Rates
- Deposit Rates
- Consumer Loan Rates
- Residential Lending Rates
- Mass Housing Rates
Deposit Account Rates
Checking
Account | Interest Rate | APY | Minimum Deposit to Open | Minimum Balance to Obtain APY* |
---|---|---|---|---|
Totally Free Checking: 50+ Free Interest Checking** | 0.03% | 0.03% | $1† | $1 |
Totally Free Checking: VIP Free Interest Checking** | 0.03% | 0.03% | $1† | $1 |
Higher Yield Checking** | 0.10% | 0.10% | $1† | $1 |
0.20% | 0.20% | $1,500 | ||
Money Market** | 0.20% | 0.20% | $1,000 | $10 |
0.30% | 0.30% | $1,000 |
Savings
Account | Interest Rate | APY | Minimum Deposit to Open | Minimum Balance to Obtain APY* |
---|---|---|---|---|
Totally Free Savings**
|
0.15% | 0.15% | $10 | $10 |
Certificates of Deposit
Account | Interest Rate | APY | Minimum Deposit to Open | Minimum Balance to Obtain APY* |
---|---|---|---|---|
91 Day | 0.25% | 0.25% | $1,000 | $10 |
6 Month | 0.35% | 0.35% | $1,000 | $10 |
6 Month Flex | 0.35% | 0.35% | $1,000 | $10 |
7 Month Special | 4.75% | 4.85% | $500 | $10 |
9 Month Special | 4.75% | 4.85% | $500 | $10 |
12 Month | 0.40% | 0.40% | $1,000 | $10 |
14 Month Special | 4.50% | 4.59% | $500 | $10 |
18 Month | 0.45% | 0.45% | $1,000 | $10 |
24 Month | 0.50% | 0.50% | $1,000 | $10 |
30 Month | 0.55% | 0.55% | $1,000 | $10 |
36 Month | 0.60% | 0.60% | $1,000 | $10 |
48 Month | 0.70% | 0.70% | $1,000 | $10 |
60 Month | 0.80% | 0.80% | $1,000 | $10 |
Individual Retirement Accounts
Account Type | Interest Rate | APY | Minimum Deposit To Open | Minimum Balance to Obtain APY* |
---|---|---|---|---|
Totally Free Savings** | 0.20% | 0.20% | $10 | $10 |
6 Month | 0.35% | 0.35% | $1,000 | $10 |
7 Month Special | 4.75% | 4.85% | $500 | $10 |
9 Month Special | 4.75% | 4.85% | $500 | $10 |
12 Month | 0.40% | 0.40% | $1,000 | $10 |
14 Month Special | 4.50% | 4.59% | $500 | $10 |
18 Month | 0.45% | 0.45% | $1,000 | $10 |
24 Month | 0.50% | 0.50% | $1,000 | $10 |
30 Month | 0.55% | 0.55% | $1,000 | $10 |
36 Month | 0.60% | 0.60% | $1,000 | $10 |
48 Month | 0.70% | 0.70% | $1,000 | $10 |
60 Month | 0.80% | 0.80% | $1,000 | $10 |
**Rate may change after opening.
Penalties for early withdrawal on CD's may be imposed. Fees could reduce the earnings on the above accounts.
Rates are subject to change anytime.
Equity Credit Lines
Max Combined Loan-to-Value | Max Term | Margin | Min Annual Percentage Rate/Floor | Max Annual Percentage Rate | Fixed for the First Year Annual Percentage Rate*** | Fully Indexed Annual Percentage Rate* |
---|---|---|---|---|---|---|
80% | 15 Years | 0% | 0.00% | 15% | 3.990% | 8.500% |
Rates Subject to Increase After Consummation.
Making minimum required payments will result in a balloon balance falling due at loan maturity.
checking account on loans up to $250,000**
Closing costs range between $811.00-$1,117.00.
