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Loan Rates

For information and current interest rates on 2-4 family owner occupied homes, home equity lines, home equity loans and auto loans, please call the loan department at 413-584-4474.

All rates and products are available to persons who work or live in our Marketing Area. Rates and products are subject to change without notification. Rates are effective as of April 16, 2014.

FIXED MORTGAGE RATES - Conforming Loans

Mortgage Product Rate APR Payment Per $1,000
30 Year with 2 Points 3.875% 4.09% $4.70
30 Year with 1 Point 4.000% 4.14% $4.77
30 Year with NO Points 4.125% 4.18% $4.85
20 Year with 2 Points 3.625% 3.93% $5.86
20 Year with 1 Point 3.750% 3.94% $5.93
20 Year with NO Points 3.875% 3.95% $5.99
15 Year with 2 Point 3.000% 3.38% $6.91
15 Year with 1 Points 3.125% 3.36% $6.97
15 Year with NO Points 3.250% 3.34% $7.03
10 Year with NO Points 3.125% 3.20% $9.71

Fixed Mortgage Rates - 5% Minimum Cash Down payment Required/Single Family Owner Occupied.

There is no application fee. PMI (Private Mortgage Insurance) is required if the downpayment is less than 20%. The Annual Percentage Rate (APR) is the actual cost of credit to the borrower, including interest and certain other charges, expressed as a yearly rate and calculated over the life of the loan. The APR stated assumes a 20% downpayment. Payments do not include real estate taxes or insurance. All rates and products are subject to change without notice.



VARIABLE MORTGAGE RATES

Discounted Mortgage Product Rate APR Margin CAPS Payment Per $1,000*
5 to 1 Year ARM with NO Points 3.000% 3.51% 3.50 2/6 $4.22

*Based on the fully indexed rate, the payments per $1,000 are $4.51 for 61-360 months.

Variable Mortgage Rates - Payment and interest rate may increase during the life of an Adjustable Mortgage Loan.

There is no application fee. PMI (Private Mortgage Insurance) is required if the downpayment is less than 20%. The Annual Percentage Rate (APR) is the actual cost of credit to the borrower, including interest and certain other charges, expressed as a yearly rate and calculated over the life of the loan. The APR stated assumes a 20% downpayment. Payments do not include real estate taxes or insurance. All rates and products are subject to change without notice.