Mortgage Rates
Home Equity & Consumer Loan Rates
Deposit Account Rates
Rates effective September 30, 2022
| FIXED RATE MORTGAGES | Points | Interest Rate | APR | Payment Per $1,000 |
|---|---|---|---|---|
| 10 Year | 0 | 5.250% | 5.305% | $10.73 |
| 15 Year | 0 | 5.375% | 5.414% | $8.10 |
| 20 Year | 0 | 5.500% | 5.531% | $6.88 |
| 30 Year | 0 | 5.625% | 5.648% | $5.76 |
| 30 Year Rehab | 0 | 5.750% | 5.812% | $5.84 |
| 30 Year Jumbo | 0 | 5.625% | 5.634% | $5.76 |
| Rates reflect Portfolio loans. 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 | 4.625% | 5.723% | $5.15 |
| 5 to 1 Jumbo | 0 | 4.625% | 5.709% | $5.15 |
| 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 | 5.625% | 5.648% | $5.76 |
| Annual Percentage Rate (APR) is based on loan amount of $240,000 and an estimated property value of $400,000. | ||||
Contact us for details.
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 minimum credit score is 660. 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 700. 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 September 23, 2022. Subject to change. Current Prime is 6.250% as quoted in the Wall Street Journal.
| 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** | ||
| 6 Month Fixed | 2.99% | 5.75% | ||
| FIXED FLEX RATES | ||||
|---|---|---|---|---|
| Term | Interest Rate | LTV | APR | Payment Per $1,000 |
| 5 Years | 5.50% | 80% | 5.50% | $19.11 |
| 10 Years | 6.50% | 80% | 6.50% | $11.36 |
| 15 Years | 7.50% | 80% | 7.50% | $9.27 |
| Property must be owner-occupied as year-round residence. Hazard insurance is required. Flood insurance may be required. Appraisal, inspection, discharge, 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 5 to 15 years with annual percentage rates of 5.50% to 7.50%. 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 | 3.99% / 3.99% | $44.24 | 4.50% / 4.50% | $44.47 | 8.49% / 8.49% | $46.30 |
| 36 | 3.99% / 3.99% | $30.08 | 4.50% / 4.50% | $30.31 | 8.49% / 8.49% | $32.16 |
| 48 | 3.99% / 3.99% | $23.00 | 4.50% / 4.50% | $23.24 | 8.49% / 8.49% | $25.10 |
| 60 | 4.50% / 4.50% | $19.00 | 5.00% / 5.00% | $19.23 | 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. Autos 2012 & older; not to exceed 90% of NADA Trade-in Value. |
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| OTHER LOANS | ||
|---|---|---|
| Loan Type | Interest Rate & 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. |
Deposit Account Rates
Rates effective September 21, 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. | ||
*APY = Annual Percentage YieldRates are subject to change without notice. Fees may reduce earnings.
| FIXED RATE CERTIFICATE SPECIAL | Interest Rate | APY* |
|---|---|---|
| 15 Month CD | 2.50% | 2.53% |
| $1,000 minimum to open. Less than minimum balance earns no interest. 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. | ||
| CLUB ACCOUNTS | Interest Rate | APY* |
| $10 and over | .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. | ||