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Deposit Rates Fixed Mortgage Rates Adjustable Mortgage Rates
           
Consumer Loan Rates Affordable Mortgage Programs Equity Mortgage Loans
       
 
     
     
   
     
  Deposit Rates  
  Effective as of 5/16/13 and are subject to change  
     
     
 
 
Certificates of Deposit*
Rates are subject to change.
 
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
Rates are subject to change.
 
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
Rates are subject to change.
 
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.  
 
     
     
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  Fixed Mortgage Rates  
  Effective as of 5/13/2013 and are subject to chang  
     
     
 
 
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.

 
     
     
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  Adjustable Mortgage Rates  
  Effective as of 5/13/2013 and are subject to chang  
     
     
 
 
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.
 
   
 
     
     
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  Consumer Loan Rates  
  Effective as of 5/13/2013 and are subject to chang  
     
     
 
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.

 
 
 
     
     
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  Affordable Mortgage Programs  
  Effective as of 5/13/2013 and are subject to chang  
     
     
 
     
 
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
 
   
 
     
     
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  Equity Mortgage Loans  
  Effective as of 5/13/2013 and are subject to chang  
     
     
 
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.

 
 
     
     
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