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Loan Rates
All rates and products subject to change without notice.
Mortgage Rates
Fixed Mortgage Rates
Rates Effective: 7/20/2025
- 5% Minimum Down Payment Required for 1 Family Owner Occupied
- 15% Minimum Down Payment required on 2 Family Owner Occupied
- 25% Minimum Down Payment Required for 3‐4 Family Owner Occupied
- Purchase or Refinance
Maximum Loan Amount: 1 Family: $647,200 | 2 Family: $828,700 | 3 Family: $1,001,650 | 4 Family: $1,244,850
Jumbo Loans: For loan amounts greater than above, add 0.25% to the published rate
| Term | Months | Points | Rate | APR | Payment Per $1,000* |
|---|---|---|---|---|---|
| 30 | 360 | 2 | 5.000% | 5.264% | $5.37 |
| 30 | 360 | 1 | 5.125% | 5.298% | $5.44 |
| 30 | 360 | 0 | 5.250% | 5.334% | $5.52 |
| 30† | 360 | 0 | 5.000% | 5.264% | $5.37 |
| 20 | 240 | 2 | 4.750% | 5.105% | $6.46 |
| 20 | 240 | 1 | 4.875% | 5.109% | $6.53 |
| 20 | 240 | 0 | 5.000% | 5.106% | $6.60 |
| 15 | 180 | 2 | 4.250% | 4.685% | $7.52 |
| 15 | 180 | 1 | 4.375% | 4.655% | $7.59 |
| 15 | 180 | 0 | 4.500% | 4.630% | $7.65 |
| 10 | 120 | 0 | 4.250% | 4.433% | $10.24 |
Annual Percentage Rate (APR) is based on 20% down payment and a credit score > 740. Your APR, rate, and down payment may be different than shown above. Rates are specific to each transaction and may increase based on credit score, loan to value (LTV), property type and other factors. Fixed rate loans may be sold on the secondary market and must comply with all investor guidelines. Private Mortgage Insurance (PMI) is required on loans with less than 20% down payment. Minimum loan $50,000. Homeowners insurance and flood insurance (if applicable) is required. Condominiums must be Fannie Mae approved. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater. †This product is for new home purchases only.
HomeReady – First Time Homebuyer Program
Rates Effective: 7/20/2025
- 97% Maximum LTV / 1 Family Owner Occupied Purchase Only
| Term | Months | Points | Rate | APR | Payment Per $1,000* |
|---|---|---|---|---|---|
| 30 | 360 | 0 | 5.250% | 5.333% | $5.52 |
Annual Percentage Rate (APR) is based on 20% down payment and a credit score > 740. Your APR and rate may be different than shown above. Rates are specific to each transaction and may increase based on credit score, loan to value (LTV) and other factors. Loans in this product must comply with all investor guidelines and be eligible for sale on the secondary market. Private Mortgage Insurance (PMI) is required on loans with less than 20% down payment. Homeowners insurance and flood insurance (if applicable) is required. Borrowers must complete Fannie Mae’s Framework Homeownership online education course. The bank will credit the $75 cost of the course to borrowers at closing. See us for additional program details. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater.
Adjustable Mortgage Rates
- 5% Minimum Down Payment Required for 1 Family Owner Occupied
- 15% Minimum Down payment required on 2 Family Owner Occupied
- 25% Minimum Down Payment Required for 3‐4 Family Owner Occupied
- Purchase or Refinance**
Current Index Value – One Year US Treasury Bill: 2.34
| Product | Points | Caps | Rate | APR | Margin | Payment Per $1,000* | Payment Per $1,000 Fully Indexed* |
|---|---|---|---|---|---|---|---|
| 5‐1 ARM | 0 | 2/6 | 3.250% | 3.256% | 3.000% | $4.35 | $5.37 |
| 7‐1 ARM | 0 | 2/6 | 3.375% | 3.295% | 3.000% | $4.42 | $5.37 |
| 10‐1 ARM† | 0 | 2/6 | 3.500% | 3.409% | 3.000% | $4.49 | $5.37 |
| 10‐1 ARM | 0 | 2/6 | 3.625% | 3.486% | 3.000% | $4.56 | $5.37 |
Annual Percentage Rate (APR) is based on 20% down payment. Your APR may be different. Adjustable Rate Mortgage (ARM), the APR may increase after consummation. Private Mortgage Insurance (PMI) is required on loans with less than 20% down payment. Minimum loan $50,000. Homeowners insurance and flood insurance (if applicable) is required. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater. †This product is for new home purchases only. **30 year maximum term.
