Loan Rates

All rates and products subject to change without notice.

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First Time Home Buyer

First Time Home Buyer Co-op 30 Year Fixed Special

Rates Effective: 5/23/2025

97% Maximum LTV on Single-Family Owner-Occupied Purchase Only**

95% Maximum LTV on Two-Family Owner-Occupied Purchase Only**

Rates for First Time Home Buyer Co-op 30 Year Fixed Special
ProductTermMonthsPointsRateAPRPayment Per $1,000*
FTHB Co-op Achieve 30 Yr Fixed3036006.500%6.607%$6.32
FTHB Co-op Attain 30 Yr Fixed3036006.625%6.733%$6.40

Annual Percentage Rate (APR) is based on 20% down payment. Your APR may be different. Private Mortgage Insurance (PMI) is required on loans with less than 20% down payment. Minimum loan $100,000. Homeowners insurance and flood insurance (if applicable) is required. Must comply with all investor guidelines. Income Limits may apply. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater. ** 30 year maximum term. ††This product is for First Time Home Buyers only. Borrowers must complete First Time Home Buyer Education. The bank will credit up to $75 for the cost of the course to borrowers at closing. See us for additional program details.

First Time Home Buyer Co-op 10-1 Adjustable Rate Special

Rates Effective: 5/23/2025

95% Maximum LTV on Single or Two-Family Owner-Occupied Purchase Only**

Rates for First Time Home Buyer Co-op 10-1 Adjustable Rate Mortgage Special
ProductPointsCapsRateAPRMarginPayment Per $1,000*Payment Per $1,000 Fully Indexed*
FTHB Co-op Achieve 10-1 ARM02/65.375%6.080%3.000%$5.60$6.74
FTHB Co-op Attain 10-1 ARM02/65.500%6.160%3.000%$5.68$6.74

Annual Percentage Rate (APR) is based on 20% down payment. Your APR may be different. Adjustable Rate Mortgage (ARM), the APR may increase after consummation. Private Mortgage Insurance (PMI) is required on loans with less than 20% down payment. Minimum loan $100,000. Homeowners insurance and flood insurance (if applicable) is required. Must comply with all investor guidelines. Income Limits may apply. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater. ** 30 year maximum term. ††This product is for First Time Home Buyers only. Borrowers must complete First Time Home Buyer Education. The bank will credit up to $75 for the cost of the course to borrowers at closing. See us for additional program details.

Homegrown Heroes

Homegrown Heroes

Rates Effective: 5/23/2025

A mortgage product specifically for heroes rooted in our community!

Borrowers must be employed in/with law enforcement, firefighting, nursing, EMS, school department, or military (active or honorably discharged).

97% Maximum LTV on Single-Family Owner-Occupied Purchase Only**

95% Maximum LTV on Two-Family Owner-Occupied Purchase Only**

Rates for the Homegrown Heroes Mortgage Loan Products
ProductPointsCapsRateAPRMarginPayment Per $1,000*Payment Per $1,000 Fully Indexed*
Homegrown Heroes 30 Year Fixed^0N/A6.625%6.733%N/A$6.40N/A
Homegrown Heroes 10-1 ARM^02/65.500%6.160%3.000%$5.68$6.74

Annual Percentage Rate (APR) is based on 20% down payment. Your APR may be different. Adjustable Rate Mortgage (ARM), the APR may increase after consummation. Private Mortgage Insurance (PMI) is required on loans with less than 20% down payment. Minimum loan $100,000. Homeowners insurance and flood insurance (if applicable) is required. Condominiums must be Fannie Mae approved. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater. **30 year maximum term. ^Borrowers must complete First Time Home Buyer Education (if applicable). The bank will credit up to $75 for the cost of the course to borrowers at closing. See us for additional program details.

Mortgage Rates

Fixed Mortgage Rates

Rates Effective: 5/23/2025

  • 5% Minimum Down Payment Required for 1 Family Owner Occupied
  • 15% Minimum Down Payment required on 2 Family Owner Occupied
  • 25% Minimum Down Payment Required for 3‐4 Family Owner Occupied
  • Purchase or Refinance

Maximum Loan Amount: 1 Family: $806,500|  2 Family: $1,032,650|  3 Family: $1,248,150|  4 Family: $1,551,250

Jumbo Loans: For loan amounts greater than above, add 0.25% to the published rate

Fixed Rate Mortgages Rates
TermMonthsPointsRateAPRPayment Per $1,000*
3036026.500%6.805%$6.32
3036016.625%6.832%$6.40
3036006.750%6.859%$6.49
2024026.125%6.515%$7.24
2024016.250%6.513%$7.31
2024006.375%6.477%$7.38
1518026.000%6.487%$8.44
1518016.125%6.452%$8.51
1518006.250%6.418%$8.57
1012006.000%6.234%$11.10

Annual Percentage Rate (APR) is based on 20% down payment and a credit score > 740. Your APR, rate, and down payment may be different than shown above. Rates are specific to each transaction and may increase based on credit score, loan to value (LTV), property type and other factors. Fixed rate loans may be sold on the secondary market and must comply with all investor guidelines. Private Mortgage Insurance (PMI) is required on loans with less than 20% down payment. Minimum loan $100,000. Homeowners insurance and flood insurance (if applicable) is required. Condominiums must be Fannie Mae approved. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater. †This product is for new home purchases only.

