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Checking Account Rates

APY Effective as of: Sunday, December 16, 2018

TermsInterest RateAPY*
NOW Checking0.05%0.05%How to Open
Basic Checking0.00%0.00%How to Open

*Annual Percentage Yield (APY) is based on interest compounding monthly.
Rates are subject to change without notice.
The rates may change after the account is opened.
The minimum balance to open a NOW Checking account is $500.00.
The minimum balance to open a Basic Checking account is $10.00.
You must maintain a minimum daily balance of $10.00 to obtain the stated APY on a NOW Checking.
You must maintain a minimum balance of $10.00 in the account each day on a Basic Checking.
Fees may reduce earnings on accounts - ask for details.

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Savings Account Rates

APY Effective as of: Sunday, December 16, 2018

TermInterest RateAPY*
Passbook Savings0.15%0.15%How to Open
Statement Savings 0.15%0.15%How to Open
Christmas Club0.15%0.15%How to Open

*Annual Percentage Yield (APY) is based on interest compounding monthly.
Rates are subject to change without notice.
The rates may change after the account is opened.
$10.00 minimum balance to open and obtain the stated APY.
Fees may reduce earnings on accounts - ask for details.

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Money Market Rates

APY Effective as of: Sunday, December 16, 2018

Item Interest Rate APY*
Money Market Deposit Account
$2,500.00 or more 0.10% 0.10% How to Open
$10.00 but less than $2,500.00 0.05% 0.05% How to Open
Tiered Rate Money Market
$10,000.00 or more 0.15% 0.15% How to Open
$2,500.00 but less than $10,000.00 0.10% 0.10% How to Open
$10.00 but less than $2,500.00 0.05% 0.05% How to Open

*Annual Percentage Yield (APY) is based on interest compounding monthly.
Rates are subject to change without notice.
The rates may change after the account is opened.
The minimum balance to open a Money Market account is $2,500.00.
The minimum balance to open a Tiered Rate Money Market account is $10,000.00.
You must maintain a minimum daily balance shown above to obtain the stated APY on any account
Fees may reduce earnings on accounts - ask for details.

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Certificates of Deposit and Retirement Account Rates

APY Effective as of: Sunday, December 16, 2018

Term Interest Rate APY
6 Month CD 0.35% 0.35%** How To Open
1 Year CD 1.00% 1.00%* How To Open
2 Year CD 0.90% 0.90%* How To Open
3 Year CD 1.29% 1.30%* How To Open
5 Year CD 2.23% 2.25%* How To Open

*Annual Percentage Yield (APY) is based on interest compounding monthly.
**Annual Percentage Yield (APY) based on simple interest.
Rates are subject to change without notice.
$1,000.00 CD minimum balance to open and obtain the stated APY.
$500.00 Retirement Account minimum balance to open and obtain the stated APY.
APY assumes principal and interest remain on deposit for at least one year.
Penalty may be imposed for early withdrawals.
Personal Funds Only. Product offer may be withdrawn at anytime.

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Fixed Mortgage Rates

Effective as of: Sunday, December 16, 2018

Type Interest Rate APR* Monthly Payments Per $1,000 Borrowed
30 Year Fixed Rate 5.00% 5.010% $5.37 How To Apply
20 Year Fixed Rate 4.750% 4.764% $6.46 How To Apply
15 Year Fixed Rate 4.500% 4.518% $7.65 How To Apply
10 Year Fixed Rate 4.375% 4.401% $10.30 How To Apply
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Adjustable Rate Mortgage Rates

Effective as of: Sunday, December 16, 2018

Type Interest Rate # Monthly Payments Points Monthly Payment Per $1,000 Fully Indexed Rate % # of Monthly Payments Monthly Payment Per $1,000 APR*
1 Year Adjustable 4.500% 12 0.000% $5.07 5.500% 348 $5.66 5.42% How To Apply
3 Year Adjustable 4.250% 36 0.000% $4.92 5.750% 324 $5.76 5.40% How To Apply
3/1 Year Adjustable 4.250% 36 0.000% $4.92 5.750% 324 $5.76 5.40% How To Apply
5/1 Year Adjustable 4.250% 60 0.000% $4.92 5.750% 300 $5.71 5.20% How To Apply
7/1 Year Adjustable 4.250% 84 0.000% $4.92 5.750% 276 $5.66 5.03% How To Apply
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Home Equity Line of Credit

Effective as of: Sunday, December 16, 2018

Type Interest Rate APR*
Home Equity Line of Credit 5.25% 5.25% How To Apply

*Annual Percentage Rate (APR)
Rate and Annual Percentage Rate (APR) are available on owner-occupied 1-4 family homes and condominiums.
Homeowner's insurance is required on the home securing the line. Flood Insurance may be required.
Consult your tax advisor regarding the deductibility of interest paid.
80% maximum CLTV. Appraisal is required at borrowers expense.
Subject to credit approval.
Term is based on 10 year draw period followed by a 15 year repayment schedule.
APRs for Home Equity Lines of Credit are variable and are subject to change monthly. Rates are based on the Wall Street Journal Prime Rate (currently 5.25%).
Maximum APR is 18%.
Please call for additional loan details.

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Fixed Rate Home Equity Loan

Effective as of: Sunday, December 16, 2018

TypeInterest RateAPR*Monthly Payments Per $1,000 Borrowed
5 years4.750%4.763%$18.76How To Apply
10 years5.000%5.007%$10.61How To Apply
15 years5.500%5.505%$8.17How To Apply

*Annual Percentage Rate (APR)
Rate and Annual Percentage Rate (APR) are available on owner-occupied 1-4 family homes and condominiums.
North Cambridge Co-operative Bank lien must be in second position for these loan terms.
Homeowner's insurance is required on the home securing the loan. Flood insurance may be required.
Consult your tax advisor regarding the deductibility of interest paid.
80% maximum CLTV. Appraisal is required at borrowers expense.
Subject to credit approval.
Please call for additional loan details.

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Auto Loan Rates

Effective as of: Sunday, December 16, 2018

Type Interest Rate APR* Monthly Payments Per $1,000 Borrowed
New Automobile 1 6.25% 6.25% $19.45 How To Apply
Used Auto 1-2 Years Old 2 7.00% 7.00% $23.95 How To Apply
Used Auto 3-8 Years Old 3 7.50% 7.50% $31.11 How To Apply

*Annual Percentage Rate (APR)
1 10% down payment required. $35,000.00 maximum loan. 5 year maximum loan term.
2 20% down payment required. $30,000.00 maximum loan. 4 year maximum term.
3 20% down payment required. $30,000.00 maximum loan. 3 year maximum loan term.
Please call for additional loan details.
All rates subject to change without notice.

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Personal Loan Rates

Effective as of: Sunday, December 16, 2018

Type Interest Rate APR* Monthly Payments Per $1,000 Borrowed
Unsecured Personal Loan 1 9.75% 9.75% $32.15 How To Apply
Passbook Loan 2 Deposit Rate + 3% Deposit Rate + 3% How To Apply

*Annual Percentage Rate (APR)
1 $5,000.00 maximum loan. 3 year maximum loan term.
2 Up to 90% of secured amount in passbook. Principal payback determined by customer. Interest billed monthly.
2 The APR may increase after consummation if the rate paid on the account being held as collateral increases.
Please call for additional loan details.

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