Construction Loan Rates
Rates Effective: 7/20/2025
- 30 Year Maximum Term
- 20% Minimum Down Payment Required
- Single Family Owner Occupied
| Product | Points | Caps | Rate | APR | Margin | Payment Per $1,000* | Payment Per $1,000 Fully Indexed* |
|---|---|---|---|---|---|---|---|
| 30 Year Fixed | 0 | N/A | 5.250% | 5.338% | N/A | $5.52 | N/A |
| 5‐1 ARM | 0 | 2/6 | 3.250% | 3.246% | 3.000% | $4.35 | $5.37 |
| 7‐1 ARM | 0 | 2/6 | 3.375% | 3.321% | 3.000% | $4.42 | $5.37 |
| 10‐1 ARM | 0 | 2/6 | 3.500% | 3.436% | 3.000% | $4.49 | $5.37 |
Annual Percentage Rate (APR) is based on 20% down payment. Minimum loan $50,000. Your APR may be different. Adjustable Rate Mortgage (ARM), the APR may increase after consummation. Homeowners insurance and flood insurance (if applicable) is required. Licensed general contractor is required. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater.
Land Loan Rates
Rates Effective: 7/20/2025
- 30% Minimum Down Payment Required / 70% Maximum LTV
- 15 Year Maximum Term
| Product | Points | Caps | Rate | APR | Margin | Payment Per $1,000* | Payment Per $1,000 Fully Indexed* |
|---|---|---|---|---|---|---|---|
| Fixed | 0 | N/A | 5.750% | 5.893% | N/A | $8.30 | N/A |
| 1 Year ARM | 0 | 2/6 | 4.750% | 4.268% | 4.000% | $7.78 | $8.44 |
Annual Percentage Rate (APR) is based on 30% down payment. Minimum loan $50,000. Your APR may be different. Adjustable Rate Mortgage (ARM), the APR may increase after consummation. On improved land ‐ town road frontage with electric facilities. Flood insurance (if applicable) is required. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater.
Home Equity Rates
Home Equity Loan – With Automatic Payments from a GCB/NCB Checking or Statement Savings Account
Rates Effective: 7/20/2025
- 1‐2 Family Owner Occupied
- $25,000 Minimum Loan Amount / $250,000 Maximum Loan Amount
| Term | Rate | APR | Payment Per $1,000* |
|---|---|---|---|
| 5 Years | 4.000% | 4.000% | $18.42 |
| 10 Years | 4.125% | 4.125% | $10.18 |
| 15 Years | 4.250% | 4.250% | $7.52 |
| 20 Years | 4.375% | 4.375% | $6.26 |
No Application Fee, No Closing Costs. Bank will used tax assessed value (from most recent property tax bill) and will lend up to 70% LTV (combined 1st & 2nd Mortgage). Maximum Loan to Value 80% (combined 1st and 2nd Mortgage) with Appraisal (Appraisal Fee: $500 or $650, if applicable). *Payments do not include real estate taxes or insurance. Your payment obligation will be greater. Homeowners insurance and flood insurance (if applicable) is required. Reimbursement of third party charges is required if the loan is paid off within the first twelve (12) months. The amount will be the lesser of $370 or three (3) months of interest of the outstanding principal balance at the time of payoff.
Home Equity Rates – Without Automatic Payments
- 1‐2 Family Owner Occupied
- $25,000 Minimum Loan Amount / $250,000 Maximum Loan Amount
| Term | Rate | APR | Payment Per $1,000* |
|---|---|---|---|
| 5 Years | 4.250% | 4.250% | $18.53 |
| 10 Years | 4.375% | 4.375% | $10.30 |
| 15 Years | 4.500% | 4.500% | $7.65 |
| 20 Years | 4.625% | 4.625% | $6.39 |
No Application Fee, No Closing Costs. Bank will used tax assessed value (from most recent property tax bill) and will lend up to 70% LTV (combined 1st & 2nd Mortgage). Maximum Loan to Value 80% (combined 1st and 2nd Mortgage) with Appraisal (Appraisal Fee: $500 or $650, if applicable). *Payments do not include real estate taxes or insurance. Your payment obligation will be greater. Homeowners insurance and flood insurance (if applicable) is required. Reimbursement of third party charges is required if the loan is paid off within the first twelve (12) months. The amount will be the lesser of $370 or three (3) months of interest of the outstanding principal balance at the time of payoff.
