Current Rates

 
Mortgage Rates
 
Fixed Rate Mortgage Programs

Rates as of Thursday, April 6, 2017

PointsInterest
Rate
Annual
Percentage
Rate
Payment
per $1,000
PaymentsApply
30 Year Fixed Rate - Purchase/Refinance - No Cash Out
0.0004.250%4.300%$4.92Show Payments
1.0004.125%4.259%$4.85Show Payments
2.0004.000%4.219%$4.77Show Payments
20 Year Fixed Rate - Purchase/Refinance - No Cash Out
0.0004.250%4.319%$6.19Show Payments
1.0004.125%4.311%$6.13Show Payments
2.0004.000%4.303%$6.06Show Payments
15 Year Fixed Rate - Purchase/Refinance - No Cash Out
0.0003.375%3.462%$7.09Show Payments
1.0003.250%3.482%$7.03Show Payments
2.0003.125%3.504%$6.97Show Payments

Rates are subject to change without notice. Loan limits and other restrictions may apply.

Annual Percentage Rate (APR) quoted above are based on a representative $100,000 loan amount, with 20% down payment/equity for the stated term and include the points listed. Rates are not guaranteed until lock-in and subject to change without notice. All loan applications subject to credit underwriting and property approval. Homeowners' Insurance and flood insurance (if applicable) required. Private Mortgage Insurance (PMI) is required if your downpayment / equity is less than 20%. Loan rates are for a first lien position on single family owner-occupied residences up to $424,100. Call for rates available for 2-4 family owner occupied residences.

  
Adjustable Rate Mortgage Programs  

Rates as of Thursday, April 6, 2017

PointsInterest
Rate
Annual
Percentage
Rate
Payment
per $1,000
PaymentsApply
Five/One Year Adjustable Rate - Purchase/Refinance
Term 30 Years - CAPS 2% / 6%
0.0002.750%3.366%$4.08Show Payments
Seven/Three Year Adjustable Rate - Purchase/Refinance
Term 30 Years - CAPS 2% / 6%
0.0002.990%3.708%$4.21Show Payments

Rates are subject to change without notice. Loan limits and other restrictions may apply.

Annual Percentage Rate (APR) quoted above are based on a representative $100,000 loan amount, with 20% down payment/equity for the stated term and include the points listed. Rates are not guaranteed until lock-in and subject to change without notice. All loan applications subject to credit underwriting and property approval. Homeowners' Insurance and flood insurance (if applicable) required. Private Mortgage Insurance (PMI) is required if your downpayment / equity is less than 20%. Loan rates are for a first lien position on single family owner-occupied residences. Call for rates available for 2-4 family owner occupied residences.

All Adjustable Rate Mortgage (ARM) APR's are predicated on a 30 Year Amortization. ARM rates are based on a 1 or 3 year TBill Index with a margin of 2.750 depending on product.  All adjustable rates mortgages (ARM) products are variable and may change after consummation of the loan. Any increase in APR will result in a higher payment.

 

Rates as of Thursday, April 6, 2017

PointsInterest
Rate
Annual
Percentage
Rate
Payment
per $1,000
PaymentsApply
30 Year ARM Rate - FTHB
0.0002.990%3.708%$4.21Show Payments
30 Year Fixed Rate - FTHB
0.0004.250%4.300%$4.92Show Payments
Rates are subject to change without notice. Loan limits and other restrictions may apply.

Annual Percentage Rate (APR) quoted above are based on a representative $100,000 loan amount, with 20% down payment/equity for the stated term and include the points listed. Rates are not guaranteed until lock-in and subject to change without notice. All loan applications subject to credit underwriting and property approval. Homeowners' Insurance and flood insurance (if applicable) required. Private Mortgage Insurance (PMI) is required if your downpayment / equity is less than 20%. Loan rates are for a first lien position on single family owner-occupied residences. Call for rates available for 2-4 family owner occupied residences.

All Adjustable Rate Mortgage (ARM) APR's are predicated on a 30 Year Amortization. The Seven/Three Year ARM rate is based on the 3 Year TBill Index with a margin of 2.750.  All adjustable rates mortgages (ARM) products are variable and may change after consummation of the loan. Any increase in APR will result in a higher payment.  

