Mortgage Rates
Rates effective December 6, 2019
| FIXED RATE MORTGAGES | Points | Interest Rate | APR | Payment Per $1,000 |
| 10 Year | 0 | 3.250% | 3.322% | $9.77 |
| 15 Year | 0 | 3.375% | 3.425% | $7.09 |
| 20 Year | 0 | 3.625% | 3.664% | $5.86 |
| 30 Year | 0 | 3.750% | 3.778% | $4.63 |
| 30 Year Rehab | 0 | 3.875% | 3.941% | $4.70 |
| 30 Year Construction | 0 | 4.000% | 4.069% | $4.86 |
| 30 Year Jumbo | 0 | 4.000% | 4.010% | $4.77 |
| 30 Year Jumbo Construction | 0 | 4.000% | 4.025% | $4.86 |
| Annual Percentage Rates (APR) are based on loan amount of $180,000 and an estimated property value of $300,000. Please see below for additional information. | ||||
| ADJUSTABLE* | Points | Interest Rate | APR | Payment Per $1,000 |
| 5 to 1 | 0 | 3.375% | 3.725% | $4.43 |
| 5 to 1 Jumbo | 0 | 3.500% | 3.752% | $4.50 |
| Annual Percentage Rates (APR) are based on loan amount of $180,000 and an estimated property value of $300,000. Jumbo loans are based on $484,351 with a 20% down payment.
*The initial rate on the 5 to 1 ARMs may be discounted during the first 5 years. The annual percentage rate is subject to increase after closing. Please see below for additional information. |
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| FIRST TIME HOME BUYER Up to 97% Financing |
Points | Interest Rate | APR | Payment Per $1,000 |
| 30 Year Fixed | 0 | 3.750% | 3.778% | $4.63 |
| 5 to 1 Adjustable*, Reduced Fee | 0 | 3.375% | 3.725% | $4.43 |
| Annual Percentage Rates (APR) are based on loan amount of $180,000 and an estimated property value of $300,000.
*The initial rate on the 5 to 1 ARMs may be discounted during the first 5 years. The annual percentage rate is subject to increase after closing. Please see below for additional information. |
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FHA, VA and USDA loans also available. Contact us for details.
The information provided is assumed to purchase a property with a 40% down payment, a loan amount of $180,000 and an estimated property value of $300,000. The property is an existing single family home and will be used as a primary residence. Payments shown above do not include taxes or insurance. The assumed credit score is 740 or above.
For scenarios that differ from above, contact a Mortgage Originator for rates/APRs.
APR = Annual Percentage Rate
Rates and APRs are subject to change at any time. NMLS #769125
Consumer Loan Rates
Rates effective December 3, 2019
| HOME EQUITY FLEX No Closing Costs or Application Fee. Fix a portion or ALL of your Credit Line. |
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| Term | Initial Interest Rate* | APR** | ||
| 24 Month Fixed | 3.23% | 4.50% | ||
| FIXED FLEX RATES | ||||
| Term | Interest Rate | LTV | APR | Payment Per $1,000 |
| 5 Years | 4.50% | 80% | 4.50% | $18.64 |
| 10 Years | 5.50% | 80% | 5.50% | $10.85 |
| 15 Years | 6.50% | 80% | 6.50% | $8.71 |
| Property must be owner-occupied as year-round residence. Hazard insurance is required. Flood insurance may be required. Appraisal, inspection, or trust review fees may apply. *The initial rate may be discounted. The Annual Percentage Rate (APR) is subject to increase and is based on an index, which is the Wall Street Journal Prime. The maximum APR is 18%. The minimum APR is 4.5%. **After the inital fixed term, the rate will go to Prime minus .50%, with a floor of 4.50%. Fixed portion can be locked for terms of 1 to 15 years with annual percentage rates of 4.50% to 6.50%. A maximum of three fixed portions are available simultaneously. |
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| AUTO LOANS | ||||||
| Credit Score | 730+ | 680 – 729 | 660 – 679 | |||
| Term (in months) |
Rate / APR | Payment Per $1,000 | Rate / APR | Payment Per $1,000 | Rate / APR | Payment Per $1,000 |
| 24 | 3.49% / 3.49% | $44.03 | 4.49% / 4.49% | $44.24 | 8.49% / 8.49% | $46.30 |
| 36 | 3.49% / 3.49% | $29.86 | 4.49% / 4.49% | $30.08 | 8.49% / 8.49% | $32.15 |
| 48 | 3.49% / 3.49% | $22.78 | 4.49% / 4.49% | $23.00 | 8.49% / 8.49% | $25.10 |
| 60 | 4.25% / 4.25% | $18.89 | 5.25% / 5.25% | $19.35 | 9.25% / 9.25% | $21.27 |
| Subject to underwriting guidelines. Minimum 5% down payment (cash or trade). Not to exceed 95% of NADA Retail Value. | ||||||