Home Equity Line of Credit (HELOC) Rates
- 1‐2 Family Owner Occupied
- 10 Year Draw Period / 15 Year Amortized Repayment Period
- $25,000 Minimum Loan Amount / $250,000 Maximum Loan Amount
Introductory Rate of 1.99% APR FIXED for 1 year* (Current Prime Rate is 4.75%)
No Application Fee, No Closing Costs. Bank will use tax assessed value (from most recent property tax bill) and will lend up to 70% LTV (combined 1st & 2nd Mortgage). Maximum Loan to Value 80% (combined 1st and 2nd Mortgage) with Appraisal (Appraisal Fee: $500 or $650, if applicable).
*After the one year introductory period, the annual percentage rate (APR) will be Prime + 0% and will vary monthly based upon the Wall Street Journal Prime Rate. Maximum rate is 18%.
Payments do not include real estate taxes or insurance. Your payment obligation will be greater. Homeowners insurance and flood insurance (if applicable) is required. Early Cancellation Fee of the lesser of $500 or 2% of the credit limit will be assessed if loan is paid off within the first 24 months.
Consumer Loan Rates
Auto Loan Rates
Rates Effective: 7/20/2025
- $5,000 Minimum Loan Amount
| Vehicle Type | Maximum Loan to Value (LTV) | Term | APR* | Payment Per $1,000*** |
|---|---|---|---|---|
| New Car | 90%** | 3 Years | 3.00% | $29.08 |
| New Car | 90%** | 4 Years | 3.25% | $22.25 |
| New Car | 90%** | 5 Years | 3.50% | $18.19 |
| New Car | 90%** | 6 Years | 4.50% | $15.87 |
| Used Car (2021‐2020) | 80%** | 4 Years | 5.00% | $23.03 |
| Used Car (2019‐2017) | 75%** | 3 Years | 5.50% | $30.20 |
$5,000 Minimum Loan Amount. We will take 0.25% off the listed rates above with automatic payment withdrawal from your GCB/NCB checking or statement savings account. *Annual Percentage Rate. ** Maximum LTV = Percentage (%) of NADA Book Value (appraised value) or Sales Price, whichever is lower. ***Payments do not include insurance. Auto insurance is required.
Mass Save Loans
Rates Effective: 7/20/2025
| Product | Loan Amounts | Max Term | APR | Sample Payments** |
|---|---|---|---|---|
| Micro | $500 ‐ $2,000 | 2 Years | 0.00% | $20.83 ‐ $83.33 |
| Standard | $2,001 ‐ $15,000 | 7 Years | 0.00% | $23.82 ‐ $178.58 |
| Extended | $15,001 ‐ $25,000* | 7 Years | 0.00% | $178.58 ‐ $297.62 |
To apply, customer must own a 1‐4 Family residence and obtain a Mass Save Home Energy Assessment. Call 866‐527‐7283 to schedule yours. No Application Fee, No Closing Costs.
*Appraisal Fee: $500 or $650 (if applicable)
**Payments do not include real estate taxes or insurance. Your payment obligation will be greater. Homeowners insurance and flood insurance (if applicable) is required.
Savings Secured Loans
Rates Effective: 7/20/2025
| Minimum Loan Amount | Maximum Loan Amount | Annual Percentage Rate | Terms |
|---|---|---|---|
| $500 | 95% of the statement savings account’s current balance | The current interest rate on the statement savings account plus 2.00% (minimum interest rate of 5.00%) | 1, 2, or 3 years of amortizing payments |
Savings secured loans are secured by funds held in a GCB statement savings deposit account. This product allows customers to borrow against their hard‐earned savings while establishing or rebuilding credit at the same time. The statement savings deposit account will continue to earn interest even as it is pledged as collateral for the loan.