 |
 |
|
 |
|
|
|
| |
|
|
|
|
| |
|
|
|
|
| |
|
|
|
|
| |
|
|
| |
|
|
| |
|
|
|
|
|
| |
|
|
| |
Deposit Rates |
|
| |
|
|
| |
|
|
| |
|
|
| |
| |
Certificates of Deposit*
|
| |
| Term |
Annual Percentage Yield (APY) |
Interest Rate |
| |
| 3 Month (91 Day) Term Certificate |
0.25% |
0.25% |
| 6 Month (182 Day) Term Certificate |
0.35% |
0.35% |
| 9 Month (273 Day) Term Certificate** |
0.60%
|
0.60% |
| 1 Year Term Certificate |
0.65% |
0.65%
|
| 15 Month Term Certfificate** |
0.90% |
0.90%
|
| 1 1/2 Year Term Certificate |
0.65% |
0.65% |
| 2 Year Term Certificate |
0.80% |
0.80% |
| 2 1/2 Year Term Certificate |
0.79% |
0.79%
|
| 3 Year Term Certificate |
0.99% |
0.98% |
| 4 Year Term Certificate |
1.01% |
1.00% |
|
|
| |
|
| |
*Minimum deposit requirement $500; Early Withdrawal Penalties Apply
**Minimum deposit requirement $5,000; Early Withdrawal Penalties Apply.
|
|
| |
|
|
| |
Money Market Accounts
|
| |
| Balance |
Annual Percentage Yield (APY)† |
Interest Rate |
| |
| $25.00 - $2,500.00 |
0.10% |
0.10% |
| $2,500.01 - $10,000.00 |
0.18% |
0.18% |
| $10,000.01 - $25,000.00 |
0.23% |
0.23% |
| $25,000.01 - $50,000.00 |
0.25% |
0.25%
|
| $50,000.01 - $100,000.00 |
0.28% |
0.28% |
| $100,000.01 - $999,999.99 |
0.30% |
0.30% |
|
|
| |
|
|
| |
Passbook Savings Accounts
|
| |
| Balance |
Annual Percentage Yield (APY)† |
Interest Rate |
| |
| $25.00 - $1,000.00 |
0.10% |
0.10% |
| $1,000.01 - $5,000.00 |
0.13% |
0.13%
|
| $5,000.01 - $10,000.00 |
0.15%
|
0.15% |
| $10,000.01 - $100,000.00 |
0.18% |
0.18% |
| $100,000.01 - $999,999,999.99 |
0.20% |
0.20% |
| |
|
|
|
|
| |
|
|
| |
| |
Annual Percentage Yield (APY)† |
Interest Rate |
Minimum Balance Required to Obtain APY |
| |
|
|
|
| Statement Savings |
0.25% |
0.25% |
$25.00 |
| |
|
|
|
| Now Checking |
0.05% |
0.05% |
$25.00 |
| |
|
|
|
| Christmas Club |
0.15% |
0.15% |
$2.00 |
|
|
| |
|
|
| |
| |
Annual Percentage Yield (APY)† |
Interest Rate |
Minimum Balance Required to Optain APY |
| |
|
|
|
| Priority Checking |
0.05% |
0.05% |
$1,000.00 |
| |
|
|
|
| Priority Plus Checking |
0.05% |
0.05% |
$1,000.00
|
|
|
| |
|
|
| |
† Maintenance or activity fees could reduce earnings. |
|
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
|
| |
|
|
| |
|
|
|
|
|
| |
|
|
| |
Fixed Mortgage Rates |
|
| |
|
|
| |
|
|
| |
|
|
| |
| |
| Product |
Points |
Rate |
Annual Percentage
Rate |
Minimum Down
Payment* |
Payment per $1000 Borrowed** |
Comment |
| |
| 15-Year Fixed |
2%
1%
0% |
NA
2.625%
2.750%
|
NA
2.899%
2.879%
|
5% |
NA
$6.73
$6.79
|
Maximum Loan Amount $417,000 |
|
15-Year Fixed Biweekly
|
1% |
2.750% |
3.025% |
5% |
$3.40
|
Maximum Loan Amount $417,000 |
| 20-Year Fixed |
2%
1%
0% |
3.250%3.375%
3.500%
|
3.581%
3.592%
3.603% |
5% |
$5.67
$5.74
$5.81
|
Maximum Loan Amount $417,000 |
| 30-Year Fixed |
2%
1%
0% |
3.375%
3.500%
3.625%
|
3.612%
3.655%
3.699%
|
5% |
$4.42
$4.50
$4.57 |
Maximum Loan Amount $417,000 |
| 30-Year Fixed Biweekly |
1% |
3.625%
|
3.781% |
5% |
$2.29
|
Maximum Loan Amount $417,000
|
| 15-Year Fixed Jumbo |
2%
1% |
3.625%3.750% |
4.058%
4.033% |
5% |
$7.22
$7.27
|
|
| 20-Year Fixed Jumbo |
2%
1% |
4.375%4.500% |
4.721%4.726% |
5% |
$6.26
$6.33
|
|
| 30-Year Fixed Jumbo |
2%
1% |
4.500%4.625% |
4.753%4.791% |
5% |
$5.07
$5.14
|
|
| |
|
|
|
|
|
|
|
|
| |
|
|
| |
|
| |
*Down payment less than 20% requires private mortgage insurance (PMI). Cash-out Refinance requires 30% down payment.
