage for a 30 year term.

The Payment per $1,000 for Adjustable Rate Mortgages (ARM) is based on the loans initial rate of interest.

The Annual Percentage Rate (APR) on Adjustable Rate Mortgages (ARM) is subject to change.

Mortgage Loans are restricted to our specific geographic lending area.

Loans are only available to Bank depositors.

Second Mortgages Owner Occupied, single residence

Loan Type Rate APR Max Rate Increase Lifetime Cap Margin Payment per $1,000

5 Yrs or Less - Fixed 6.375% 6.375% N/A N/A N/A $19.51

12 Yrs - Fixed 6.625% 6.625% N/A N/A N/A $10.09

Property Insurance is required for Home Equity, Mortgage, First Time Homebuyer, and Second Mortgage loans.

Mortgage Loans are restricted to our specific geographic lending area.

Loans are only available to Bank depositors.