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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 |
0.602% |
0.600% |
| 6 Month (182 Day) Term Certificate |
1.251% |
1.243% |
| 9 Month (273 Day) Term Certificate** |
1.410%
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1.400% |
| 1 Year Term Certificate |
1.258% |
1.250%
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| 15 Month Term Certfificate** |
1.755% |
1.740%
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| 1 1/2 Year Term Certificate |
1.374% |
1.365% |
| 2 Year Term Certificate |
1.770% |
1.755% |
| 2 1/2 Year Term Certificate |
1.500% |
1.490%
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| 3 Year Term Certificate |
1.998% |
1.980% |
| 4 Year Term Certificate |
2.002% |
1.982% |
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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 |
0.200% |
0.200% |
| $2,500.01 - $10,000.00 |
0.501% |
0.500% |
| $10,000.01 - $25,000.00 |
0.552% |
0.550% |
| $25,000.01 - $50,000.00 |
0.552% |
0.550% |
| $50,000.01 - $100,000.00 |
0.753% |
0.750% |
| $100,000.01 - $999,999.99 |
0.904% |
0.900% |
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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 |
0.100% |
0.100% |
| $1,000.01 - $5,000.00 |
0.446% |
0.445%
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| $5,000.01 - $10,000.00 |
0.446%
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0.445% |
| $10,000.01 - $100,000.00 |
0.501% |
0.500% |
| $100,000.01 - $999,999,999.99 |
0.750% |
0.747% |
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Annual Percentage Yield (APY) |
Interest Rate |
Minimum Balance Required to Obtain APY |
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| Statement Savings |
0.250% |
0.250% |
$25.00 |
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| Now Checking |
0.050% |
0.050% |
$25.00 |
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| Christmas Club |
0.491% |
0.490% |
$25.00 |
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Annual Percentage Yield (APY) |
Interest Rate |
Minimum Balance Required to Optain APY |
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| Priority Checking |
0.050% |
0.050% |
$1,000.00 |
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| Priority Plus Checking |
0.050% |
0.050% |
$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
4.000%
4.250% |
N/A
4.152%
4.250% |
5% |
N/A
$7.40
$7.52
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Maximum Loan Amount $417,000 |
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15-Year Fixed Biweekly
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2%
1%
0% |
N/A
4.000%
4.250% |
N/A
4.152%
4.250% |
5% |
N/A
$3.70
$3.76
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Maximum Loan Amount $417,000 |
| 20-Year Fixed |
2%
1%
0% |
N/A
4.375%
4.625% |
N/A
4.496%
4.625% |
5% |
N/A
$6.26
$6.39
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Maximum Loan Amount $417,000 |
| 30-Year Fixed |
2%
1%
0% |
N/A
N/A
4.625%
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N/A
N/A
4.625% |
5% |
N/A
N/A
$5.14 |
Maximum Loan Amount $417,000 |
| 30-Year Fixed Biweekly |
2%
1%
0% |
N/A
N/A
4.625%
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N/A
N/A
4.625% |
5% |
N/A
N/A
$2.57 |
Maximum Loan Amount $417,000
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| 40-Year Fixed |
2%
1%
0% |
5.250%
5.500%
5.750% |
5.403%
5.579%
5.750%
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5% |
$4.99
$5.16
$5.33 |
Maximum Loan Amount $417,000 |
| 15-Year Fixed Jumbo |
2%
1%
0% |
N/A
5.000%
5.250% |
N/A
5.157%
5.250% |
5% |
N/A
$7.91
$8.04 |
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| 20-Year Fixed Jumbo |
2%
1%
0% |
N/A
5.375%
5.625% |
N/A
5.501%
5.625% |
5% |
N/A
$6.81
$6.95
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| 30-Year Fixed Jumbo |
2%
1%
0% |
N/A
5.375%
5.625% |
N/A
5.468%
5.625% |
5% |
N/A
$5.60
$5.76
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*Down payment less than 20% requires private mortgage insurance (PMI). Cash-out Refinance requires 30% down payment. |
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Adjustable Mortgage Rates |
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| Product |
Points |
Rate*** |
Annual Percentage Rate |
Minimum Down Payment* |
Payment per $1000 Borrowed |
Caps** |
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| 1-Year ARM |
0% |
4.500% |
3.349% |
5% |
$5.07 |
2%-6% |
| 5-1 ARM |
0% |
4.875% |
3.833% |
5% |
$5.29 |
2%-6% |
5-1ARM
(1st Time Homebuyer) |
0% |
4.625% |
3.742% |
5% |
$5.14 |
2%-6% |
1-Year ARM
Land Only, 15-Year Maximum |
1% |
6.250% |
4.691% |
5% |
$8.57 |
2%-6% |
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*Down payment less than 20% requires private mortgage insurance (PMI). Cash-out Refinance requires 30% down payment.
**Caps are the maximum interest rate changes for each adjustment and for the life of the loan.
***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%.
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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 |
2010-2011 |
$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 |
2006-2010
N/A |
$23.71
$31.80 |
80% Financing
80% Financing
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| New Motorcycle |
6.49% |
48 |
$50,000 |
2010-2011 |
$23.71 |
80% Financing |
| Used Motorcycle |
7.49% |
36 |
$30,000 |
2008-2010 |
$31.10 |
80% Financing |
| Personal Secured |
9.00% |
60 |
$30,000 |
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$20.76 |
80% Financing |
| Personal Unsecured |
16.50% |
36 |
$5,000 |
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$35.40 |
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| Deposit Secured |
Deposit Rate
+3% |
Open |
None |
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Money Market and IRA Accounts Ineligible |
| Time Secured/Unsecured |
16.50% |
3 |
$5,000 |
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$342.54 |
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 |
4.625% |
4.625% |
3% |
Call for Program Details |
| USDA - Guaranteed Rural Housing |
0 |
4.625% |
4.625% |
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
No Closing Costs for 1st Time Equity Customers
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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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No Closing Costs for 1st Time Equity Customers |
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*Rate is based on Wall Street Journal Prime Rate + 0.50%
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Equal Housing
Lender | Member SIF