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Rates

Deposit Rates


  • Rates Effective: January 28, 2010  
NOW Checking & Health Savings Account
Account Type Minimum Balance To Open Interest Rate *APY
Now Checking & Health Savings $100.00 .05% .05%
Super Now Checking & Health Savings $2,500.00 .05% .05%
The minimum balance to obtain the Annual Percentage Yield on Savings and Now Accounts is $10.00. 
Rates on Savings & Now Accounts may change after the account is opened. 
Fees may reduce earnings. 
Deposit Rates may vary for non residents of Massachusetts. 
*Annual Percentage Yield 


Savings & Money Market
Account Type Minimum Balance To Open Interest Rate *APY
Savings Passbook $100.00 .49% .50%
Statement Savings $100.00 .49% .50%
Children's Savings $5.00 .98% 1.00%
Basic Savings $10.00 .49% .50%
Money Market Deposit Account $2,500.00
   Balance $10.00 - $2,499.99 .25% .25%
   Balance $2,500.00 - $24,999.99 .50% .50%
   Balance $25,000.00 - $99,999.99 .60% .60%
   Balance $100,000.00 - $249,999.99 .85% .85%
   Balance $250,000.00 or greater 1.045% 1.05%
The minimum balance to obtain the Annual Percentage Yield on Savings and Now Accounts is $10.00 except for Tiered Money Market Savings Accounts that require the minimum stated tier balance be maintained to obtain the associated Annual Percentage Yield. 
Rates on Savings & Now Accounts may change after the account is opened. 
Fees may reduce earnings. 
Deposit Rates may vary for non residents of Massachusetts. 
*Annual Percentage Yield 


Term Deposit Certificates
Term Minimum Balance To Open & Earn APY Interest Rate *APY
3 months $500.00 0.60% 0.60%
6 months $500.00 0.85% 0.85%
9 months $500.00 0.95% 0.95%
12 months $500.00 1.03% 1.05%
15 months $500.00 1.37% 1.40%
18 months $500.00 1.32% 1.35%
24 months $500.00 1.66% 1.70%
30 months $500.00 1.81% 1.85%
36 months $500.00 2.24% 2.30%
48 months $500.00 2.68% 2.75%
60 months $500.00 3.15% 3.25%
A Penalty may be imposed for early withdrawal of certificate of deposit funds. 
Fees may reduce earnings. 
Deposit Rates may vary for non residents of Massachusetts. 
*Annual Percentage Yield 


IRA - Term Deposit Certificates
Term Minimum Balance To Open & Earn APY Interest Rate *APY
12 months $500.00 1.03% 1.05%
24 months $500.00 1.66% 1.70%
36 months $500.00 2.24% 2.30%
48 months $500.00 2.68% 2.75%
60 months $500.00 3.15% 3.25%
A Penalty may be imposed for early withdrawal of certificate of deposit funds. 
Fees may reduce earnings. 
Deposit Rates may vary for non residents of Massachusetts. 
*Annual Percentage Yield 
 

Loan Rates


  • Rates Effective: February 2, 2010
Auto Loans   Note: Vehicle rates can be reduced by as much as 0.50% with GenGold Checking and autopay from checking.
Year of Vehicle Max Term APR* Payments Per $1,000  
2010/2009 60 months 6.500% $19.56  
2010/2009 48 months 6.375% $23.65  
2008 60 months 6.750% $19.68  
2008 48 months 6.500% $23.71  
2007 48 months 7.000% $23.95  
2007 42 months 6.750% $26.79  
2006 48 months 7.500% $24.18  
2006 42 months 7.250% $27.03  
2006 36 months 7.125% $30.94  
2005 42 months 8.000% $27.38  
2005 36 months 7.750% $31.23  
2004 36 months 8.500% $31.57  
2004 30 months 8.250% $37.01  
2003 & Older 30 months 9.000% $37.36  
2003 & Older 24 months 8.750% $45.58  
Loans are only available to Bank depositers.
*Based on 20% down payment and auto insurance is required.

