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Rates

Personal Checking - Updated May 16, 2012
ProductType of CompoundingMinimum Balance to OpenMinimum Balance to Earn APYAnnual Percentage Yield (APY)
Free Checking with Interest Monthly $10 $1,000 - $1,999 0.05%
$2,000 or more 0.10%
Personal Money
Market Checking		 Monthly $2,500 $10 - $2,499 0.10%
$2,500 - $9,999 0.10%
$10,000 - $24,999 0.15%
$25,000 - $49,999 0.20%
$50,000 - $99,999 0.25%
$100,000 or more 0.30%
Fees may reduce earnings. Rates are variable and may change after account opening.

 

Savings Rates - Updated May 16, 2012
ProductType of CompoundingMinimum Balance to OpenMinimum Balance to Earn APYAnnual Percentage Yield (APY)
Passbook Savings Monthly $10 $10 0.25%
Statement Savings Monthly $10 $10 0.25%
Holiday Club Monthly $5 $10 0.25%
Fees may reduce earnings. Rates are variable and may change after account opening.

 

CD Rates - Updated May 16, 2012
ProductType of CompoundingMinimum Balance to Open and Earn APYAnnual Percentage Yield (APY)
91 Day CD Monthly $2,500 0.30%
6 Month CD Monthly $2,500 0.30%
1 Year CD Daily $1,000 0.45%
2 Year CD Daily $1,000 0.90%
3 Year CD Daily $1,000 1.16%
A penalty may be imposed for early withdrawal.

 

IRA Rates - Updated May 16, 2012
ProductType of CompoundingMinimum Balance to Open and Earn APYAnnual Percentage Yield (APY)
1 Year IRA Daily $500 0.45%
2 Year IRA Daily $500 0.90%
3 Year IRA Daily $500 1.16%
A penalty may be imposed for early withdrawal.


For current rates on all of our Residential Mortgage Products, please use our convenient Locate a Lending Manager tool to find the member of our Mortgage Lending Team that services your area.
 

Mortgage Rates - Updated May 16, 2012

Product

Rate

Points

Annual
Percentage
Rate (APR)

Monthly Payment
Per $1,000

Home Mortgages Call 888.828.1690 for details
Construction/Perm

 

Home Equity Rates - Updated May 16, 2012
ProductTermAnnual
Percentage
Rate (APR)		Monthly Payment
Per $1000
Home Equity Line 20 Years   4.50%*  
Home Equity Loan 5 years 5.75% $19.21
10 years 6.00% $11.10
15 years 6.125% $8.51
20 years 6.75% $7.60
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 4/30/12 is 3.25%. 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. A one time Insurance Tracking Fee of $95 will be imposed on Home Equity Loans and Lines greater than $250,000. Consult tax advisor regarding deductibility of interest. Other rates, terms and programs available. Maximum lines and loans of $300,000. Payments do not include amounts for tax and insurance premiums, if applicable, and the actual payment may be greater.

 

Installment Loan Rates - Updated May 16, 2012
ProductTermAnnual
Percentage
Rate (APR)		Monthly Payment
Per $1000
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%  
Rates and terms subject to change without notice. Installment loans are restricted to MA residents. 
Commercial Checking Rates - Updated May 16, 2012
ProductType of CompoundingMinimum Balance to OpenMinimum Balance to Earn APYAnnual Percentage Yield (APY)
Commercial Money
Market Checking		 Monthly $2,500 $2,500 - $9,999 0.10%
$10,000 - $24,999 0.15%
$25,000 - $49,999 0.20%
$50,000 - $99,999 0.25%
$100,000 or more 0.30%
Fees may reduce earnings. Rates are variable and may change after account opening. 

 

 

Commercial Savings Rates - Updated May 16, 2012
ProductType of CompoundingMinimum Balance to OpenMinimum Balance to Earn APYAnnual Percentage Yield (APY)
Statement Savings Monthly $10 $10 0.25%
Fees may reduce earnings. Rates are variable and may change after account opening.

 

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Featured Rates

Featured Deposit Rates

Personal Statement Savings
0.25% APY*
3 Year Certificate of Deposit
1.16% APY**

Featured Loan Rate

Home Mortgages
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