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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
† Suggested minimum deposit to open.
*Daily balance - the amount of principal in the account each day. 
**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%
 
Minimum Loan Amount $25,000.00
Rates Subject to Increase After Consummation.
*WSJ / Wall Street Journal Prime.
***Interest Rate Fixed for the first year then floating with WSJ prime.
Making minimum required payments will result in a balloon balance falling due at loan maturity.
No closing costs with automatic loan payment from a Greenfield Savings Bank
checking account on loans up to $250,000**
Closing costs range between $811.00-$1,117.00.
Early termination fee applies.


Equity Loans

Terms and Interest Rates for a Greenfield Savings Bank first mortgage only
Maximum loan amount $100,000.00
 
 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
Terms and Interest Rates for a Greenfield Savings Bank first mortgage or
second mortgage behind a Greenfield Savings Bank first mortgage.
 
 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
Terms and Interest Rates for a second mortgage
behind a NON Greenfield Savings Bank first mortgage.
 
 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
Minimum Loan Amount $25,000.00
No closing costs with automatic loan payment from a Greenfield Savings Bank
checking account on loans up to $250,000**
Closing costs range between $811.00 - $1,117.00

Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater.
**Loan amounts over $250,000.00 will require full title, title insurance and a municipal lien certificate.
Closing costs vary depending on loan amount.
For example, closing costs on an estimated loan amount of $275,000.00 range from $1,957.00 - $2,263.00.
A Lender credit will be applied ranging between $811.00 - $1,117.00 with automatic loan payments from Greenfield Savings Bank checking account
All Loans Subject to Credit Approval.
THE BANK RESERVES THE RIGHT TO CHANGE THE RATE AND TERMS OF MORTGAGE PROGRAMS WITHOUT NOTICE.
Loan Origination Company Identifier #409187
Equal Housing Opportunity logo.


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.

The Adjustable Rate Indices Used Are: 1 Year Treasury constant maturity weekly average for a 1 Year Review-Index: 5.430 %

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.

The Adjustable Rate Indices Used Are: 1 Year Treasury constant maturity weekly average for a 1 Year Review-Index: 5.430%

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
*Buildable Lot with Satisfactory Perc Test or Town Water/Sewer.
 

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.

 
Loan Origination Company Identifier #409187
Equal Housing Opportunity logo.


Residential Lending Rates

Mass Housing Partnership 

Subject to Mass Housing Partnership Guidelines
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
* Available only to Mass Housing Partnership-eligible borrowers. Eligibility subject to income limits. Rates shown are for owner-occupied, primary residence purchases, and are subject to change at any time. Rates and monthly payment per $1,000 borrowed assume a FICO score of 660; a 3.0% down payment; a loan amount of $250,000; and include principal and interest only. Monthly payment does not include taxes, insurance, and, if applicable, estimated homeowners' association dues. Your actual payment will be greater. Completion of a homebuyer education course will be required. All loans subject to credit approval.

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
Available only to MassHousing-eligible borrowers. Eligibility subject to income limits and loan limits. Rates shown are for single-family & condominium, owner-occupied, primary residence purchases, and are subject to change at any time. Rates for refinances may be different. Rates and monthly payment per $1,000 borrowed assume a FICO score of 680; a 3.0% down payment; a loan amount of $250,000; and include principal and interest only. Monthly payment does not include taxes, insurance, and, if applicable, estimated mortgage insurance or homeowners' association dues. Your actual payment will be greater. MassHousing maximum loan amount is $726,200. MassHousing loans require mortgage insurance and 3.0% minimum down payment and escrow for Real Estate Taxes and Insurance maybe required. Completion of a homebuyer education course may be required. All loans subject to credit approval. Additional products, rates and terms are available. Non-first-time homebuyer rate also available upon request.

Homeowner Septic Repair, Home Improvement and Get The Lead Out loan programs also available.
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

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. Rates are effective as of the date of this post. Rates may be subject to change without notice. Please contact a Mortgage Officer for more information.
 Loan Origination Company Identifier #409187
Equal Housing Opportunity logo.