Adjustable Mortgage Rates

  • 5% Minimum Down Payment Required for 1 Family Owner Occupied
  • 15% Minimum Down payment required on 2 Family Owner Occupied
  • 25% Minimum Down Payment Required for 3‐4 Family Owner Occupied
  • Purchase or Refinance**

Current Index Value – One Year Weekly US Constant Maturity Treasury: 4.12

Adjustable Rate Mortgage Rates
ProductPointsCapsRateAPRMarginPayment Per $1,000*Payment Per $1,000 Fully Indexed*
5‐1 ARM02/65.625%6.627%3.000%$5.76$6.74
7‐1 ARM02/65.875%6.579%3.000%$5.92$6.74
10‐1 ARM†02/65.625%6.238%3.000%$5.76$6.74
10‐1 ARM02/66.000%6.476%3.000%$6.00$6.74

Annual Percentage Rate (APR) is based on 20% down payment. Your APR may be different. Adjustable Rate Mortgage (ARM), the APR may increase after consummation. Private Mortgage Insurance (PMI) is required on loans with less than 20% down payment. Minimum loan $100,000. Homeowners insurance and flood insurance (if applicable) is required. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater. See us for additional program details. †This product is for new home purchases only. **30 year maximum term.

Construction Loan Rates

Rates Effective: 5/23/2025

  • 30 Year Maximum Term
  • 20% Minimum Down Payment Required
  • Single Family Owner Occupied
Rates for a Construction Loan
ProductPointsCapsRateAPR*MarginPayment Per $1,000*Payment Per $1,000 Fully Indexed*
30 Year Fixed0N/A6.750%6.875%N/A$6.49N/A
5‐1 ARM02/65.625%6.607%3.000%$5.76$6.74
7‐1 ARM02/65.875%6.571%3.000%$5.92$6.74
10‐1 ARM02/65.625%6.235%3.000%$5.76$6.74

*Annual Percentage Rate (APR) is based on 20% down payment. Minimum loan $100,000. Your APR may be different. Adjustable Rate Mortgage (ARM), the APR may increase after consummation. Homeowners insurance and flood insurance (if applicable) is required. Licensed general contractor is required. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater.

Land Loan Rate

Rates Effective: 5/23/2025

  • 30% Minimum Down Payment Required / 70% Maximum LTV
  • 15 Year Maximum Term
Rates for a Land Loan
ProductPointsCapsRateAPRMarginPayment Per $1,000*Payment Per $1,000 Fully Indexed*
Fixed0N/A7.000%7.171%N/A$8.99N/A

Annual Percentage Rate (APR) is based on 30% down payment. Minimum loan $50,000. Your APR may be different. On improved land ‐ town road frontage with electric facilities. Flood insurance (if applicable) is required. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater.

Home Equity Rates

Home Equity Loan – With Automatic Payments from a GCB/NCB Checking or Statement Savings Account

Rates Effective: 5/23/2025

  • 1‐2 Family Owner Occupied
  • $25,000 Minimum Loan Amount / $400,000 Maximum Loan Amount***

 

Home Equity Loan With Automatic Payments Rates
TermRateAPR*Payment Per $1,000**
5 Years6.500%6.500%$19.57
10 Years6.750%6.750%$11.48
15 Years6.875%6.875%$8.92
20 Years7.125%7.125%$7.83

*Annual Percentage Rate. No Application Fee, No Closing Costs. Bank will used tax assessed value (from most recent property tax bill) and will lend up to 70% LTV (combined 1st & 2nd Mortgage). Maximum Loan to Value 80% (combined 1st and 2nd Mortgage) with Appraisal (Appraisal Fee: $500 or $650, if applicable). **Payments do not include real estate taxes or insurance. Your payment obligation will be greater. Homeowners insurance and flood insurance (if applicable) is required. Reimbursement of third party charges is required if the loan is paid off within the first twelve (12) months. The amount will be the lesser of $370 or three (3) months of interest of the outstanding principal balance at the time of payoff. ***Loans/lines over $250,000 will be required to have an appraisal and have title insurance.

