|
|
SAVINGS RATES
All rates effective as
of x/xx/xx
|
Account
Type |
Annual
Percentage Yield |
Minimum
Balance to Obtain APY |
Minimum
Opening Balance |
| Certificates
of Deposit |
|
|
|
3 Month Certificate |
x.xx% |
$1,000 |
$1,000 |
|
6 Month Certificate |
x.xx% |
$1,000 |
$1,000 |
|
1 Year Certificate |
x.xx% |
$1,000 |
$1,000 |
|
18 Month Certificate |
x.xx% |
$1,000 |
$1,000 |
|
24 Month Certificate |
x.xx% |
$1,000 |
$1,000 |
|
36 Month Certificate |
x.xx% |
$1,000 |
$1,000 |
|
48 Month Certificate |
x.xx% |
$1,000 |
$1,000 |
|
60 Month Certificate |
x.xx% |
$1,000 |
$1,000 |
|
|
|
|
|
|
Liquid Investments |
|
|
|
|
|
|
|
| 50K
Club |
x.xx% |
$50,000 |
$50,000 |
|
x.xx% |
less than $50,000 |
|
|
|
|
|
|
| 40K
Club |
x.xx% |
$40,000 |
$40,000 |
|
x.xx% |
less than $40,000 |
|
|
|
|
|
|
High
Rate Money
Market Account |
x.xx%
x.xx% |
$ 5,000
less than $5,000 |
$ 5,000 |
| |
|
|
|
|
Money Market Account |
x.xx% |
$ 1,000 |
$ 1,000 |
|
x.xx% |
less than $1,000 |
|
|
|
|
|
|
|
Checking
Accounts |
|
|
| N.O.W.
Checking |
x.xx% |
$ 0 |
$ 10 |
|
|
|
|
|
|
Regular Savings
Accounts |
|
|
| Passbook
Accounts |
x.xx% |
$ 0 |
$ 10 |
| Statement
Accounts |
x.xx% |
$ 0 |
$ 10 |
|
|
|
|
|
| I.R.A.
Accounts* |
|
|
18 Month Certificate
(Fixed) |
x.xx% |
$ 100 |
$ 100 |
18 Month Certificate
(Variable) |
x.xx% |
$ 100 |
$ 100 |
*Any of our deposit products
can be used as an investment option for your IRA funds.
All APYs listed are accurate
as of (XX/XX/XX) and are subject to change without notice. There
is a substanial penalty for early withdrawal of term accounts.
Fees associated with accounts may lower the APY. The APY on Savings
and Checking Accounts may change after the account is opened.
Please contact a customer service representative at Bay State
Bank for information about our account offerings.
LOAN
RATES
1 – 4 Family
First Mortgage Residential Rates
|
Account
Type |
Term |
Rate |
Annual
Percentage Rate |
Points |
Caps |
| Adjustable
Rate Mortgages |
|
|
|
|
|
|
1 Year |
Conforming * |
?? |
x.xxx% |
x.xxx% |
1 |
2/6 |
|
|
|
?? |
x.xxx% |
x.xxx% |
0 |
2/6 |
|
|
|
|
|
|
|
|
|
|
Jumbo |
?? |
x.xxx% |
x.xxx% |
1 |
2/6 |
|
|
|
?? |
x.xxx% |
x.xxx% |
0 |
2/6 |
|
|
|
|
|
|
|
|
|
3/1 Year |
Conforming * |
?? |
x.xxx% |
x.xxx% |
1 |
2/6 |
|
|
|
?? |
x.xxx% |
x.xxx% |
0 |
2/6 |
|
|
|
|
|
|
|
|
|
|
Jumbo |
?? |
x.xxx% |
x.xxx% |
1 |
2/6 |
|
|
|
?? |
x.xxx% |
x.xxx% |
0 |
2/6 |
|
|
|
|
|
|
|
|
|
5/1 Year |
Conforming * |
?? |
x.xxx% |
x.xxx% |
1 |
2/6 |
|
|
|
?? |
x.xxx% |
x.xxx% |
0 |
2/6 |
|
|
|
|
|
|
|
|
|
|
Jumbo |
?? |
x.xxx% |
x.xxx% |
1 |
2/6 |
|
|
|
?? |
x.xxx% |
x.xxx% |
0 |
2/6 |
*Bay State Bank Conforming Adjustable
Rate Mortgages are available up to $300,000.
|
Account
Type |
Term |
Rate |
Annual
Percentage Rate |
Points |
| Fixed
Rate Mortgages |
|
|
|
|
Conforming* |
15 year |
x.xxx% |
x.xxx% |
2 |
|
|
|
x.xxx% |
x.xxx% |
1 |
|
|
|
x.xxx% |
x.xxx% |
0 |
|
|
|
|
|
|
|
|
30 year |
x.xxx% |
x.xxx% |
2 |
|
|
|
x.xxx% |
x.xxx% |
1 |
|
|
|
x.xxx% |
x.xxx% |
0 |
|
|
|
|
|
|
|
Jumbo |
15 year |
x.xxx% |
x.xxx% |
2 |
|
|
|
x.xxx% |
x.xxx% |
1 |
|
|
|
x.xxx% |
x.xxx% |
0 |
|
|
|
|
|
|
|
|
30 year |
x.xxx% |
x.xxx% |
2 |
|
|
|
x.xxx% |
x.xxx% |
1 |
|
|
|
x.xxx% |
x.xxx% |
0 |
*Maximum conforming loan amount
available for 1- 4 family residences on a per unit basis: 1 unit,
$240,000; 2 units, $307,100; 3 units, $371,200; 4 units, $461,350.
| Home
Equity Line Of
Credit |
5 year draw/15 year repayment |
6.75%* |
x.xxx% |
18% |
*First 6 months, prime adjusting
monthly thereafter based on the prime rate as listed in the The
Wall Street Journal.
|
Account
Type |
Term |
Rate |
Annual
Percentage Rate |
Points |
Caps |
| Multi-Unit
Residential Mortgages |
|
|
|
|
1/1 Adjustable Rate |
25 year max |
Prime
-1% |
|
1% of origination fee |
2/6 |
|
3/1 Adjustable Rate |
25 year max |
x.xxx% |
x.xxx% |
1% of origination fee |
2/6 |
|
5/1 Adjustable Rate |
25 year max |
x.xxx% |
x.xxx% |
1% of origination fee |
2/6 |
| Fixed
Rate |
15 year max |
x.xxx% |
x.xxx% |
0 |
|
DISCLOSURE COPY HERE |
