Current Rates

Please read this important information about our service area. If you reside outside of the State of Massachusetts, please contact us so that we can evaluate whether we can adequately service your lending or deposit product needs.

Fixed Mortgage Rates
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Effective Date: 07/14/2010

Mortgage Type	Term	Points	Rate	Annual Percentage Rate(APR)	Payment per $1,000 borrowed
Fixed	15 Years	0	4.000%	4.041%	$7.40
Fixed	15 Years	1	3.875%	4.065%	$7.33
Fixed	15 Years	2	3.750%	4.090%	$7.27
Fixed	20 Years	0	4.375%	4.408%	$6.26
Fixed	20 Years	1	4.250%	4.400%	$6.19
Fixed	20 Years	2	4.125%	4.393%	$6.13
Fixed	30 Years	0	4.500%	4.524%	$5.07
Fixed	30 Years	1	4.375%	4.484%	$4.99
Fixed	30 Years	2	4.250%	4.444%	$4.92

First-Time Homebuyer Program
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Adjustable Mortgage Rates

Effective Date: 07/14/2010

Mortgage Type	Term	Points	Rate	Annual Percentage Rate(APR)	Payment per $1,000 borrowed
1 Year Adjustable	30 Years	0	4.625%	6.440%	$5.14
3/1 Year Adjustable	30 Years	0	5.125%	6.610%	$5.44
5/1 Adjustable	30 Years	0	5.625%	6.820%	$5.76

Maximum rate increase for 1 Year Adjustable Rate Mortgages is 2% per adjustment and 6% over the life of loan.

3/1 Adjustable Rate Mortgage is fixed for the first 3 years then adjusts annually 2% maximum adjustment per year and 6% maximum adjustment over the life of the loan.

5/1 Adjustable Rate Mortgage is fixed for the first 5 years then adjusts annually 2% maximum adjustment per year and 6% maximum adjustment over the life of the loan.

Payment amounts do not include taxes or insurance premiums. Your payments willl be greater.

Annual Percentage Rate's (APR) are based on a 20% down payment and $100,000 financed.

All mortgage rates are for 1-4 Family Owner-Occupied homes.

Private Mortgage Insurance is required on Loan-to-Values in excess of 80%.

Rates are subject to change without notice.

Home Equity Rates
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Effective Date: 07/14/2010

Type	Term	Annual Percentage Rate(APR)	Payment per $1,000 borrowed
Equity Line of Credit	10-Year Draw Period	5.000%**	Varies
Fixed Rate Equity Loan	5 Year	6.250%	$19.45
Fixed Rate Equity Loan	10 Year	6.750%	$11.48
Fixed Rate Equity Loan	15 Year	7.000%	$8.99
Fixed Rate Equity Loan	20 Year	7.500%	$8.06

Rate quoted is for owner occupied property, 1-4 family residences only. Maximum LTV 75%.

**This rate is fixed for 24 months. The Annual Percentage Rate (APR) is based on the Prime Rate as published in The Wall Street Journal and is 3.25% as of 1/1/2010. The minimum Annual Percentage Rate is 5% with a maximum Annual Percentage Rate of 18%. Early termination fee applies to lines of credit closed within 36 months.

See a tax advisor regarding deductibility of interest on both Loans and Lines of Credit. Property insurance is required. Other terms and conditions may apply.

Consumer Loan Rates
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Effective Date: 07/14/2010

Type	Term	Annual Percentage Rate	Payment per $1,000 borrowed
Unsecured Personal Loan	36 Months	14.00%*	$34.18
Other Loans Available
Passbook Loans		3% above acct. rate

*Rates will decrease another .25% if payments are automatically
deducted from a North Brookfield Savings Bank account.

Land & Mobile Home Loans are also available.
Please call 508-867-1301 for more details.

Auto/Motorcycle Loan Rates
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Effective Date: 07/14/2010
Rates listed below assume a down payment (cash or trade) of at least 20% of purchase price. Other down payment options are available.

Type	Term	Annual Percentage Rate (APR)	Payment per $1,000 borrowed
New	60 Months	6.49%*	$19.56
Used 1-3 Years Old	48 Months	6.74%*	$23.83
Used 4+ Years Old	36 Months	6.74%*	$30.76
Motor Homes	120 Months	9.25%*	$12.80
All Terrain Vehicles	60 Months	9.00%*	$20.76
Commercial	60 Months	8.25%*	$20.40

*Rates will decrease another .25% if payments are automatically deducted from a North Brookfield Savings Bank account.