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Online Banking

Phone: 978-283-0246

Home Equity Lines of Credit

Home Equity Line Of Credit

*APR effective as of 06/15/17. APR will change monthly, and be based on an index plus a margin. The index is the Prime Rate as published in the Wall Street Journal as of the last working day of the month, and the margin is minus .25%. The rate may increase after consummation. Bank pays typical closing costs (credit, flood determination, drive-by appraisal, title rundown). 1- 4 family owner occupied properties only. Minimum Loan amount $25,000.00 / Maximum Loan amount $150,000.00.Not to exceed 80% LTV (Loan to Value) ratio including first mortgage. Hazard insurance, property taxes, and flood insurance, if required, are not included and may increase payment obligations. Subject to credit approval. Offer may be withdrawn at any time. $250.00 closeout fee if the line is closed within the first three years, unless refinanced with Cape Ann Savings Bank.

Rates are applicable as of 3/20/2018.


NEW Feature - Online Banking Enhancement Pending Transactions

  • Customer's Account information will now include debit/credit card transactions that are pending on their account.
  • As depicted in the image below you will now see a pending transaction (see example below), the pending amount and a zero balance.
  • The zero balance to the right of the pending transaction will be updated once the transaction is posted, this does not mean that your balance is zero.
  • Customers can find their current balance and available balance under Account Information near the top of the page (see example below).
  • The Available balance reflects the Current balance minus the displayed pending transactions.
  • If you do not see a transaction pending that you expect, it most likely means that the transaction has not been initiated yet against the account.


        Pending Transactions