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Deposit 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 0.03% 0.03% $1 $1

0.12% 0.12%
 $1,500
Money Market** 0.03% 0.03% $1,000 $10

0.12% 0.12%
$1,000

Savings


 Account Interest Rate APY Minimum Deposit to Open Minimum Balance to Obtain APY*
Totally Free Savings** 
0.05% 0.05% $10  $10



Certificates of Deposit 

 Account Interest Rate APY Minimum Deposit to Open Minimum Balance to Obtain APY*
91 Day                          0.10% 0.10% $1,000 $10
6 Month 0.20% 0.20% $1,000 $10
6 Month Flex 0.20% 0.20% $1,000 $10
12 Month 0.40% 0.40% $1,000 $10
18 Month 0.75% 0.75% $1,000 $10
24 Month 0.85% 0.85% $1,000 $10
30 Month 0.95% 0.95% $1,000 $10
36 Month 1.09% 1.10% $1,000 $10
48 Month 1.29% 1.30% $1,000 $10
60 Month 1.88% 1.90%  $1,000 $10

Individual Retirement Accounts 

Account Type Interest Rate APY Minimum Deposit To Open  Minimum Balance to Obtain APY*
Totally Free Savings**  0.10% 0.10% $10 $10
6 Month 0.20% 0.20% $1,000 $10
12 Month 0.40% 0.40% $500 $10
18 Month 0.75% 0.75%  $1,000 $10
18 Month Variable** 1.66% 1.67% $10 $10
24 Month 0.85% 0.85%  $1,000 $10
30 Month 0.95% 0.95%  $1,000 $10
36 Month  1.09% 1.10% $1,000 $10
48 Month  1.29% 1.30% $1,000 $10
60 Month  1.88%  1.90% $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.
Consumer Loan Rates

Equity Credit Lines

  Max Combined Loan-to-Value  Max Term  Index  Margin  Min Annual Percentage Rate/Floor Max Annual Percentage Rate Annual Percentage Rate
80% 15 Years Prime* 0% 0.00% 15% 2.250%***
Fully Indexed Annual Percentage Rates is………5.000%
***Interest Rate Fixed for the first year then floating with WSJ prime.
 
Minimum Loan Amount $25,000.00
Rates Subject to Increase After Consummation
*WSJ / Wall Street Journal Prime; Monthly Variable Index.........5.000%
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

 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 3.000% 60 monthly payments of $17.97
80% 10 Years Fixed n/a n/a 3.750%  120 monthly payments of $10.01
80% 15 Years Fixed n/a n/a 3.990% 180 payments of $7.39
80% 20 Years Fixed n/a n/a 4.250% 240 payments of $6.19
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

Residential Lending Rates

Fixed Rate Bi-Weekly Products for 1-4 Family Owner Occupied Properties

Product Description Rate Maximum Term
Discount Points Annual Percentage Rate (APR) Payments Per $1,000
25-Year Bi-Weekly 4.375% 25 Years
2 4.682% $2.74

4.50% 25 Years
1 4.697% $2.78

4.625% 25 Years
0 4.713% $2.81







20-Year Bi-Weekly 3.750% 20 Years
2 4.106% $2.96

3.875% 20 Years
1 4.103% $3.00

3.990% 20 Years
0 4.091% $3.03







15-Year Bi-Weekly  3.250% 15 Years
2 3.699% $3.51

3.375% 15 Years
1 3.662% $3.54

3.500% 15 Years
0 3.627% $3.57







10-Year BiWeekly 3.250% 10 Years
0 3.433% $4.89
Payments do not include Real Estate Taxes & Insurance.  The actual payment obligation may be greater.
Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account.
Your rate may be subject to increase based on credit, loan to value, property type, and appraisal review.

Fixed Rate Products for 1-4 Family Owner Occupied Properties

Product Description Rate Maximum Term
Discount Points Annual Percentage Rate Payments Per $1,000
30-Year Fixed 4.375% 30 Years
2 4.633% $4.99

4.500% 30 Years
1 4.672% $5.07

4.625% 30 Years
0 4.711% $5.14







20-Year Fixed 3.875% 20 Years
2 4.221% $5.99

4.000%
20 Years
1 4.229% $6.06

4.125% 20 Years
0 4.238% $6.13







15-Year Fixed 3.375% 15 Years
2 3.811% $7.09

3.500% 15 Years
1 3.787% $7.15

3.625% 15 Years
0 3.765% $7.21
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, and appraisal review.

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 call 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
Payments Per $1,000
(Fully Indexed)
5/1 Adjustable Rate Mortgage* 3.250% 30 Years 2.750% 0 4.521% $4.35 $5.29
7/1 Adjustable Rate Mortgage* 3.500% 30 Years 2.875% 0 4.491% $4.49  $5.31
10/1 Adjustable Rate Mortgage*  3.625% 30 Years 3.500% 0  4.538% $4.56 $5.52

Payments do not include Real Estate Taxes & Insurance.  The actual payment obligation may be greater.
ARM Lifetime Caps 2% per adjustment cap / 5% lifetime cap.
Your rate may be subject to increase based on credit, loan to value, property type, and appraisal review.
*Rates subject to increase after consummation
Rates and payments subject to adjust after the first 5/7/10 years and annually thereafter.
 

Fixed Rate Land Loans**


Product Description Rate Maximum Term
Discount Points Annual Percentage Rate Payments Per $1,000
15-Year Fixed Rate 5.500% 15 Years
0 5.639% $8.17
**Buildable Lot with Satisfactory Perc Test or Town Water/Sewer.

The Adjustable Rate Indices Used Are:
1 Year Treasury constant maturity weekly average for a 1 Year Review-Index: 2.420%

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.
Loan Origination Company Identifier #409187
Equal Housing Opportunity logo.
Mass Housing Rates

Residential Lending Rates

Mass Housing Products


Product Description Minimum Down Payment Rate Maximum Term Points Annual Percentage Rate (APR) Payments Per $1,000
Mass Housing Mortgage
(45-day rate lock)
3% 4.875% 30 Years 0 4.999% $5.29
Mass Housing 100 0% 5.000% 30 Years 0 5.126% $5.37
Mass Housing Mortgage: No Mortgage Insurance
(45-day rate lock)
3% 5.500% 30 Years 0 5.631% $5.68
Mass Housing Mortgage:
Operation Welcome Home
0% 4.750% 30 years 0 4.873% $5.22
Homeowner Septic Repair, Home Improvement, and Get the Lead Out loan programs also available. Please contact one of our mortgage lending professionals today for more information. Call now!

Maximum Income and Loan Limits apply.
Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Subject to Mass Housing Mortgage Guidelines.

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 call a branch for more information.
 Loan Origination Company Identifier #409187
Equal Housing Opportunity logo.