**Payments do not include amounts for real estate taxes and insurance premiums.
|
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
|
| |
|
|
| |
|
|
|
|
|
| |
|
|
| |
Adjustable Mortgage Rates |
|
| |
|
|
| |
|
|
| |
|
|
| |
| |
| Product |
Points |
Rate1 |
Annual Percentage Rate |
Minimum Down Payment2 |
Payment per $1000 Borrowed3 |
Caps4 |
| |
| 1-Year ARM |
0% |
3.375% |
3.216% |
5% |
12 payments of $4.42, then 348 payments of $4.37 |
2%-6% |
| 5-1 ARM |
0% |
3.625% |
3.372% |
5% |
60 payments of $4.57,
then 300 payments of $4.81
|
2%-6% |
5-1ARM
(1st Time Homebuyer) |
0% |
3.500% |
3.328% |
5% |
60 payments of $4.50,
then 300 payments of $4.81
|
2%-6% |
1-Year ARM
Land Only, 15-Year Maximum |
1% |
6.375% |
4.955% |
20% |
12 payments of $8.64, then 168 payments of $7.97 |
2%-6% |
|
|
| |
1 Rates are determined by adding a margin to an index based on the weekly average yield on U.S. Treasury securities adjusted to a constant maturity and rounded to the nearest 1/8%. Rates may increase or decrease after consummation.
2 Down payment less than 20% requires private mortgage insurance (PMI). Cash-out Refinance requires 30% down payment.
3 Payments do not include amounts for real estate taxes and insurance premiums.
4 Caps are the maximum interest rate changes for each adjustment and for the life of the loan.
|
|
| |
|
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
|
| |
|
|
| |
|
|
|
|
|
| |
|
|
| |
Consumer Loan Rates |
|
| |
|
|
| |
|
|
| |
|
|
| |
| Product |
Annual Percentage Rate |
Maximum Term (Months) |
Maximum Amount |
Model
Year |
Payment per $1000 Borrowed |
Comment |
| |
| New Automobile |
5.99%
5.49%
6.25%
5.75% |
60
60
72
72 |
$50,000 |
2012-2013 |
$19.33
$19.10
$16.69
$16.46 |
100% Financing
80% Financing
100% Financing
80% Financing |
| Used Automobile |
6.49%
9.00% |
48
36 |
$30,000 |
2008-2012 |
$23.71
$31.80 |
80% Financing
80% Financing
|
| New Motorcycle |
6.49% |
48 |
$50,000 |
2012-2013 |
$23.71 |
80% Financing |
| Used Motorcycle |
7.49% |
36 |
$30,000 |
2010-2012 |
$31.10 |
80% Financing |
| Personal Secured |
9.00% |
60 |
$30,000 |
|
$20.76 |
80% Financing |
| Deposit Secured |
Deposit Rate
+3% |
Open |
None |
|
|
Money Market and IRA Accounts Ineligible |
| Time Secured |
16.50% |
3 |
$10,000 |
|
$342.54 |
80% Financing One (1) Renewal Allowed Without Principal Reduction With Payment of All Interest is Required.
|
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
|
| |
|
|
| |
|
|
|
|
|
| |
|
|
| |
Affordable Mortgage Programs |
|
| |
|
|
| |
|
|
| |
|
|
| |
| |
|
|
| |
| Product |
Points |
Rate |
Annual Percentage Rate |
Minimum Down Payment |
Comment |
| |
| Massachusetts Housing Partnership (MHP) SoftSecond |
0 |
3.625% |
3.699% |
3% |
Call for Program Details |
| USDA - Guaranteed Rural Housing |
0 |
3.625% |
3.699% |
0% |
Call for Program Details |
|
|
| |
|
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
|
| |
|
|
| |
|
|
|
|
|
| |
|
|
| |
Equity Mortgage Loans |
|
| |
|
|
| |
|
|
| |
|
|
| |
| Product |
Rate |
Annual Percentage
Rate |
Maximum Term
(Months) |
Minimum/
Maximum
Amount |
Payment per $1000 Borrowed |
Comment |
| |
| Home Equity Line of Credit* |
3.750%** |
18.00%
Maximum |
240 |
$10,000/
$200,000 |
|
10-Year Draw Period***
|
| Fixed Rate Equity Loan* |
5.000%
5.500%
5.750% |
5.000%
5.500%
5.750% |
60
120
180 |
$10,000/
$200,000 |
$18.87$10.85
$8.30
|
|
|
|
|
*Homeowners Insurance is required.
**Rate is based on Wall Street Journal Prime Rate + 0.50%. Call for Program details.
***An annual recurring fee of $25.00 will be required. This fee is waived for the 1st year.
|
|
|
|
| |
|
|
| |
|
|
| |
|
|
| |
|
|
|
| |
|
|
| |
|
| |
|
|
|
|
| |
|
|
| |
|
|
Equal Housing
Lender | Member SIF