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Loan Rates

Rates as of Monday, June 18, 2018. All rates subject to change without notice.

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Mortgage Rates

Term Rate APR Points Monthly P&I per $1,000
30 Year 4.625% 4.657% 0 $5.14
30 Year 4.375% 4.492% 1 $4.99
30 Year 4.250% 4.452% 2 $4.92
20 Year 4.375% 4.418% 0 $6.26
20 Year 4.125% 4.284% 1 $6.13
20 Year 4.000%
4.276% 2 $6.06
15 Year 4.125% 4.180% 0 $7.46
15 Year 3.875% 4.078% 1 $7.33
15 Year 3.750% 4.102% 2 $7.27
10 Year 4.000% 4.078% 0 $10.12
10 Year 3.750% 4.041% 1 $10.01
10 Year 3.625% 4.131% 2 $9.95

Payment does not include insurance or taxes and actual payment may be greater.

Rates are based on owner occupied property and are subject to change without notice. Fixed rates posted are for loans that meet Secondary Market guidelines. The monthly P & I per $1,000 are based on the rate and term indicated assuming a down payment of 20%. Please note that Private Mortgage Insurance (PMI) is required on all loans with LTV's greater than 80%. If an escrow account is required or requested, the actual monthly payment will also include amounts of real estate taxes and/or PMI, if applicable. Property insurance required. Flood Insurance may be required. The maximum loan limits are as follows: Single Family-$453,100; Two Family-$580,150; Three Family-$701,250; and Four Family-$871,450. Call to speak to a Loan Officer. All loans are subject to the Bank's credit standards. The APR is based on a loan of $180,000; please call for a personalized quote.


Non-Owner Occupied 1-4 Family Mortgage   

RatePointsAPRMonthly P&I per $1000
5.125%0.755.249%$5.44

Payment does not include insurance or taxes and actual payment may be greater. Assumes a maximum LTV of 70%. Please note that private mortgage insurance is not currently available for investment properties. If an escrow account is requested, the actual monthly payment will also include amounts of real estate taxes. Property insurance required. Flood Insurance may be required. The maximum loan limits are as follows: Single Family-$453,100; Two Family-$580,150; Three Family-$701,250; and Four Family-$871,450. Additional rates for loans that exceed the maximum limits are available upon request. The APR is based on loan of $180,000; please call for a personalized quote. All loans are subject to the Bank's credit standards.


Adjustable Rate Mortgage Loans (ARMs)

ARMs are available. Please contact us for rate information: (978) 372-7731


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Home Equity Lines of Credit (Interest Only)

  • Type: Equity Lines of Credit
  • Maximum Term: 10 Year Draw/10 Year Repayment
  • Rates: 5.00% APR, regular rate is the prime rate plus .0%, this rate may vary.*

*Pentucket Bank's Home Equity Line of Credit Annual Percentage Rate (APR) is 5.00%. The APR is a variable rate based on the Prime Rate as published in the money section of the Wall Street Journal, plus .0%. The Prime Rate is 5.00% as of June 14, 2018. 1-4 Family Owner Occupied property only, property insurance required; flood insurance may be required. Early termination fee of $500. may apply if closed and paid off within the first 24 months. There are no closing costs in most cases if loan is in a valid second mortgage position behind a bank or other financial institution. You may pay certain fees to third parties. These fees generally total between $0.00 to $1,000.00. Consult your Tax Advisor about deductibility of interest. All loans are subject to the Bank's credit standards. The maximum rate is 18%.

Promotional APR of 4.25% fixed for the first 12 months (no further discounts applicable).

Thereafter, the APR will be 5.00% or Prime Rate as published in the money section of the Wall Street Journal plus .0% (no further discounts available).

  • Minimum Loan Amount is $10,000 / Maximum Loan Amount is $250,000
  • Combined Loan value not to exceed 80%, maximum total liens on the subject property, not to exceed $400,000.

Prime Rate: 5.00% as of June 14, 2018.

Fixed Rate Home Equity

Term Points Rate* APR Monthly P&I per $1,000
5 Years 0 3.49% 3.49% $18.19
10 Years 0 3.99% 3.99% $10.12
15 Years 0 4.29% 4.29% $7.54

Payment does not include insurance or taxes and actual payment may be greater. 1-4 family, owner-occupied property only, property insurance required; flood insurance may be required. There are no closing costs in most cases if loan is in a valid second mortgage position behind a bank or other financial institution. You may certain fees to third parties. The fees generally total between $0.00 to $1,000.00. Consult your Tax Advisor about deductibility of interest. All loans are subject to the Bank's credit standards.

  • Minimum Loan Amount is $10,000.- Maximum Loan Amount is $250,000.
  • Combined Loan to value not to exceed 80%, maximum total liens on the subject property, not to exceed $400,000. 
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Consumer Auto Loans

Type Maximum Term APR Monthly P&I per $1000
Auto - New 36 Months 3.49% $29.30
Auto - New 48 Months 3.99% $22.57
Auto - New 60 Months 4.49% $18.64
Auto - Used 1-5 yrs old 36 Months 3.99% $29.52
Auto - Used 1-5 yrs old 48 Months 4.49% $22.80
Auto - Used 1- 5 yrs old 60 Months 4.99% $18.87
Auto - Used 5 yrs old or greater Add 0.50%
to rate

10% down payment required. All loans are subject to the Bank's credit standards.

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