Equity Loans
Max Combined Loan-to-Value | Max Term | Index | Margin | Max Annual Percentage Rate |
Annual Percentage Rate
|
Monthly Payments per $1,000 |
---|---|---|---|---|---|---|
80% | 10 Years | Fixed | n/a | n/a |
6.000%
|
120 monthly payments of $11.10 |
Max Combined Loan-to-Value | Max Term | Index | Margin | Max Annual Percentage Rate | Annual Percentage Rate | Monthly Payments per $1,000 |
---|---|---|---|---|---|---|
80% | 5 Years | Fixed | n/a | n/a | 6.000% | 60 monthly payments of $19.33 |
80% | 10 Years | Fixed | n/a | n/a | 6.125% | 120 monthly payments of $11.16 |
80% | 15 Years | Fixed | n/a | n/a | 6.250% | 180 payments of $8.57 |
80% | 20 Years | Fixed | n/a | n/a | 6.500% | 240 payments of $7.46 |
Max Combined Loan-to-Value | Max Term | Index | Margin | Max Annual Percentage Rate | Annual Percentage Rate | Monthly Payments per $1,000 |
---|---|---|---|---|---|---|
80% | 5 Years | Fixed | n/a | n/a | 6.500% | 60 monthly payments of $19.57 |
80% | 10 Years | Fixed | n/a | n/a | 6.625% | 120 monthly payments of $11.42 |
80% | 15 Years | Fixed | n/a | n/a | 6.750% | 180 payments of $8.85 |
80% | 20 Years | Fixed | n/a | n/a | 7.000% | 240 payments of $7.75 |
**Loan amounts over $250,000.00 will require full title, title insurance and a municipal lien certificate.

Residential Lending Rates
Purchase Special
Product Description | Rate | Maximum Term | Margin | Discount Points | Annual Percentage Rate (APR) | Payments Per $1,000 | Monthly Payments | Payments Per $1,000 (Fully Indexed) |
---|---|---|---|---|---|---|---|---|
10/1 Adjustable Rate Mortgage* | 4.990 % | 30 Years | 3.000 % | 0 | 6.174 % | $5.36 | 360 | $6.97 |
* Rates Subject to Increase After Consummation. Rates and Payments subject to adjust after the First 10 Years and Annually thereafter. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, other factors and may be different than the rates posted. Certain adjustable rate loans may require that First Time Home Buyers attend a Home Buyer's Counseling Program and sign an OPT in form for certain adjustable rate products. Adjustable Rate Lifetime Caps Apply. Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Rates are effective as of the date of this post. Please call our mortgage professionals for more information.
Purchase Special: Purchase for 1-4 Family Owner Occupied Properties
Product Description | Rate | Maximum Term | Discount Points | Annual Percentage Rate | Monthly Payments | Payments Per $1,000 |
---|---|---|---|---|---|---|
30-Year Fixed | 6.625% | 30 Years | 0 | 6.700% | 360 | $6.40 |
30-Year Fixed Bi-Weekly * | 6.625% | 30 Years | 0 | 6.679% | 360 | $3.20 |
Offer good on purchases of owner occupied 1-4 family properties. Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Rates are effective as of the date of this post. Please call our mortgage professionals for more information. *Automatic loan payment required from a GSB checking account for Bi-weekly mortgages.
Fixed Rate Products for 1-4 Family Owner Occupied Properties
Product Description | Rate | Maximum Term | Discount Points | Annual Percentage Rate | Monthly Payments | Payments Per $1,000 |
---|---|---|---|---|---|---|
30-Year Fixed | 6.625% | 30 Years | 2 | 6.899% | 360 | $6.40 |
6.750% | 30 Years | 1 | 6.925% | 360 | $6.49 | |
6.875% | 30 Years | 0 | 6.952% | 360 | $6.57 | |
20-Year Fixed | 6.375% | 20 Years | 2 | 6.729% | 240 | $7.38 |
6.500%
|
20 Years | 1 | 6.726% | 240 | $7.46 | |
6.625% | 20 Years | 0 | 6.723% | 240 | $7.53 | |
15-Year Fixed | 6.000% | 15 Years | 2 | 6.437% | 180 | $8.44 |
6.125% | 15 Years | 1 | 6.402% | 180 | $8.51 | |
6.250% | 15 Years | 0 | 6.369% | 180 | $8.57 | |
10-Year Fixed | 6.000% | 10 Years | 0 | 6.164% | 120 | $11.10 |
Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Rates are effective as of the date of this post. Rates may be subject to change without notice. Please call our mortgage professionals for more information.
