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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 |
1.258% |
1.250% |
| 6 Month (182 Day) Term Certificate |
2.819% |
2.780% |
| 9 Month (273 Day) Term Certificate** |
3.303% |
3.250% |
| 15 Month Term Certificate*** |
3.748% |
3.680% |
| 1 Year Term Certificate |
2.245% |
2.220%
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| 1 1/2 Year Term Certificate |
2.511% |
2.480% |
| 2 Year Term Certificate |
2.747% |
2.710% |
| 2 1/2 Year Term Certificate |
2.485% |
2.455%
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| 3 Year Term Certificate |
3.004% |
2.960% |
| 4 Year Term Certificate |
3.252% |
3.200% |
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*Minimum deposit requirement $500; Early Withdrawal Penalties Apply
**Minimum deposit requirement $5,000; Early Withdrawal Penalties Apply.
***Minimum deposit requirement $5,000 NEW MONEY; 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 |
0.501% |
0.500% |
| $2,500.01 - $10,000.00 |
0.753% |
0.750% |
| $10,000.01 - $25,000.00 |
1.005% |
1.000% |
| $25,000.01 - $50,000.00 |
1.258% |
1.250% |
| $50,000.01 - $100,000.00 |
1.511% |
1.500% |
| $100,000.01 - $999,999.99 |
2.275% |
2.250% |
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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 |
0.250% |
0.250% |
| $1,000.01 - $5,000.00 |
0.501% |
0.500% |
| $5,000.01 - $10,000.00 |
0.75%
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0.75% |
| $10,000.01 - $100,000.00 |
1.005% |
1.000% |
| $100,000.01 - $999,999,999.99 |
1.260% |
1.250% |
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Annual Percentage Yield (APY) |
Interest Rate |
Minimum Balance Required to Obtain APY |
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| Statement Savings |
0.500% |
0.500% |
$25.00 |
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| Now Checking |
0.100% |
0.100% |
$25.00 |
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| Christmas Club |
1.005% |
1.000% |
$25.00 |
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Annual Percentage Yield (APY) |
Interest Rate |
Minimum Balance Required to Optain APY |
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| Priority Checking |
0.100% |
0.100% |
$1,000.00 |
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| Priority Plus Checking |
0.100% |
0.100% |
$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% |
5.500%
5.750%
6.000% |
5.817%
5.911%
6.000% |
5% |
$8.17
$8.30
$8.44 |
Maximum Loan Amount $417,000 |
| 20-Year Fixed |
2%
1%
0% |
5.750%
6.000%
6.250% |
6.003%
6.129%
6.250% |
5% |
$7.02
$7.16
$7.31 |
Maximum Loan Amount $417,000 |
| 30-Year Fixed |
2%
1%
0% |
5.875%
6.125%
6.375% |
6.066%
6.223%
6.375% |
5% |
$5.92
$6.09
$6.24 |
Maximum Loan Amount $417,000 |
| 40-Year Fixed |
2%
1%
0% |
6.250%
6.500%
6.750% |
6.416%
6.586%
6.750%
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5% |
$5.68
$5.85
$6.03 |
Maximum Loan Amount $417,000 |
| 15-Year Fixed Jumbo |
2%
1%
0% |
5.750%
6.000%
6.250% |
6.069%
6.162%
6.250% |
5% |
$8.30
$8.44
$8.57 |
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| 20-Year Fixed Jumbo |
2%
1%
0% |
6.000%
6.250%
6.500% |
6.256%
6.380%
6.500% |
5% |
$7.16
$7.31
$7.46 |
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| 30-Year Fixed Jumbo |
2%
1%
0% |
6.125%
6.375%
6.625% |
6.319%
6.474%
6.625% |
5% |
$6.08
$6.24
$6.40
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| Interest Only Mortgage |
0% |
6.750% |
6.750% |
20% |
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Interest Only 5-Years,
Then 30-Years, P & I |
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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% |
5.250% |
4.794% |
5% |
$5.52 |
2%-6% |
| 5-1 ARM |
0% |
5.750% |
5.129% |
5% |
$5.84 |
2%-6% |
5-1ARM
(1st Time Homebuyer) |
0% |
5.500% |
5.034% |
5% |
$5.68 |
2%-6% |
1-Year ARM
Land Only, 15-Year Maximum |
1% |
7.000% |
5.450% |
5% |
$8.99 |
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 |
2007-2008 |
$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 |
2003-2007
2001-2002 |
$23.71
$31.80 |
80% Financing |
| New Motorcycle |
6.49% |
48 |
$50,000 |
2007-2008 |
$23.71 |
80% Financing |
| Used Motorcycle |
7.49% |
36 |
$30,000 |
2003-2007 |
$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 |
5.375% |
5.375% |
3% |
Call for Program Details |
| USDA - Guaranteed Rural Housing |
0 |
6.125% |
6.125% |
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 |
5.000%* |
18.00%
Maximum |
240 |
$10,000/
$200,000 |
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10-Year Draw Period
No Closing Costs |
| Fixed Rate Equity Loan |
6.000%
6.750%
7.125% |
6.000%
6.750%
7.125% |
60
120
180 |
$10,000/
$200,000 |
$19.33
$11.48 $9.06
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No Closing Costs |
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*Rate is based on Wall Street Journal Prime Rate + 0%
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Equal Housing
Lender | Member SIF