Personal Loans
Type Max Term **APR Payments Per $1,000  
Unsecured 36 Months 14.250% $34.30  
Pass Book (up to 90% of Balance) Customer 5.000%* $29.98 for 36 months  
Loans are only available to Bank depositers.
* Or 3.00% above the APY of the account securing the loan which ever is greater
**Annual Percentage Rate

Home Equity
Type Rate* APR Term Payment Per $1,000
Home Equity 3.250% 3.250% 15 years** $12.71***
* Adjusts to the Wall Street Journal Prime Rate as published on the last business day of the month
** Revolves for the first ten years, then amortizes the remaining balance over the remaining five years
***Payment is based on one month's interest at the prevailing rate plus 1% of the outstanding balance
The Payment per $1,000 for Adjustbale Rate Mortgages (ARM) is based on the loans initial rate of interest.
The Annual Percentage Rate (APR) on Adjustable Rate Mortgages (ARM) is subject to change.
Mortgage Loans are restricted to our specific geographic lending area.
Loans are only available to Bank depositors.

First Time Homebuyer
Type Rate APR Term Payment Per $1,000
Fixed 4.950% 4.950% 22 Years $6.23
The APR on Fixed Rate Mortgage (FRM) Loans are based on a $100,000.00 mortgage.
Mortgage Loans are restricted to our specific geographic lending area.
Loans are only available to Bank depositors.

Secondary Home Rates
Type Rate APR Loan to Value Ratio Payment Per $1,000
15 Yr FRM 5.375% 5.375% 80% $8.11
15 Yr FRM 5.250% 5.250% 70% $8.04
The APR on Fixed Rate Mortgage (FRM) Loans are based on a $100,000.00 mortgage.
Mortgage Loans are restricted to our specific geographic lending area.
Loans are only available to Bank depositors.
 

Mortgages Owner Occupied, single residences (For loans not exceeding $417,000.00)
Loan Type  Rate  APR  Max Rate Increase  Lifetime Cap  Margin  Payment per $1,000 
*15 FRM  4.950%  4.950%  N/A  N/A  N/A  $7.89 
*10 FRM  4.950%  4.950%  N/A  N/A  N/A  $10.59 
*18 FRM  5.375%  5.375%  N/A  N/A  N/A  $7.24 
*20 FRM  5.500%  5.500%  N/A  N/A  N/A  $6.88 
**25 FRM (B/W)  5.625%  5.625%  N/A  N/A  N/A  $3.11 
**30 FRM (B/W)  5.625%  5.625%  N/A  N/A  N/A  $2.88 
3 Yr ARM  4.500%  4.211%  2%  6%  2.75%  $5.07 
5 Yr ARM  4.875%  5.032%  2%  6%  2.75%  $5.30 
* Primary Residence only.
** Bi-Weekly Mortgage only with auto-pay required.
The APR on Fixed Rate Mortgage (FRM) Loans are based on a $100,000.00 mortgage.
The APR on Adjustable Rate Mortgage (ARM) Loans are based on a $100,000.00 mortgage for a 30 year term.
The Payment per $1,000 for Adjustable Rate Mortgages (ARM) is based on the loans initial rate of interest.
The Annual Percentage Rate (APR) on Adjustable Rate Mortgages (ARM) is subject to change.
Mortgage Loans are restricted to our specific geographic lending area.
Loans are only available to Bank depositors.

Second Mortgages Owner Occupied, single residence
Loan Type  Rate  APR  Max Rate Increase  Lifetime Cap  Margin  Payment per $1,000 
5 Yrs or Less - Fixed  6.375%  6.375%  N/A  N/A  N/A  $19.51 
12 Yrs - Fixed  6.625%  6.625%  N/A  N/A  N/A  $10.09 
Property Insurance is required for Home Equity, Mortgage, First Time Homebuyer, and Second Mortgage loans.
Mortgage Loans are restricted to our specific geographic lending area.
Loans are only available to Bank depositors.
 

 
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