Rates as of Thursday, April 6, 2017

PointsInterest
Rate
Annual
Percentage
Rate
Payment
per $1,000
PaymentsApply
Seven/Three Year Adjustable Rate Construction Loan
Term 30 years Caps 2%/6%
0.0003.750%4.106%$3.13Show Payments

Rates are subject to change without notice. Loan limits and other restrictions may apply.

Annual Percentage Rate (APR) quoted above are based on a representative $100,000 loan amount, with 20% down payment/equity for the stated term and include the points listed plus a twelve month interest only construction period. Rates are not guaranteed until lock-in and subject to change without notice. All loan applications subject to credit underwriting and property approval. Homeowners' Insurance and flood insurance (if applicable) required. Private Mortgage Insurance (PMI) is not available. Loan rates are for a first lien position on single family owner-occupied residences up to $424,100. Call for rates available for 2-4 family owner occupied residences.

All Adjustable Rate Mortgage (ARM) APR's are predicated on a 30 Year Amortization. The Seven/Three Year ARM is based on the 3 Year TBill Index with a margin of 2.750.  All adjustable rates mortgages (ARM) products are variable and may change after consummation of the loan. Any increase in APR will result in a higher payment.

*Available for owner occupied 1-4 family homes only

 
Consumer Loans

Rates as of Thursday, April 6, 2017

Product
Description
Interest
Rate
Annual
Percentage
Rate
PaymentsPayment
per $1,000
Apply
SPECIAL New Automobile Loan
New Auto SPECIAL term to 60 months2.990%3.112%Show Payments$17.96
New Automobile Loans
New Auto
term to 48 Months
2.990%3.141%Show Payments$22.13
New Auto
term to 60 Months
2.990%3.112%Show Payments$17.96
New Auto
term to 72 Months
6.500%6.606%Show Payments$16.81
Used Automobile Loans
Used Auto
term to 36 Months
4.250%4.450%Show Payments$29.64
Used Auto
term to 48 Months
4.750%4.902%Show Payments$22.92
Used Auto
term to 60 Months
4.990%5.114%Show Payments$18.87
Consumer Loan Annual Percentage Rate (APR) quoted above are based on representative $1,000 loan amounts. Rates are subject to change without notice. All loan applications subject to credit underwriting and property approval. Automobile loans are limited to a maxiumum of 100% loan-to-value on new cars and up to the "average loan amount" as shown in the NADA Blue Book for Used cars. Property insurance required on car loans. Contact Easthampton Savings Bank for specific details.

Rates as of Thursday, April 6, 2017

Interest
Rate
Annual
Percentage
Rate
PaymentsPayment
per $1,000
Apply
Boat - NEW - 60 Month term
7.990%7.990%Show Payments$20.27
Boat - NEW - 72 Month term
9.990%9.990%Show Payments$18.52
Boat - NEW - 84 Month term
Boat - NEW - 96 Month term
8.990%8.990%Show Payments$14.65

Boat Loan Annual Percentage Rate (APR) quoted above are based on representative $1,000 loan amounts. Property insurance required on boat loans.

 
Home Equity Lines of Credit

Rates as of Thursday, April 6, 2017

Product
Description
Interest
Rate
Annual
Percentage
Rate
Apply
Prime Choice Equity Line of Credit - Maximum Loan to Value 80%
Prime Rate
119 Months Draw/121 Months Repayment4.000%4.000%
Disclosures applicable to all Prime Choice Equity Lines of Credit:  *Products are available for owner occupied 1-4 family properties only. Annual Percentage Rate (APR) cannot exceed 18%. Homeowners' insurance and flood insurance (if applicable) required. Consult your tax advisor regarding deductibility. Minimum line is $10,000; Maximum line is $250,000.00. All loan applications are subject to credit underwriting and property approval.  
Personal Loans

Rates as of Thursday, April 6, 2017

Product
Description
Interest
Rate
Annual
Percentage
Rate
Payment
per $1,000
PaymentsApply
Personal Unsecured
12 Month
Personal Loan
14.000%14.000%$89.79Show Payments
24 Month
Personal Loan
14.000%14.000%$48.01Show Payments
36 Month
Personal Loan
14.000%14.000%$34.18Show Payments

The Personal Loan Annual Percentage Rate (APR) quoted above is based on representative $1,000 loan amounts.