Fixed Rate Bi-Weekly Products for 1-4 Family Owner Occupied Properties*
Product Description | Rate | Maximum Term | Discount Points | Annual Percentage Rate (APR) | Monthly Payments | Payments Per $1,000 |
---|---|---|---|---|---|---|
30-Year Bi-Weekly | 6.625% | 30 Years | 2 | 6.903% | 360 | $3.20 |
6.750% | 30 Years | 1 | 6.917% | 360 | $3.24 | |
6.875% | 30 Years | 0 | 6.930% | 360 | $3.28 | |
20-Year Bi-Weekly | 6.375% | 20 Years | 2 | 6.729% | 240 | $3.69 |
6.500% | 20 Years | 1 | 6.712% | 240 | $3.73 | |
6.625% | 20 Years | 0 | 6.694% | 240 | $3.76 | |
15-Year Bi-Weekly | 6.000% | 15 Years | 2 | 6.435% | 180 | $4.22 |
6.125% | 15 Years | 1 | 6.384% | 180 | $4.25 | |
6.250% | 15 Years | 0 | 6.335% | 180 | $4.29 | |
10-Year Bi-Weekly | 6.000% | 10 Years | 0 | 6.118% | 120 | $5.55 |
*Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account. Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Rates are effective as of the date of this post. Rates may be subject to change without notice. Please call our mortgage professionals for more information.
Adjustable Rates for 1-4 Family Owner Occupied Properties
Product Description | Rate | Maximum Term | Margin | Discount Points | Annual Percentage Rate (APR) | Payments Per $1,000 |
Monthly Payments
|
Payments Per $1,000
(Fully Indexed)
|
---|---|---|---|---|---|---|---|---|
5/1 Adjustable Rate Mortgage* | 5.375% | 30 Years | 2.750% | 0 | 7.036% | $5.60 | 360 | $7.19 |
7/1 Adjustable Rate Mortgage* | 5.500% | 30 Years | 2.875% | 0 | 6.849% | $5.68 | 360 | $7.20 |
10/1 Adjustable Rate Mortgage* | 5.625% | 30 Years | 3.000% | 0 | 6.596% | $5.76 | 360 | $7.13 |
15/1 Adjustable Rate Mortgage* | 5.875 % | 30 Years | 3.000 % | 0 | 6.368 % | $5.92 | 360 | $6.92 |
Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Rates are effective as of the date of this post. Rates may be subject to change without notice. Please call our mortgage professionals for more information.
*Rates subject to increase after consummation. ARM Caps 2% per adjustment / 5% lifetime. Rates and payments subject to adjust after the first 5/7/10/15 years and annually thereafter. Certain adjustable rate loans may require that new borrowers attend a Home Buyer's Counseling Program and sign an OPT in form for certain adjustable rate products. Please see a mortgage professional at Greenfield Savings Bank for more details.
Fixed Rate Land Loans*
Product Description | Rate | Maximum Term | Discount Points | Annual Percentage Rate | Monthly Payments | Payments Per $1,000 |
---|---|---|---|---|---|---|
15-Year Fixed Rate | 6.625% | 15 Years | 0 | 6.742% | 180 | $8.78 |
Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Rates are effective as of the date of this post. Rates may be subject to change without notice. Please call our mortgage professionals for more information.

Residential Lending Rates
Mass Housing Partnership
60 Day Rate Lock
Product Description | Minimum Down Payment | Rate | Maximum Term | Points | Annual Percentage Rate (APR) | Monthly Payments | Payments Per $1,000 |
---|---|---|---|---|---|---|---|
Mass Housing Partnership - First Time Homebuyer Program *
|
3% | 6.875% | 30 Years | 0 | 6.952% | 360 | $6.57 |
Mass Housing Products
Product Description | Minimum Down Payment | Rate | Maximum Term | Points | Annual Percentage Rate (APR) | Monthly Payments | Payments Per $1,000 |
---|---|---|---|---|---|---|---|
Mass Housing Mortgage: First Time Homebuyer
|
3% | 7.750% | 30 Years | 0 | 7.854% | 360 | $7.16 |
Mass Housing Mortgage: First Time Homebuyer with Down Payment Assistance |
0% | 7.750% | 30 Years | 0 | 7.854% | 360 | $7.16 |
Please contact a mortgage officer for more information.
Mass Save® Heat Loans |
---|
Greenfield Savings Bank has joined The Mass Save® HEAT Loan Program to offer qualified customers the opportunity to apply for an interest free loan for installing energy efficient heating Improvements in their homes for up to $25,000
To qualify you must have: * A completed Mass Save® Energy Assessment
* A contractor proposal and associated documents for eligibility * A Mass Save® HEAT Loan Authorization Form To learn more about Mass Save® HEAT Loans, visit their website at masssave.com or give us a call at 413-775-8200. You may also call (866) 527-7283 to schedule a free home energy assessment through Mass Save® in order to access this incentive
Some restrictions apply and offers are subject to change or cancellation. Visit MassSave.com/HEATLoan for full details |
