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Online Banking

Phone: 978-283-0246

Adjustable Rate Mortgages

We employ a staff of mortgage specialists who are on hand to answer your questions, and they can work with you to find a mortgage or loan option that leaves you feeling confident and satisfied. Apply online! It's easy!

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Mortgage payments per $1,000.00 do not include taxes and insurance. The actual payment obligation will be greater.

Mortgage Adjustable Rate Products
TypeTermInterest RatePointsAnnual Percentage
Rate (APR)
Monthly Payment per $1,000
3/1 ARM 30 Years 3.250% 0 4.63%* 36 @ $4.35 324 @ $4.87
5/1 ARM 30 Years 3.375% 0 4.45%* 60 @ $4.42 300 @ $4.91
7/1 ARM 30 Years 3.500% 0 4.32%* 84 @ $4.49 276 @ $4.95
10/1 ARM 30 Years 4.000% 0 4.42%* 120 @ $4.77 240 @ $5.20
*Annual Percentage Rate based on 20% down payment without private mortgage insurance.

Available for 1 - 4 family, owner occupied residences.
Other payment terms available.
1% Cap per adjustment, 5% Lifetime Cap
Indexed to the Federal Reserve Board listing the weekly average yields on US Treasury Securities adjusted to a constant maturity of one year plus a margin rounded to the nearest .125%. Ask for our current margin.
Annual Percentage Rate is subject to change after consummation.
The APR (Annual Percentage Rate) is based on a formula using the interest rate, the term of the loan, and any initial rate discount/premium period.
Minimum down payment 5% (own funds).

Mortgage Calculator


Rates are applicable as of 4/20/2018.


NEW Feature - Online Banking Enhancement Pending Transactions

  • Customer's Account information will now include debit/credit card transactions that are pending on their account.
  • As depicted in the image below you will now see a pending transaction (see example below), the pending amount and a zero balance.
  • The zero balance to the right of the pending transaction will be updated once the transaction is posted, this does not mean that your balance is zero.
  • Customers can find their current balance and available balance under Account Information near the top of the page (see example below).
  • The Available balance reflects the Current balance minus the displayed pending transactions.
  • If you do not see a transaction pending that you expect, it most likely means that the transaction has not been initiated yet against the account.


        Pending Transactions