Logon to:
Select An Account Personal Business
Log In to Business Online Banking
Log In to Business Online Banking

Online Banking

Phone: 978-283-0246

Adjustable Rate Mortgages

We employ a staff of mortgage specialists who are on hand to answer your questions, and they can work with you to find a mortgage or loan option that leaves you feeling confident and satisfied. Apply online! It's easy!

Apply Now Button

Mortgage payments per $1,000.00 do not include taxes and insurance. The actual payment obligation will be greater.

Mortgage Adjustable Rate Products
TypeTermInterest RatePointsAnnual Percentage
Rate (APR)
Monthly Payment per $1,000
3/1 ARM 30 Years 3.250% 0 4.72%* 36 @ $4.35 324 @ $4.87
5/1 ARM 30 Years 3.500% 0 4.57%* 60 @ $4.49 300 @ $4.99
7/1 ARM 30 Years 3.750% 0 5.10%* 84 @ $4.63 276 @ $5.10
10/1 ARM 30 Years 4.250% 0 4.63%* 120 @ $4.92 240 @ $5.35
*Annual Percentage Rate based on 20% down payment without private mortgage insurance.

Available for 1 - 4 family, owner occupied residences.
Other payment terms available.
1% Cap per adjustment, 5% Lifetime Cap
Indexed to the Federal Reserve Board listing the weekly average yields on US Treasury Securities adjusted to a constant maturity of one year plus a margin rounded to the nearest .125%. Ask for our current margin.
Annual Percentage Rate is subject to change after consummation.
The APR (Annual Percentage Rate) is based on a formula using the interest rate, the term of the loan, and any initial rate discount/premium period.
Minimum down payment 5% (own funds).

Mortgage Calculator


Rates are applicable as of 5/25/2018.



Notice to All Online Banking Customers

Our customers' security is of the upmost importance to us.

In order to enhance security, we will be discontinuing service to unsupported web browsers with outdated security settings. The banking application will include a security update which will require that our customers are using a secure browser that enables Transport Layer Security (TLS version 1.2).

To ensure we can continue to serve you securely in the future, please check your browser to be sure it complies with one of the compatible browsers listed in the table to the right.


Browser / Operating System Compatibility

 microsoft edge

Microsoft Edge  Compatible
 microsoft internet explorer Microsoft IE Desktop and mobile version 11  Compatible
 microsoft internet explorer Microsoft IE Desktop versions 9 and 10 *  Not Compatible
 mozilla firefox Mozilla Firefox 27 and higher  Compatible
 google chrome Google Chrome 38 or higher  Compatible
 apple safari Mobile Safari versions 5 and higher  Compatible
 microsoft windows 7 Microsoft Windows 7,8.0,8.1,10  Compatible
microsoft windows 8 Microsoft Windows 8, 8.1 Compatible
microsoft windows 10 Microsoft Windows 10 Compatible
 microsoft windows xp Microsoft XP/Vista and below  Not Compatible

 *can be enabled on Windows 7 or newer

If you have any questions about these changes, please contact our customer service department at 978-283-0246 and we will be happy to assist you.