Rates

Rates Effective 5/14/21

Conforming Fixed

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Term	Rate	APR	Minimum Down Payment	Estimated Payment Per $1,000
30-Year Fixed	3.375%	3.465%	5%	$4.42
20-Year Fixed	3.250%	3.376%	5%	$5.67
15-Year Fixed	3.125%	3.287%	5%	$6.97
10-Year Fixed	3.000%	3.234%	5%	$9.66

*APR = Annual Percentage Rate. All APRs based on $180,000 loan amount. The rates are for owner occupied single family properties on purchase or no cash out refinancing transactions, with up to 60% Loan to Value LTV and are based on minimum borrower FICO credit score of 740. The loan amount cannot exceed Fannie Mae conforming loan limits. The rates are not reflective of price adjustments based on LTV higher than 60%, FICO Credit Score less than 740 or cash out transactions. Fees may increase based on credit score, down payment, purpose of loan, subordinate financing and property type. Your actual rate, payment and costs could be higher. Taxes and insurance not included in estimated payment. Get an official Loan estimate before choosing a loan.

Jumbo Fixed Rate Mortgage

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Term	Rate	Points	APR	Minimum Down Payment	Estimated Payment Per $1,000
30-Year Fixed	3.375%	0	3.465%	n/a	$4.42
15-Year Fixed	3.125%	0	3.287%	n/a	$6.97

*APR = Annual Percentage Rate. Minimum loan amount is $510,400. Property insurance required. Rate is subject to credit approval.

For a fixed Construction Loan contact your local Mortgage Lender. Pricing on the 30 year fixed C to P is .25% above 30 year PAR pricing. Payment does not include real estate taxes or mortgage insurance. Payment may be higher.

Mass Housing

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Term	Rate	APR	Minimum Down Payment	Estimated Payment Per $1,000
30-Year Term Fixed Rate	3.500%	3.608%	3%	$4.49
30-Year Term Fixed Rate (Operation Welcome Home)	3.375%	3.482%	3%	$4.42
30-Year Term Fixed Rate (Buy Cities)	3.875%	3.970%	3%	$4.70

*Payment does not include real estate taxes or mortgage insurance. Payment may be higher. Rates are subject to approval

Call our Mortgage Lenders for other MassHousing Specials. Annual Percentage Rate (APR) based on $180,000 loan amount with 20% down payment.

Solar Loans

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Term	Rate	Estimated Payment Per $1,000	APR
5-Year Fixed	4.750%	$18.76	4.750%
10-Year Fixed	5.000%	$10.61	5.000%
15-Year Fixed	5.750%	$8.30	5.750%

*APR = Annual Percentage Rate. Rates subject to change.

Fixed Home Equity Loans

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Loan-to-Value Ratio	Term	APR	Min/Max Amounts	Estimated Payment Per $1,000
LTV 80% <	1-7 Years	5.125%	$5,000 min	$14.19
LTV 80% <	8-10 Years	5.375%	$5,000 min	$10.79
LTV 80% <	11-15 Years	5.625%	$5,000 min	$8.24

* Loans subject to approval

Home Equity Line of Credit

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Term	APR	Min/Max Amounts
10–20 Years ¹	3.250%	$5,000 min

¹ This is a variable rate loan with thirty year term. Access to line of credit for first ten years (draw period) followed by 20 year repayment period. The index is Prime Rate published on the last business day of the Wall Street Journal. Maximum loan amount cannot exceed 80% of the home's current appraised value less any existing mortgage liens. $25.00 annual maintenance fee. Maximum Annual Percentage Rate (APR) is 18% and minimum rate will be equal to the initial rate on the loan. Other terms and conditions may apply. Rates subject to credit approval. Property insurance required. Offer subject to change without notice. Click here for more Disclosure Information.

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Type	Rate	APR	Minimum Down Payment	Term	Estimated Payment Per $1,000
90% No MI	4.125%	4.222%	10%	30 Years	$4.85
MHP One	2.640%	2.724%	3%	30 Years	$4.02
Hero/Champion/ First@Work Mortgage	3.375%	3.465%	5%	30 Years	$4.42

*APR = Annual Percentage Rate. Rates are subject to approval

Disclosure Information

Rates Effective 03/01/2021

Vehicles

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Years for New & Used Vehicles/Motorcycles ^1,3	Term	APR ² As Low As	Min/Max Amounts	Estimated Payment Per $1,000
2019 - 2021	63 months	4.14%	Disclosure	$17.72
2019 - 2021	66 months	4.74%	Disclosure	$17.28
2019 - 2021	72 months	4.74%	Disclosure	$16.02
2018	63 months	4.49%	Disclosure	$17.89
2018	66 months	4.89%	Disclosure	$17.35
2018	72 months	4.89%	Disclosure	$16.09
2017	63 months	4.79%	Disclosure	$18.03
2017	66 months	5.04%	Disclosure	$17.42
2017	72 months	5.19%	Disclosure	$16.24
2016	60 months	4.79%	Disclosure	$18.82
2015	60 months	5.09%	Disclosure	$18.97
2013 - 2014	48 months	5.65%	Disclosure	$23.39
New Recreational Vehicles 2020/2021 ^1,3	60 months	7.24%	Disclosure	$19.98

Personal Unsecured Loans ¹

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Term	APR As Low As	Min/Max Amount	Estimated Payment Per $1,000
12 Months	4.99%	$500 min - $5,000 max	$85.59
24 Months	8.49%	$500 min - $5,000 max	$45.44
36 Months	9.49%	$500 min - $5,000 max	$32.02
48 Months	10.49%	$500 min - $5,000 max	$25.60