Home Equity Rates – Without Automatic Payments

  • 1‐2 Family Owner Occupied
  • $25,000 Minimum Loan Amount / $400,000 Maximum Loan Amount***
Rates for Home Equity Loans Without Automatic Payments
TermRateAPR*Payment Per $1,000**
5 Years6.750%6.750%$19.68
10 Years7.000%7.000%$11.61
15 Years7.125%7.125%$9.06
20 Years7.375%7.375%$7.98

*Annual Percentage Rate. No Application Fee, No Closing Costs. Bank will used tax assessed value (from most recent property tax bill) and will lend up to 70% LTV (combined 1st & 2nd Mortgage). Maximum Loan to Value 80% (combined 1st and 2nd Mortgage) with Appraisal (Appraisal Fee: $500 or $650, if applicable). *Payments do not include real estate taxes or insurance. Your payment obligation will be greater. Homeowners insurance and flood insurance (if applicable) is required. Reimbursement of third party charges is required if the loan is paid off within the first twelve (12) months. The amount will be the lesser of $370 or three (3) months of interest of the outstanding principal balance at the time of payoff. ***Loans/lines over $250,000 will be required to have an appraisal and have title insurance.

Home Equity Line of Credit (HELOC) Rates

  • 1‐2 Family Owner Occupied
  • 10 Year Draw Period / 15 Year Amortized Repayment Period
  • $25,000 Minimum Loan Amount / $400,000 Maximum Loan Amount**

Introductory Rate of 5.95% APR FIXED for 1 year* (Current Prime Rate is 7.50%)

No Application Fee, No Closing Costs. Bank will use tax assessed value (from most recent property tax bill) and will lend up to 70% LTV (combined 1st & 2nd Mortgage). Maximum Loan to Value 80% (combined 1st and 2nd Mortgage) with Appraisal (Appraisal Fee: $500 or $650, if applicable).

*After the one year introductory period, the annual percentage rate (APR) will be Prime + 0% and will vary monthly based upon the Wall Street Journal Prime Rate. Maximum rate is 18%.

**Loans/lines over $250,000 will be required to have an appraisal and have title insurance.

Payments do not include real estate taxes or insurance. Your payment obligation will be greater. Homeowners insurance and flood insurance (if applicable) is required. Early Cancellation Fee of the lesser of $500 or 2% of the credit limit will be assessed if loan is paid off within the first 24 months.

Consumer Loan Rates

Auto Loan Rates

Rates Effective: 5/23/2025

  • $5,000 Minimum Loan Amount
Rates for an Auto Loan
Vehicle TypeMaximum Loan to Value (LTV)TermAPR*Payment Per $1,000***
New Car90%**3 Years7.75%$31.22
New Car90%**4 Years8.00%$24.41
New Car90%**5 Years8.25%$20.40
New Car90%**6 Years8.50%$17.78
Used Car (2024‐2023)80%**4 Years9.25%$25.00
Used Car (2022‐2020)75%**3 Years9.75%$32.15

$5,000 Minimum Loan Amount. We will take 0.25% off the listed rates above with automatic payment withdrawal from your GCB/NCB checking or statement savings account. *Annual Percentage Rate. ** Maximum LTV = Percentage (%) of NADA Book Value (appraised value) or Sales Price, whichever is lower. ***Payments do not include insurance. Auto insurance is required.

Mass Save Loans

Rates Effective: 5/23/2025

Mass Save Loan Rates
ProductLoan AmountsMax TermAPR***Sample Payments**
Micro$500 ‐ $2,0002 Years0.00%$20.83 ‐ $83.33
Standard$2,001 ‐ $15,0007 Years****0.00%$23.82 ‐ $178.58
Extended$15,001 ‐ $25,000*7 Years****0.00%$178.58 ‐ $297.62

To apply, customer must own a 1‐4 Family residence and obtain a Mass Save Home Energy Assessment. Call 866‐527‐7283 to schedule yours. No Application Fee, No Closing Costs. *Appraisal Fee: $500 or $650 (if applicable) **Payments do not include real estate taxes or insurance. Your payment obligation will be greater. Homeowners insurance and flood insurance (if applicable) is required. ***Annual Percentage Rate.

****Loan term is determined by State Median Income (SMI) brackets as required by Mass Save.

80-135% of SMI allows a 7 year term

135-300% of SMI allows a 5 year term

>300% of SMI allows a 3 year term

Savings Secured Loans

Rates Effective: 5/23/2025

Savings Secured Loan Rates
Minimum Loan AmountMaximum Loan AmountAnnual Percentage RateTerms
$50095% of the statement savings account’s current balanceThe current interest rate on the statement savings account plus 2.00% (minimum interest rate of 5.00%)1, 2, or 3 years of amortizing payments

Savings secured loans are secured by funds held in a GCB statement savings deposit account. This product allows customers to borrow against their hard‐earned savings while establishing or rebuilding credit at the same time. The statement savings deposit account will continue to earn interest even as it is pledged as collateral for the loan.

Ready to Apply?

Please visit a branch to apply for for an auto loan, savings secured or overdraft line of credit.