Current Rates
Deposit and Investment Rates
Effective Date: March 1, 2010
Deposits accepted from Massachusetts residents only.
Product | Interest
Rate |
--APY *-- | Min. Deposit
to Open | Min. Balance
to Earn APY |
|
NOW Checking |
.05% |
.05% |
$10 |
$1 |
|
Basic Checking |
n/a |
n/a |
$10 |
n/a |
|
Regular Savings |
.15% |
.15% |
$10 |
$1 |
|
Money Market Plus |
.01% |
.01% |
$2,500 |
$1 |
|
0.15% |
0.15% | - |
$2,500 |
|
0.35% |
0.35% | - |
$10,000 |
|
Personal Choice Club |
.15% |
.15% |
$5 |
$5 |
|
91 day CD |
.75% |
.75% |
$500 |
$500 |
|
6 Month CD |
1.00% |
1.00% |
$500 |
$500 |
|
12 Month CD |
1.35% |
1.36% |
$500 |
$500 |
|
18 Month CD |
1.40% |
1.41% |
$500 |
$500 |
|
24 Month CD |
1.85% |
1.87% |
$500 |
$500 |
|
30 Month CD |
1.85% |
1.87% |
$500 |
$500 |
|
3 Year CD |
2.20% |
2.22% |
$500 |
$500 |
|
5 Year CD |
2.35% |
2.38% |
$500 |
$500 |
IRA 18 Month Var.
New Accounts
(for March 2010)
|
0.69% |
0.69% |
$500 |
$500 |
* APY means Annual Percentage Yield. Assumes reinvestment of interest earned at the stated rate. Rates subject to change without notice. Fees may reduce earnings. Substantial penalty for early withdrawal.
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Mortgage, Equity and Other Lending Rates
Effective February 16, 2010
Fixed Rate Mortgage Rates | Adjustable Rate Mortgage Rates
Home Equity Rates | Specials
Fixed Rate Mortgages Single Family/Owner Occupied
|
Product
|
--Rate--
|
---APR---
|
Points
|
Term
|
Monthy
Payment
per 1,000
|
-30 Year -
|
6.000%
|
6.010%
|
0
|
360 mos. |
$6.00
|
-30 Year -
|
5.750%
|
5.946%
|
2
|
360 mos. |
$5.84
|
-15 Year -
|
5.875%
|
5.891%
|
0
|
180 mos. |
$8.38
|
-15 Year -
|
5.625%
|
5.955%
|
2
|
180 mos. |
$8.24
|
-10 Year -
|
5.625%
|
5.648%
|
0
|
120 mos. |
$10.92
|
-10 Year -
|
5.375%
|
5.842%
|
2
|
120 mos. |
$10.80
|
Assumptions:
$465,700.00 Loan Amount, 80% LTV, Rate and Term Refinance
Payments do not include taxes and insurance premiums.
When added the actual payment obligation will be greater.
Rates subject to change without notice.
Other terms and point-options available to maximum 95% LTV.
For more information, please call a
Mortgage Loan Representative
508-653-2340
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Adjustable Rate 1 to 2 Family/Owner Occupied
(Servicing Retained)
|
---Product---
|
Rate
|
APR
|
Points |
Term
|
Index |
Margin |
Cap
Year/
Life
|
Monthy
Payment
per $1,000
|
1 Year ARM
Cost of Funds
80% Loan to Value
|
5.125%
|
4.680%
|
0
|
360 mos.
|
2.05
|
2.50
|
1.50/10.50
|
$5.45
year 1
|
3/1 Year ARM
Cost of Funds
80% Loan to Value
|
5.375%
|
4.816%
|
0
|
360 mos.
|
2.05
|
2.50
|
1.50/10.50
|
$5.60
years 1-3
|
5/1 Year ARM
Cost of Funds
80% Loan to Value
|
5.500%
|
4.966%
|
0
|
360 mos.
|
2.05
|
2.50
|
1.50/10.50
|
$5.68
years 1-5
|
Assumptions:
$465,700.00 Loan Amount, 80% LTV, Rate and Term Refinance
Payments do not include taxes and insurance premiums.
When added the actual payment obligation will be greater.
Rates subject to change without notice.
Other terms, points and index-options available to maximum 95% LTV.
For more information please call a
Mortgage Loan Representative
508-653-2340
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Home Equity Lines of Credit Rates
(Servicing Retained)
|
---Product---
|
--Rate--
|
---APR---
|
Points |
Prime Index |
Margin |
Maximum
Rate Cap
|
| Evergreen |
4.75%
|
4.75%
|
0
|
3.25%
|
1.50%
|
15.75%
|
Monthly Payments = 1.5% of Outstanding Principal Balance
|
Product
|
--Rate--
|
---APR---
|
Points |
Prime Index |
Margin |
Maximum
Rate Cap |
| Prime Equity |
3.25%
|
3.25%
|
0
|
3.25%
|
0.00%
|
15.75%
|
Monthly Payments Years 1 to 10 = Interest Only
Monthly Payments Years 11 to 20 = Principal & Interest
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Fixed Rate/Fixed Term Home Equity Loan
(Servicing Retained)
| ---Product/Term--- |
--Rate--
|
---APR---
|
Term
|
Monthly Payment
per $1000
|
| 1 to 5 Years |
5.875%
|
5.883%
|
60 mos.
|
$19.28
|
| 6 to 10 Years |
6.000%
|
6.004%
|
120 mos.
|
$11.11
|
| 11 to 15 Years |
6.250%
|
6.253%
|
180 mos.
|
$8.58
|
Maximum Loan Amount is $200,000.
For more information please call a
Mortgage Loan Representative
508-653-2340
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Consumer Loan Rates
(Automobile Loans, Personal Loans, Passbook Loans)
Please call one of our Loan Specialists at 508-653-2340.
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