Secured Loans

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Type	Term	APR As Low As	Min/Max Amounts
Savings Secured Loans (Installment) ¹	36 Months Max	Savings Rate Plus 3% APR	Disclosure
Certificate Secured Loans (Installment) ¹	Remainder of Term up to 36 Months	Certificate Rate Plus 3% APR	Disclosure

*Loans are subject to approval

¹ Rates may vary based on your credit history, your method of payment and market changes. Click on "Disclosure" next to loan type for more information.
² APR = Annual Percentage Rate
³ Rate not available on existing First Citizens' vehicle loans

Rates Effective 8/10/20

Term Certificates & IRAs

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Term	Dividend Rate	APY ¹	Minimum Balance to Earn APY ¹
3 Months	0.150 %	0.15%	$500
6 Months	0.200 %	0.20%	$500
18 months	0.250 %	0.25%	$500
1 Year	0.450 %	0.45%	$500
2 year	0.500%	0.50%	$500
3 Years	0.750 %	0.75%	$500
4 Years	0.750 %	0.75%	$500
5 Year	0.750%	0.75%	$500

Special Term Certificates & IRAs

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Term	Dividend Rate	APY ¹	Minimum Balance to Earn APY ¹
^N/A2	N/A	N/A	N/A
^N/A2	N/A	N/A	N/A

*Rates are subject to approval

¹ Annual Percentage Yield.
^2,Annual Percentage Yield (APY) is available as of 03/24/20. Minimum deposit of $500 is required to open account. Penalties may be imposed for early withdrawal. Premium rates not eligible for this special. This is a limited time offer and may be withdrawn at any time. Rates subject to change at any time.

If you are 59 1/2 or older, you may change the term of your certificate once in a 12-month period (IRAs Only). Fees could reduce earnings on account. There are no annual maintenance fees on IRA accounts. Share insurance is provided in excess of NCUA federal insurance by MSIC, a Massachusetts-chartered corporation not affiliated with the NCUA or the federal government.

Account Disclosures

Rates Effective 04/21/20

Personal Checking

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Account Name	Dividend Rate	APY ¹	Minimum Balance To Earn APY
Champion Checking ²	0.050%	0.05%	$500
Health Savings Account ³	0.050%	0.05%	$0
Hero Checking ²	0.050%	0.05%	$500

*Rates are subject to approval

¹ Annual percentage yield. Fees could reduce earnings on account.
² May earn $10 each month by conducting, at minimum, 15 point-of-sale debit card purchases (this excludes transactions conducted at an ATM) and maintain a $1,000.00 daily balance in a qualifying savings account in order to receive your monthly Bonus Dividend.
³ Must have High Deductible Health Plan with Employer. See Account Disclosure Information .

Personal Savings

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Account Name	Dividend Rate	APY ¹	Minimum Balance To Earn APY
Regular Savings	0.050%	0.05%	$100
Youth Savings	0.150%	0.15%	$100
Club Accounts	0.050%	0.05%	$5.00
Champion Savings ²	0.050%	0.05%	>= $100
Champion Savings ²	0.050%	0.05%	>= $1,000
Champion Savings ²	0.150%	0.15%	$3,000 +
Hero Savings ²	0.050%	0.05%	>= $100
Hero Savings ²	0.050%	0.05%	>= $1,000
Hero Savings ²	0.150%	0.15%	$3,000 +
Elite Money Market Savings ³	0.050%	0.05%	< $2,500
Elite Money Market Savings ³	0.050%	0.05%	>= $2,500
Elite Money Market Savings ³	0.100%	0.10%	>= $10,000
Elite Money Market Savings ³	0.150%	0.15%	>= $25,000
Elite Money Market Savings ³	0.200%	0.20%	>= $50,000
Elite Money Market Savings ³	0.250%	0.25%	>= $75,000

*Rates are subject to approval

¹ Annual percentage yield. Fees could reduce earnings on account.
² Must have Hero/Champion Checking to be eligible for Hero/Champion Savings. Account Disclosure Information .

Business Checking

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Account Name	Dividend Rate	APY ¹	Minimum Balance To Earn APY ¹
Free Business Checking	0.050%	0.05%	$5,000
Business Checking Plus	0.050%	0.05%	$1,000
High Yield Business Checking
Balances less than $1,000	0.050%	0.05%	n/a
$1,000 or more but less than $2,500	0.050%	0.05%	n/a
$2,500 or more but less than $10,000	0.050%	0.05%	n/a
$10,000 or more but less than $25,000	0.100%	0.10%	n/a
$25,000 or more but less than $50,000	0.100%	0.10%	n/a
$50,000 or more but less than $75,000	0.200%	0.20%	n/a
$75,000 or more but less than $100,000	0.300%	0.30%	n/a
Balances more than $100,000	0.300%	0.30%	n/a

Business Savings

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Account Name	Dividend Rate	APY ¹	Minimum Balance To Earn APY ¹
Business Savings	0.100%	0.10%	$100
Business Savings Plus
Balances less than $1,000	0.050%	0.05%	n/a
$1,000 or more but less than $2,500	0.050%	0.05%	n/a
$2,500 or more but less than $10,000	0.050%	0.05%	n/a
$10,000 or more but less than $25,000	0.100%	0.10%	n/a
$25,000 or more but less than $50,000	0.100%	0.10%	n/a
$50,000 or more but less than $75,000	0.200%	0.20%	n/a
$75,000 or more but less than $100,000	0.300%	0.30%	n/a
Balances more than $100,000	0.300%	0.30%	n/a
Elite Money Market Business
$2,500 or more but less than $1,000,000	0.250%	0.25%	n/a

*Rates are subject to approval

¹ Annual Percentage Yield

Conforming Fixed

Jumbo Fixed Rate Mortgage

Mass Housing

Solar Loans

Fixed Home Equity Loans

Home Equity Line of Credit

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