Rates Overview

 

 

Rates

These are the rates as of September 25, 2014

Conforming Fixed Rate Products

TERM RATE POINTS *APR

Conforming Fixed Rate Loan Products

30 Year

4.375%

4.250%

4.125%

0.00

1.00

2.00

4.38%

4.34%

4.30%

20 Year

4.125%

3.875%

3.750%

0.00

1.00

2.00

4.13%

3.99%

3.98%

15 Year

3.625%

3.375%

3.125%

0.00

1.00

2.00

3.63%

3.53%

3.42%

*Ask about our super conforming fixed rate product designated in high cost areas*

LOAN LIMITS FOR SINGLE FAMILY HOMES AS HIGH AS $625,500


2014 Conforming Loan Limits

1-unit home: $417,000

2-unit home: $533,850

3-unit home: $645,300

4-unit home: $801,950


Payments shown do not include taxes and insurance. Your payment may be greater.

Home Equity Line of Credit

10 Year Draw

10 Year Repayment

$10,000-$600,000

WSJ PRIME +1

Home Equity Line of Credit 

Floor 4.25% APR

Cap 18.00% APR

$50.00 Annual Fee

The Home Equity Line is a variable rate account.


Rates are subject to change at any time without notice and are subject to credit approval.


APR = Annual Percentage Rate. APRs assume a LTV of 80%.

Equal Housing Opportunity

CD Rates

*The Annual Percentage Yield (APY) is accurate as of July 22, 2014.

Term Without Checking With Checking*
6 Months .05% APY .10% APY
12 Months .05% APY .15% APY
15 Months .05% APY .90% APY
18 Months   .05% APY .90% APY 
24 Months .05% APY .20% APY
36 Months .05% APY .40% APY
48 Months .05% APY .55% APY
60 Months .05% APY .75% APY

*A checking account with direct deposit is required for these rates
**Rates are based on annual percentage yields (APY)

Minimum daily balance to earn APY is $1000.00

Penalty may apply for early withdrawals

Money Market Rates

Tier Without Checking With Checking*
$2,500-$9,999.99 .05% APY** .10% APY
$10,000-$24,999.99 .05% APY .10% APY
$25,000-$99,999.99 .05% APY .15% APY
$100,000-$249,999.99 .05% APY .20% APY
$250,000-$1,999,999.99 .05% APY .20% APY
$2,000,000+ .05% APY .20% APY

*A checking account with direct deposit is required for these rates
**Rates are based on annual percentage yields (APY)

Minimum daily balance to earn APY is $2,500.00

Fees may reduce earnings

Checking and Savings Rates

Savings Platinum Consumer Checking **Business Checking / Iolta
.05% $10 - $30,000 .30% APY .015%
.05% > $30,000 .10% APY .15% APY

**Sweep Available - Ask us about our Business Sweep Account


Business Money Market rates are also available. To find out more please call us at 617-243-4400 or visit us at either of our branches at 718 Beacon St. Newton Centre, MA 02459,

right next to the Post Office or

161 Linden St. Wellelsey, MA 02482 (In Linden Square)

Rates are subject to change at any time without notice after the account is opened

Member FDIC

checkbook

Online Concierge