| OTHER LOANS | ||
| Loan Type | Interest Rate and APR | Other |
| ELOC (Easy Line of Credit Overdraft Protection) |
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| Secured Loans (RBT deposit account as collateral) | Savings or CD Rate + 3.00% | Loan may not exceed 100% of savings or CD value. |
NMLS #769125
Deposit Account Rates
Rates effective December 04, 2019
| GROTON CHECKING | Interest Rate | APY* |
| Over $25,000 (if requirements are met) | .35% | .35% |
| $0 – $25,000 (if requirements are met) | 3.22% | 3.25% |
| Available ONLY at the Groton branch. $100 minimum to open. APY guaranteed through 12/31/19; subject to change after that. Activity requirements to earn APY: must receive direct deposit and use debit card 10 times in one month. Accounts not meeting activity requirements will earn .05% APY. Fees may reduce earnings on the account. Personal accounts only. |
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| GROTON MONEY MARKET | Interest Rate | APY* |
| $25,000 and over | 1.75% | 1.76% |
| $0 – $25,000 | .50% | .50% |
| Available ONLY at the Groton branch. $25,000 minimum to open. Opening funds must be new to RBT. Existing RBT customers may make a one-time transfer up to $10,000 from another RBT account to open the accounts. eChecking, Ultimate Checking, or All-In-One Checking account required. APY subject to change after the account is opened. Fees may reduce earnings on the account. | ||
| ALL-IN-ONE CHECKING | Interest Rate | APY* |
| Over $15,000 (if requirements are met) | .35% | .35% |
| $0 – $15,000 (if requirements are met) | 1.98% | 2.00% |
| $100 minimum to open. Variable rate account. The rate may change after the account is opened. Personal accounts only. | ||
| PRIME SAVER | Interest Rate | APY* |
| $60,000 and over | .55% | .55% |
| $30,000 – $59,999 | .35% | .35% |
| $10,000 – $29,999 | .15% | .15% |
| $100 – $9,999 | .10% | .10% |
| $2,500 minimum to open. Below $100 earns no interest. The rate may change after the account is opened. Ultimate Checking Account is required. | ||
| MONEY MARKET | Interest Rate | APY* |
| $60,000 and over | 1.05% | 1.06% |
| $30,000 – $59,999 | .85% | .85% |
| $2,500 – $29,999 | .40% | .40% |
| $2,500 minimum to open. Less than minimum earns .10% APY. Less than $100 earns no interest. The rate may change after the account is opened. Ultimate Checking Account is required. | ||
| FIXED RATE CERTIFICATES | Interest Rate | APY* |
| 3 Months | .50% | .50% |
| 6 Months | 1.45% | 1.45% |
| 12 Months | 1.85% | 1.87% |
| 24 Months | 2.00% | 2.02% |
| 36 Months | 2.00% | 2.02% |
| $1,000 minimum to open 3 or 6 month certificate. $100 minimum to open 12 – 36 month certificate. Less than minimum balance earns no interest. Early withdrawal penalty may be imposed on certificates. 3 and 6 month term are not available as retirement certificates. | ||
| VARIABLE RATE CERTIFICATES | 9 Month Smart Saver | |
| regular or retirement | Interest Rate | APY* |
| 9 Months | 1.56% | 1.57% |
| $100 minimum to open. Less than minimum balance earns no interest. Variable rate account. The rate may change after the account is opened. Maturity: 9 months from initial or last deposit. Early withdrawal penalty may be imposed on certificates. | ||
| SAVINGS ACCOUNTS, including iSave for Kids | Interest Rate | APY* |
| $60,000 and over | .15% | .15% |
| $30,000 – $59,999 | .10% | .10% |
| $10,000 – $29,999 | .10% | .10% |
| $10 – $9,999 | .10% | .10% |
| $10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. | ||
| Interest Rate | APY* | |
| CLUB ACCOUNTS | .15% | .15% |
| $10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. | ||
| COMMERCIAL MONEY MARKET | Interest Rate | APY* |
| For rates, contact Chris Connors, Relationship Banking Officer, at 978.343.2214. | ||
| $2,500 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. | ||
*APY = Annual Percentage Yield
All rates subject to change.
Transfers from a Money Market or Savings Account to another account or to third parties by pre-authorized, automatic, telephone or computer transfer, debit card or similar order to third parties are limited to six per month.
