Loan Rates

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 $50,000. 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.

*Annual Percentage Rate (APR) is based on 20% down payment and a credit score > 740. Your APR and rate may be different than shown above. Rates are specific to each transaction and may increase based on credit score, loan to value (LTV) and other factors. Loans in this product must comply with all investor guidelines and be eligible for sale on the secondary market. Private Mortgage Insurance (PMI) is required on loans with less than 20% down payment. Homeowners insurance and flood insurance (if applicable) is required. Borrowers must complete Fannie Mae’s Framework Homeownership online education course. The bank will credit the $75 cost of the course to borrowers at closing. See us for additional program details. **Payments do not include real estate taxes or insurance. Your payment obligation will be greater.

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 $50,000. Homeowners insurance and flood insurance (if applicable) is required. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater. †This product is for new home purchases only. **30 year maximum term.

*Annual Percentage Rate (APR) is based on 20% down payment. Minimum loan $50,000. 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.

Annual Percentage Rate (APR) is based on 30% down payment. Minimum loan $50,000. Your APR may be different. Adjustable Rate Mortgage (ARM), the APR may increase after consummation. 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.

*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.

*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.

$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.

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.

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.