Loan Type	Max. Term	APR*  (As Low As)
Passbook	5 Years	5.50%
Personal	5 Years	9.74%
New Car	3 Years	1.99%
New Car	5 Years	1.99%
New Car	7 Years	3.99%
Used Car	3 Years	1.99%
Used Car	5 Years	1.99%
Used Car	6 Years	3.49%
Home Improvement	7 Years	7.75%
Vacation	1 Year	11.00%
Visa
Introductory Offer	6 Months	3.25% (variable = Prime rate + 0%)
Regular Rate	N/A	9.25% (variable = Prime rate + 6%)

REAL ESTATE LOAN RATES**

Fixed Home Equity	APR* (As Low As)
5 Years	3.125%
10 Years	3.625%
15 Years	3.875%
20 Years	4.125%
Home Equity Line of Credit
Introductory Offer = 1 year	2.99%
Actual Rate	5.00%

Mortgage Loans	Rate	APR	Points
30 Year Fixed Rate	4.125%	4.18%	0.000%
15 Year Fixed Rate	3.375%	3.56%	0.000%
5/1 ARM	3.000%	3.15%	0.000%

*APR-Annual Percentage Rate:  The above loan rates are subject to credit approval.  Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms.  **Real estate loan rates are subject to change daily.  Please call 516-620-8100 for current rates.