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Rates

Rates as of Monday, August 14, 2017. All rates subject to change without notice.

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Pentucket Club Deposit Rates**


Annual Percentage Yield Interest Rate Minimum Deposit to Open Minimum Daily Balance* to Obtain APY
Pentucket Club
NOW Checking
.28% .28% $10 $500
Pentucket Club Statement Savings .30% .30% $10 $10
Pentucket Club
Emerald Money Market


$500,000 + .80% .80% $10 $500,000
$100,000 - $499,999.99 .70% .70% $10 $100,000
$50,000 - $99,999.99 .50% .50% $10 $50,000
$25,000 - $49,999.99 .45% .45% $10 $25,000
$10,000- $24,999.99 .45% .45% $10 $10,000
$1,000 - $9,999.99 .35% .35% $10 $1,000
Pentucket Club
Certificates of Deposit

6 Month .55% .55% $500 $500
1 Year 1.05% 1.05% $500 $500
18 Month 2.01% 1.99% $500 $500
2 Year 1.51% 1.50% $500 $500
3 Year 1.76% 1.75% $500 $500
4 Year 1.92% 1.90% $500 $500
5 Year 2.17% 2.15% $500 $500
Pentucket Club
IRA Certificates of Deposit

6 Month N/A N/A N/A N/A
1 Year 1.05% 1.05% $500 $500
18 Month 2.01% 1.99% $500 $500
2 Year 1.51% 1.50% $500 $500
3 Year 1.76% 1.75% $500 $500
4 Year 1.92% 1.90% $500 $500
5 Year 2.17% 2.15% $500 $500

All Accounts
Fees may reduce earnings
Rates may be subject to change without notice.
For variable rate products, the rate may/can change after account opening.

Certificates of Deposit
Certificates will be subject to penalty for early withdrawal.
APY on certificates (except variable) reflects yield for full term.

*Daily Balance (the amount of principal in the account each day.)
** Consumer deposit accounts that qualify for the combined daily balance requirement of $7,500 must include a Pentucket Free Checking, or NOW Checking Account with a Pentucket Bank Debit Card or a minimum of one (1) Direct Deposit per month. Other qualifying accounts for the combined balance criteria include Statement Savings, Emerald Money Market, Certificates of Deposit, Individual Retirement Accounts (IRA and IRA Variable) and Health Savings Accounts (HSA).  Passbook Savings Accounts are not a qualifier for the combined balance requirement nor do they qualify for the premium rate adjustment. IRA Variable and HSA also do not qualify for the premium rate adjustment. Direct Deposit is defined as one ACH transaction of $100 or greater.


For additional rate information please call 978-372-7731.

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Consumer Deposit Rates


Annual Percentage Yield Interest Rate Minimum Deposit to Open Minimum Daily Balance* to Obtain APY
Pentucket NOW Checking .03% .03% $10 $500
Statement Savings .05% .05% $10 $10
Club Accounts .05% .05% $10 $5
Emerald Money Market

$500,000+ .55% .55% $10 $100,000
$100,000-$499,999.99 .45% .45% $10 $100,000
$50,000 - $99,999.99 .25% .25% $10 $50,000
$25,000 - $49,999.99 .20% .20% $10 $25,000
$10,000 - $24,999.99 .20% .20% $10 $10,000
$1,000 - $9,999.99 .10% .10% $10 $1,000
Certificates of Deposit
6 Month .30% .30% $500 $500
1 Year .80% .80% $500 $500
18 Month 1.75% 1.74% $500 $500
2 Year 1.26% 1.25% $500 $500
3 Year 1.51% 1.50% $500 $500
4 Year 1.66% 1.65% $500 $500
5 Year 1.92% 1.90% $500 $500
IRA Certificates of Deposit
6 Month N/A N/A N/A N/A
1 Year .80% .80% $500 $500
18 Month 1.75% 1.74% $500 $500
2 Year 1.26% 1.25% $500 $500
3 Year 1.51% 1.50% $500 $500
4 Year 1.66% 1.65% $500 $500
5 Year 1.92% 1.90% $500 $500

All Accounts
Fees may reduce earnings
Rates may be subject to change without notice.
For variable rate products, the rate may/can change after account opening.

Certificates of Deposit
Certificates will be subject to penalty for early withdrawal.
APY on certificates (except variable) reflects yield for full term.

*Daily Balance (the amount of principal in the account each day.)

For additional rate information please call 978-372-7731.


Health Savings Accounts

Eligible individuals can open a tax-exempt Health Savings Account (HSA) to pay for certain medical expenses. Funds can be accessed by a check or debit card. Contributions can be deducted from your gross income and funds remain in the account from year to year until you choose to use them.

