Our Current Rates
Conventional Mortgages
| Mortgage Program | Terms in Years | Points | Interest Rate | APR* | $ Per $1000 | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 30 | 2 | 6.250% | 6.487% | $6.16 | |
| 30 Year Fixed | 30 | 1 | 6.500% | 6.641% | $6.32 | |
| 30 Year Fixed | 30 | 0 | 6.875% | 6.919% | $6.57 | |
| 30 Year Fixed - Portfolio | 30 | 0 | 6.750% | 6.794% | $6.49 | |
| 20 Year Fixed | 20 | 2 | 5.875% | 6.183% | $7.09 | |
| 20 Year Fixed | 20 | 1 | 6.125% | 6.308% | $7.24 | |
| 20 Year Fixed | 20 | 0 | 6.500% | 6.557% | $7.46 | |
| 15 Year Fixed | 15 | 2 | 5.500% | 5.884% | $8.17 | |
| 15 Year Fixed | 15 | 1 | 5.875% | 6.103% | $8.37 | |
| 15 Year Fixed | 15 | 0 | 6.250% | 6.321% | $8.57 | |
| 10 Year Fixed | 10 | 2 | 5.375% | 5.920% | $10.79 | |
| 10 Year Fixed | 10 | 1 | 5.625% | 5.947% | $10.91 | |
| 10 Year Fixed | 10 | 0 | 6.125% | 6.225% | $11.16 |
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*Annual Percentage Rate (APR) as of 11/20/24, and is subject to change without notice. APR assumes a $300,000 single-family, owner-occupied purchase or refinance with the following characteristics: 20% equity, a minimum 760 credit score, and a 40 day closing. Payment amounts shown do not include real estate taxes and insurance premiums. For investment properties and 2nd homes, add 0.50% to the Interest rate. Subject to credit approval. Rates can change at any time.
Jumbo Mortgages
| Mortgage Program | Terms in Years | Points | Interest Rate | APR* | $ Per $1000 |
|---|---|---|---|---|---|
| Jumbo Loan Rate - Fixed | 30 | 0 | 7.250% | 7.295% | $6.82 |
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*Annual Percentage Rate (APR) is subject to change without notice. The APR assumes a single-family, owner-occupied purchase or refinance with 20% equity and a loan amount of $766,551. The payment amounts shown do not include real estate taxes and homeowner’s insurance premiums. Subject to credit approval. Interest rates can change at any time. Any loan request over $1,000,000 will be considered and priced on a case by case basis.
Home Equity Loans
| Loan Type | Points | Interest Rate | APR* | P&I Pmt Per $1000 |
|---|---|---|---|---|
| 5 Years | 0 | 6.750% | 6.750% | $19.68 |
| 10 Years | 0 | 7.000% | 7.000% | $11.61 |
| 12 Years | 0 | 7.000% | 7.000% | $10.28 |
| 15 Years | 0 | 7.125% | 7.125% | $9.06 |
| 20 Years | 0 | 7.375% | 7.375% | $7.98 |
| 20 Year 5/1 ARM | 0 | 6.750% | **6.750% | $7.60 |
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*Disclosure applicable to all Home Equity Loans: Products are available for owner-occupied 1-4 family residential properties. Minimum loan amount is $10,000 and maximum loan amount is $250,000.00. Annual Percentage Rate (APR) is .25% higher without autopay from a Charles River Bank deposit account. Homeowners' insurance is required and flood insurance may be required. First liens: If the Bank takes a first lien, payments will not include taxes and insurance, so your actual payment obligation will be greater. If the property is in trust, the Bank will charge you up to $200.00 for our Attorney's review of your trust prior to closing, and you may be required to pay a recording fee at closing, generally $106.00, to the Registry of Deeds for the recording of the Trustee Certificate.
**The Annual Percentage Rate (APR) may increase during the life of the loan. At the time of an interest rate change, the new interest rate will be determined by adding the Index (1 Year Treasury rate) at the time to the Margin (2.75%), rounded to the nearest one-eighth percentage point. Each interest rate adjustment is limited to 2% from the current interest rate, with a total adjustment over the life of the loan of 6% from the original Loan Note rate. Subject to credit approval. Interest rates can change at any time.
Home Equity Line of Credit
| Product | Term | Interest Rate | APR* | Floor |
|---|---|---|---|---|
| 10 Year Draw followed by a 10 Year Repayment Period : WSJP -0.50% | 20 Years | 7.500% | 7.500% | No Floor Rate |
| 10 Year Draw followed by a 10 Year Repayment Period : WSJP -1.00% | 20 Years | 7.000% | 7.000% | Floor Rate of 3.000% |
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Home Equity Line of Credit:
* Disclosure applicable to all Home Equity Lines of Credit: Products are available for owner-occupied 1-4 family residential properties. Minimum monthly payment: Interest Only. Annual percentage rate (APR) cannot exceed 18%. Minimum line is $10,000 and maximum line is $250,000.00. Homeowners' insurance is required and flood insurance may be required. First liens: If the Bank takes a first lien, payments will not include taxes and insurance, so your actual payment obligation will be greater. If the property is in trust, the Bank will charge you up to $200.00 for our Attorney's review of your trust prior to closing, and you may be required to pay a recording fee at closing, generally $106, to the Registry of Deeds for the recording of the Trustee Certificate. Rates may increase after consummation on the variable rate products.