Spencer Savings Bank - Fixed & Adjustable Home Equity Loan Rates

Rates as of 05/21/2012

Loan Type	APR/Rate	Monthly Payment Per $1000 Borrowed	Apply Now	Download Application
5 Year Fixed*	3.375%	$18.14
7 Year Fixed	3.500%	$13.44
10 Year Fixed	3.625%	$9.95
15 Year Fixed	3.875%	$7.33
20 Year Fixed*	4.250%	$6.19
20 Year Fixed First Lien	4.125%	$6.13	N/A
30 Year Fixed	4.875%	$5.29
30 Year Fixed First Lien	4.625%	$5.14	N/A
Adjustable 5/5/20	Please call 1-800-363-8115 x8345 for ARM rates.

APR=Annual Percentage Rate. Application Fees as follows: Loans of $150,000 or less which are previous Spencer applicants within the past 12 months or a Spencer refinance: $75, Loans above $150,000 up to $249,999: $200 (1 family), $400 (2-4 family); Loans of $250,000 or more: $275*(1 family), $400 (2-4 family); *however, if the loan is secured by a property in excess of 2,800 square feet a fee of $400 will be charged. Commitment Fee of $150 will be charged on all loans. Property Insurance required. Flood Insurance may be required. Payments shown do not include applicable taxes and insurance. Rates are subject to change without notice.