Rates

Rates Effective 05/17/23

Conforming Fixed

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Term	Rate	APR	Minimum Down Payment	Estimated Payment Per $1,000
30-Year Fixed	6.000%	6.122%	5%	$6.00
20-Year Fixed	6.000%	6.163%	5%	$7.16
15-Year Fixed	6.000%	6.204%	5%	$8.44
10-Year Fixed	6.000%	6.289%	5%	$11.10

*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.

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Mass Housing

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Term	Rate	Points	APR	Minimum Down Payment	Estimated Payment Per $1,000
30-Year Term Fixed Rate	7.000%	0	7.147%	3%	$6.65

*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	Rate	APR	Min/Max Amounts	Estimated Payment Per $1,000
LTV 80% <	1-7 Years	6.000%	$6.185	$5,000 min	$14.61
LTV 80% <	8-10 Years	6.000%	$6.134	$5,000 min	$11.10
LTV 80% <	11-15 Years	6.000%	$6..95	$5,000 min	$8.44
LTV 80% <	16-20 Years	6.000%	$6.076	$5,000 min	$7.16

* Loans subject to approval

Home Equity Line of Credit

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Term	APR	Min/Max Amounts
10–20 Years ¹	8.250%	$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	Points	APR	Minimum Down Payment	Term	Estimated Payment Per $1,000
90% No MI	6.000%	0	6.122%	10%	30 Years	$6.00
MHP One	6.300%	0	6.427%	3%	30 Years	$6.19

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

Disclosure Information

Rates Effective 3/1/23

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 02/8/23

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
Champion Savings ²
$100.00 or more but less than $3,000.00	0.050%	0.05%	n/a
$3,000.00 or more	0.150%	0.15%	n/a
Hero Savings ²
$100.00 or more but less than $3,000.00	0.050%	0.05%	n/a
$3,000.00 or more	0.150%	0.15%	n/a
Elite Money Market Savings ³
$1.00 or more but less than $10,000.00	0.050%	0.05%	n/a
$10,000.00 or more but less than $25,000.00	0.100%	0.10%	n/a
$25,000.00 or more but less than $50,000.00	0.150%	.15%	n/a
$50,000.00 or more but less than $75,000.00	0.200%	.20%	n/a
$75,000.00 or more	0.250%	.25%	n/a

*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
$0.01 or more but less than $10,000	0.050%	0.05%	n/a
$10,000 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	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
$0.01 or more but less than $10,000	0.050%	0.05%	n/a
$10,000 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	0.300%	0.30%	n/a
Elite Money Market Business
$2,500 or more	0.250%	0.25%	n/a

*Rates are subject to approval

¹ Annual Percentage Yield

Conforming Fixed

Mass Housing

Solar Loans

Fixed Home Equity Loans

Home Equity Line of Credit

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