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| Product | Type of Compounding | Minimum Balance to Open | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | ||
|---|---|---|---|---|---|---|
| Free Checking with Interest | Monthly | $10 | $1,000 - $1,999 | 0.25% | ||
| $2,000 or more | 0.76% | |||||
| Personal Money Market Checking |
Monthly | $2,500 | $10 - $2,499 | 0.90% | ||
| $2,500 - $9,999 | 0.90% | |||||
| $10,000 - $24,999 | 1.11% | |||||
| $25,000 - $49,999 | 1.31% | |||||
| $50,000 - $99,999 | 1.51% | |||||
| $100,000 or more | 1.66% | |||||
| Fees may reduce earnings. Rates are variable and may change after account opening. | ||||||
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| Product | Type of Compounding | Minimum Balance to Open | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | ||
|---|---|---|---|---|---|---|
| Passbook Savings* | Monthly | $10 | $10 | 1.01% | ||
| Statement Savings* | Monthly | $10 | $10 | 1.01% | ||
| Holiday Club* | Monthly | $5 | $10 | 1.01% | ||
| Fees may reduce earnings. *Rates are variable and may change after account opening. | ||||||
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| Product | Type of Compounding | Minimum Balance to Open and Earn APY | Annual Percentage Yield (APY) | ||
|---|---|---|---|---|---|
| 91 Day CD | Monthly | $2,500 | 2.75% | ||
| 6 Month CD | Monthly | $2,500 | 2.75% | ||
| 1 Year CD | Daily | $1,000 | 3.25% | ||
| 2 Year CD | Daily | $1,000 | 3.51% | ||
| 3 Year CD | Daily | $1,000 | 3.67% | ||
| A penalty may be imposed for early withdrawal. | |||||
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| Product | Type of Compounding | Minimum Balance to Open and Earn APY | Annual Percentage Yield (APY) | ||
|---|---|---|---|---|---|
| 1 Year IRA | Daily | $500 | 3.25% | ||
| 2 Year IRA | Daily | $500 | 3.51% | ||
| 3 Year IRA | Daily | $500 | 3.67% | ||
| A penalty may be imposed for early withdrawal. | |||||
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| See our rates or apply online now! | ||||||
| Product | Rate | Points | Annual Percentage Rate (APR) |
Monthly Payment Per $1000 |
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| Construction/Perm 30 Year Fixed |
6.875% | 2 | 7.170% | $6.64 | ||
| 7.125% | 1 | 7.322% | $6.80 | |||
| Construction/Perm -
Jumbo* 30 Year Fixed |
8.250% | 1 | 8.422% | $7.57 | ||
| Annual Percentage Rates assume 20% down payment. *Jumbo Loans are above $417,000. Single Closing Construction to Permanent loans have interest only payments during the construction period (12 months) followed by principal and interest payments for the remaining term of the loan. |
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| See our rates or apply online now! | |||||
| Product | Term | Annual Percentage Rate (APR) |
Monthly Payment Per $1000 |
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|---|---|---|---|---|---|
| Home Equity Line | 20 Years | 4.50%* | |||
| Home Equity Loan | 1 - 5 years | 5.50% | $19.20-$85.82 | ||
| 6 - 10 years | 5.75% | $10.98-$16.45 | |||
| 11 - 15 years | 6.00% | $8.44-$10.37 | |||
| 20 years | 6.50% | $7.45 | |||
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Rates and terms subject to change without notice. *Annual Percentage Rate (APR) will be as low as Prime minus 0.50% with automatic deduction
from a Bank of Canton account and Prime without automatic deduction. APR will never be lower than 4.50%. Prime Rate as of 5/01/08 is 5.00%. APR is variable monthly based on the Prime Rate published in the
Wall Street Journal on the last business day of the month, effective the first day of the following month.
Maximum APR is 18%. 1-4 family owner-occupied or second homes in MA. Maximum loan-to-value of 75%.
Property insurance required. Flood insurance may be required. $350 early termination fee for closing line within 3 years.
Offer valid for new equity customers only. Consult tax advisor regarding deductibility of interest.
Other rates, terms and programs available. Maximum lines and loans of $300,000. |
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| Product | Term | Annual Percentage Rate (APR) |
Monthly Payment Per $1000 |
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|---|---|---|---|---|---|
| Personal Loans | 48 months | 12.00% | $26.33 | ||
| Auto - New | 24 months | 5.75% | $44.20 | ||
| 36 months | 5.75% | $30.30 | |||
| 48 months | 5.75% | $23.37 | |||
| 60 months | 6.00% | $19.33 | |||
| Auto - Used | 48 months | 6.50% | $23.71 | ||
| Advance Account (Overdraft Protection) |
revolving | 16.00% | |||
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Installment loans are restricted to MA residents. |
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