For rate information please call 978-372-7731.

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Mortgage Rates

Term Rate APR Points Monthly P&I per $1,000
30 Year 3.875% 3.899% 0 $4.70
30 Year 3.625% 3.730% 1 $4.56
30 Year 3.500% 3.687% 2 $4.49
20 Year 3.750% 3.783% 0 $5.93
20 Year 3.500% 3.646% 1 $5.80
20 Year 3.375% 3.636% 2 $5.74
15 Year 3.250% 3.292% 0 $7.03
15 Year 3.000% 3.186% 1 $6.91
15 Year 2.875% 3.206% 2 $6.85
10 Year 3.125% 3.185% 0 $9.71
10 Year 2.875% 3.144% 1 $9.60
10 Year 2.750% 3.231% 2 $9.54

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. The maximum loan limits are as follows: Single Family-$424,100; Two Family-$543,000; Three Family-$656,350; and Four Family-$815,650. Additional rates for loans that exceed the loan limits and loans that do not meet Secondary Market guidelines are available upon request. 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.

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Non-Owner Occupied 1-4 Family Mortgage

Rate Points APR Monthly P&I per $1000
4.375% 0.75 4.536% $4.99

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. The maximum loan limits are as follows: Single Family-$424,100; Two Family-$543,000; Three Family-$656,350; and Four Family-$815,650. 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.

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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: 4.50% APR, regular rate is the prime rate plus .25%, this rate may vary.*

*Pentucket Bank's Home Equity Line of Credit Annual Percentage Rate (APR) is 4.50%. The APR is a variable rate based on the Prime Rate as published in the money section of the Wall Street Journal, plus .25%. The Prime Rate is 4.25% as of June 15, 2017. 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 3.50% fixed for the first 12 months (no further discounts applicable).

Thereafter, the APR will be 4.50% or Prime Rate as published in the money section of the Wall Street Journal plus 0.25%, and Prime Rate plus 0.00% for Pentucket Club borrowers (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: 4.25% as of June 15, 2017.

Fixed Rate Home Equity

Term Points Rate* APR Monthly P&I per $1,000
5 Years 0 3.375% 3.375% $18.14
10 Years 0 3.625% 3.625% $9.95
15 Years 0 3.875% 3.875% $7.33

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 2.99% $29.08
Auto - New 48 Months 3.49% $22.35
Auto - New 60 Months 3.99% $18.41
Auto - Used 1-5 yrs old 36 Months 3.49% $29.30
Auto - Used 1-5 yrs old 48 Months 3.99% $22.57
Auto - Used 1- 5 yrs old 60 Months 4.49% $18.64
Auto - Used 5 yrs old or greater Add 0.50%
to rate

All loans are subject to the Bank's credit standards.

ARMs available, please contact us for rate information: 978-372-7731.

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Business Advantage


Annual Percentage Yield Interest Rate Minimum Daily Balance* to Obtain APY
Commercial Advantage - Earnings Credit .30%


Business NOW Advantage


$100,000+ .20% .20% $100,000
$50,000 - $99,999.99 .10% .10% $50,000
$25,000 - $49,999.99 .05% .05% $25,000
$10,000 - $24,999.99 .05% .05% $10,000
$1,000 - $9,999.99 .03% .03% $1,000
Non-Profit Advantage .03% .03% $500
IOLTA Checking .20% .20% $0
Statement Savings .05% .05% $10
Business Emerald Money Market
$500,000+ .45% .45% $100,000
$100,000 - $499,999.99 .40% .40% $100,000
$50,000 - $99,999.99 .25% .25% $50,000
$25,000 - $49,999.99 .20% .20% $25,000
$10,000 - $24,999.99 .20% .20% $10,000
$1,000 - $9,999.99 .10% .10% $1,000
Money Manager Sweep

$500,000+ .55% .55% $100,000
$100,000 - $499,999.99 .40% .40% $100,000
$10 - $99,999.99 .20% .20% $10

Fees may reduce earnings.
Rates may be subject to change without notice.
For variable rate products, the rate may/can change after account opening.
Interest bearing checking accounts available to qualifying businesses.

* Daily Balance (the amount of principal in the account each day.)

** Any funds held by Pentucket Bank pursuant to a repurchase agreement are not deposits or other obligations of the Institution and are not guaranteed by the Institution; and are not insured by the Federal Deposit Insurance Corporation (FDIC), the Depositors Insurance Fund (DIF), the U.S. Government or any agency of the U.S. Government; and are subject to investment risk, including the loss of principal invested.


For additional rate information please call 978-372-7731.

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