Rates | Fixed Rate Mortgage Rates

Mortgage Rates Home Equity & Consumer Loan Rates Deposit Account Rates

Mortgage Rates

Rates effective January 14, 2022

FIXED RATE MORTGAGES	Points	Interest Rate	APR	Payment Per $1,000
10 Year	0	2.875%	2.928%	$9.60
15 Year	0	2.875%	2.912%	$6.85
20 Year	0	3.375%	3.404%	$5.74
30 Year	0	3.625%	3.646%	$4.56
30 Year Rehab	0	3.875%	3.930%	$4.70
30 Year Construction	0	4.000%	4.058%	$4.86
30 Year Jumbo	0	3.875%	3.883%	$4.70
30 Year Jumbo Construction	0	4.000%	4.022%	$4.86
Annual Percentage Rates (APR) are based on loan amount of $240,000 and an estimated property value of $400,000. Jumbo loans are based on a loan amount of $647,201 for 1-unit, primary residence, purchase or rate and term refinance with a loan to value of 80% or less in Worcester County. Payments shown above do not include taxes or insurance. Please see below for additional information.

ADJUSTABLE*	Points	Interest Rate	APR	Payment Per $1,000
5 to 1	0	3.125%	2.817%	$4.29
5 to 1 Jumbo	0	3.375%	2.891%	$4.43
Annual Percentage Rates (APR) are based on loan amount of $240,000 and an estimated property value of $400,000. Jumbo loans are based on loan amount of $647,201 for 1-unit, primary residence, purchase or rate and term refinance with a loan to value of 80% or less in Worcester County. *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. Payments shown above do not include taxes or insurance. Please see below for additional information.

FIRST TIME HOME BUYER Up to 97% Financing	Points	Interest Rate	APR	Payment Per $1,000
30 Year Fixed	0	3.625%	3.646%	$4.56
Annual Percentage Rate (APR) is based on loan amount of $240,000 and an estimated property value of $400,000.

The information provided assumes the purpose of the loan is to purchase a property with a 40% down payment, a loan amount of $240,000 and an estimated property value of $400,000. The property is an existing single-family home and will be used as a primary residence. The assumed credit score is 740 or above. Jumbo loans are based on a loan amount of $647,201 for 1-unit, primary residence, purchase or rate and term refinance with a loan to value of 80% or less in Worcester County. Minimum credit score is 660. Payments above do not include taxes or insurance. Subject to underwriting guidelines. *The initial rate on the 5 to 1 may be discounted during the first 5 years. The annual percentage rate is subject to increase after closing. 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.

Home Equity & Consumer Loan Rates

Rates effective January 3, 2022

HOME EQUITY FLEX No Closing Costs or Application Fee. Fix a portion or all of your Credit Line.
Term	Initial Interest Rate*	APR**
6 Month Fixed	1.99%	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. These fees generally total between $0 and $1,000. If you ask, we will give you an itemization of the fees you may have to pay to third parties. An early termination fee applies for equity lines of credit closed within 36 months of opening the line of credit. All loans are subject to approval, other conditions 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 initial 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.

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	3.99% / 3.99%	$43.35	8.49% / 8.49%	$46.30
36	3.49% / 3.49%	$29.86	3.99% / 3.99%	$29.47	8.49% / 8.49%	$32.16
48	3.49% / 3.49%	$22.78	3.99% / 3.99%	$22.73	8.49% / 8.49%	$25.10
60	4.00% / 4.00%	$18.11	4.50% / 4.50%	$18.74	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 & APR	Other
ELOC (Easy Line of Credit Overdraft Protection)	Prime + 5.00% Minimum monthly payment must be automatically deducted from a Rollstone Bank & Trust checking account.	Minimum $500 Maximum $3,000
Secured Loans (RBT deposit account as collateral)	Savings or CD Rate + 3.00%	Loan may not exceed 100% of savings or CD value.

Deposit Account Rates

Rates effective January 4, 2022

ALL-IN-ONE CHECKING	Interest Rate	APY*
$0.01 – $15,000 (if requirements are met)	1.00%	1.00%
Over $15,000 (if requirements are met)	.15%	.15%
$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	.35%	.35%
$30,000 – $59,999	.20%	.20%
$10,000 – $29,999	.10%	.10%
$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	.40%	.40%
$30,000 – $59,999	.20%	.20%
$2,500 – $29,999	.10%	.10%
$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	.05%	.05%
6 Months	.25%	.25%
12 Months	.30%	.30%
18 Months	.35%	.35%
24 Months	.45%	.45%
36 Months	.55%	.55%
48 Months	.65%	.65%
60 Months	.85%	.85%
$500 minimum to open. 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	.25%	.25%
$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	.10%	.10%
$30,000 – $59,999	.05%	.05%
$10,000 – $29,999	.03%	.03%
$10 – $9,999	.03%	.03%
$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	.05%	.05%
$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

Rates are subject to change without notice. Fees may reduce earnings.