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Online Banking

Phone: 978-283-0246

First Time Home Buyers Program


Our primary market is Cape Ann, Massachusetts

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.

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

Mortgage First Time Home Buyers Program
TypeTermInterest RatePointsAnnual Percentage
Rate (APR)
Monthly Payment per $1,000
7/1 ARM 30 Years 3.375% 0 4.26%* 84@ $4.42 276@ $4.88
10/1 ARM 30 Years 3.750% 0 4.26%* 120@ $4.63 240@ $5.05
*Annual Percentage Rate based on 5% down payment with private mortgage insurance.

Available to first time homebuyers (affidavit required) for the purchase of 1 - 4 family, owner occupied residences.
Minimum down payment 5% (own funds); Primary Mortgage Insurance may be required on loan to value ratios in excess of 80%.
Qualifying income ratios: 33% and 38%.
1% Cap per adjustment, 5% Lifetime Cap

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