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Deposit Rates |
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Certificates of Deposit*
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| Term |
Annual Percentage Yield (APY) |
Interest Rate |
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| 3 Month (91 Day) Term Certificate |
0.30% |
0.30% |
| 6 Month (182 Day) Term Certificate |
0.49% |
0.49% |
| 9 Month (273 Day) Term Certificate** |
0.60%
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0.60% |
| 1 Year Term Certificate |
0.70% |
0.70%
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| 15 Month Term Certfificate** |
1.11% |
1.10%
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| 1 1/2 Year Term Certificate |
0.70% |
0.70% |
| 2 Year Term Certificate |
1.01% |
1.00% |
| 2 1/2 Year Term Certificate |
0.88% |
0.88%
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| 3 Year Term Certificate |
1.27% |
1.26% |
| 4 Year Term Certificate |
1.50% |
1.49% |
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*Minimum deposit requirement $500; Early Withdrawal Penalties Apply
**Minimum deposit requirement $5,000; Early Withdrawal Penalties Apply.
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Money Market Accounts
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| Balance |
Annual Percentage Yield (APY) |
Interest Rate |
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| $25.00 - $2,500.00 |
0.10% |
0.10% |
| $2,500.01 - $10,000.00 |
0.25% |
0.25% |
| $10,000.01 - $25,000.00 |
0.30% |
0.30% |
| $25,000.01 - $50,000.00 |
0.33% |
0.33%
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| $50,000.01 - $100,000.00 |
0.35% |
0.35% |
| $100,000.01 - $999,999.99 |
0.40% |
0.40% |
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Passbook Savings Accounts
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| Balance |
Annual Percentage Yield (APY) |
Interest Rate |
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| $25.00 - $1,000.00 |
0.10% |
0.10% |
| $1,000.01 - $5,000.00 |
0.15% |
0.15%
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| $5,000.01 - $10,000.00 |
0.20%
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0.20% |
| $10,000.01 - $100,000.00 |
0.25% |
0.25% |
| $100,000.01 - $999,999,999.99 |
0.30% |
0.30% |
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Annual Percentage Yield (APY) |
Interest Rate |
Minimum Balance Required to Obtain APY |
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| Statement Savings |
0.25% |
0.25% |
$25.00 |
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| Now Checking |
0.05% |
0.05% |
$25.00 |
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| Christmas Club |
0.25% |
0.25% |
$2.00 |
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Annual Percentage Yield (APY) |
Interest Rate |
Minimum Balance Required to Optain APY |
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| Priority Checking |
0.05% |
0.05% |
$1,000.00 |
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| Priority Plus Checking |
0.05% |
0.05% |
$1,000.00
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Fixed Mortgage Rates |
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| Product |
Points |
Rate |
Annual Percentage
Rate |
Minimum Down
Payment* |
Payment per $1000 Borrowed** |
Comment |
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| 15-Year Fixed |
2%
1%
0% |
N/A
3.000%
3.250% |
N/A
3.102%
3.353% |
5% |
N/A
$6.91
$7.03
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Maximum Loan Amount $417,000 |
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15-Year Fixed Biweekly
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1% |
3.250% |
3.500% |
5% |
$3.52
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Maximum Loan Amount $417,000 |
| 20-Year Fixed |
2%
1%
0% |
N/A
3.625%
3.875% |
N/A
3.821%
3.957% |
5% |
N/A
$5.87
$6.00
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Maximum Loan Amount $417,000 |
| 30-Year Fixed |
2%
1%
0% |
N/A
3.750%
4.000%
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N/A
3.891%
4.059%
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5% |
N/A
$4.63
$4.77 |
Maximum Loan Amount $417,000 |
| 30-Year Fixed Biweekly |
1% |
4.000%
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4.144% |
5% |
$2.39
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Maximum Loan Amount $417,000
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| 15-Year Fixed Jumbo |
2%
1% |
4.000%4.250% |
4.408%
4.507% |
5% |
$7.40
$7.52
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| 20-Year Fixed Jumbo |
2%
1% |
4.625%4.875% |
4.951%5.081% |
5% |
$6.39
$6.53
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| 30-Year Fixed Jumbo |
2%
1% |
4.750%5.000% |
4.990%5.152% |
5% |
$5.22
$5.37
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*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 |
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| Product |
Points |
Rate1 |
Annual Percentage Rate |
Minimum Down Payment2 |
Payment per $1000 Borrowed3 |
Caps4 |
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| 1-Year ARM |
0% |
4.250% |
3.268% |
5% |
12 payments of $4.92, then 348 payments of $4.30 |
2%-6% |
| 5-1 ARM |
0% |
4.375% |
3.626% |
5% |
60 payments of $4.99, then 300 payments of $4.37
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2%-6% |
5-1ARM
(1st Time Homebuyer) |
0% |
4.125% |
3.535% |
5% |
60 payments of $4.85, then 300 payments of $4.36 |
2%-6% |
1-Year ARM
Land Only, 15-Year Maximum |
1% |
6.375% |
4.924% |
20% |
12 payments of $8.64, then 168 payments of $7.64 |
2%-6% |
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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 |
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| Product |
Annual Percentage Rate |
Maximum Term (Months) |
Maximum Amount |
Model
Year |
Payment per $1000 Borrowed |
Comment |
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| New Automobile |
5.99%
5.49%
6.25%
5.75% |
60
60
72
72 |
$50,000 |
2011-2012 |
$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 |
2007-2011 |
$23.71
$31.80 |
80% Financing
80% Financing
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| New Motorcycle |
6.49% |
48 |
$50,000 |
2011-2012 |
$23.71 |
80% Financing |
| Used Motorcycle |
7.49% |
36 |
$30,000 |
2007-2011 |
$31.10 |
80% Financing |
| Personal Secured |
9.00% |
60 |
$30,000 |
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$20.76 |
80% Financing |
| Deposit Secured |
Deposit Rate
+3% |
Open |
None |
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Money Market and IRA Accounts Ineligible |
| Time Secured |
16.50% |
3 |
$10,000 |
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$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 |
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| Product |
Points |
Rate |
Annual Percentage Rate |
Minimum Down Payment |
Comment |
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| Massachusetts Housing Partnership Soft Second (MHP) |
0 |
4.000% |
4.059% |
3% |
Call for Program Details |
| USDA - Guaranteed Rural Housing |
0 |
4.000% |
4.059% |
0% |
Call for Program Details |
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Equity Mortgage Loans |
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| Product |
Rate |
Annual Percentage
Rate |
Maximum Term
(Months) |
Minimum/
Maximum
Amount |
Payment per $1000 Borrowed |
Comment |
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| Home Equity Line of Credit* |
3.750%** |
18.00%
Maximum |
240 |
$10,000/
$200,000 |
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10-Year Draw Period***
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| Fixed Rate Equity Loan* |
6.000%
6.500%
6.750% |
6.000%
6.500%
6.750% |
60
120
180 |
$10,000/
$200,000 |
$19.33
$11.35
$8.85
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*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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Equal Housing
Lender | Member SIF