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Checking and Savings Accounts
The Interest Rate and APY may change after the account is opened.
Effective as of 12/9/09
Account Type Opening Balance Requirement Balance to Earn APY Interest Rate* Annual Percentage Yield (APY)
Interest Checking - Tier 2
e-Checking - Tier 2		 $50 $10,000 & over 0.20% 0.20%
Interest Checking - Tier 1
e-Checking - Tier 1		 $50 $10 - $9,999.99 0.05% 0.05%
         
Open a CD with your Premium Checking and receive a bonus rate of +.15% to the CD Rate.
Premium Checking Tier 4 $10 $100,000 & over 1.00% 1.00%
Premium Checking Tier 3 $10 $25,000-$99,999 0.70% 0.70%
Premium Checking Tier 2 $10 $2,500-$24,999 0.50% 0.50%
Premium Checking Tier 1 $10 $10-$2,499 0.05% 0.05%
       
Attorney Iolta Account $10 $10 1.24% 1.25%
         
The Money Market Account Tier 6 $2,500 $100,000 & over 1.29% 1.30%
The Money Market Account Tier 5 $2,500 $50,000 - $99,999.99 1.19% 1.20%
The Money Market Account Tier 4 $2,500 $25,000 - $49,999.99 1.00% 1.00%
The Money Market Account Tier 3 $2,500 $10,000 - $24,999.99 0.80% 0.80%
The Money Market Account Tier 2 $2,500 $2,500 - $9,999.99 0.75% 0.75%
The Money Market Account Tier 1 $2,500 $10 - $2,499.99 0.05% 0.05%
         
Passbook Savings $10 $10 0.35% 0.35%
Statement Savings $10 $10 0.25% 0.25%
         
Investment Account Tier 2 $2,500 $2,500 & over 0.30% 0.30%
Investment Account Tier 1 $2,500 $10 - $2,499.99 0.05% 0.05%
*To earn the stated APY, the minimum balance indicated must be maintained.
No interest is accrued on any day the balance is less than $10.00 on all of the checking and savings accounts listed above.

Term Deposit and IRA Accounts
An early withdrawal penalty may be imposed.
Effective as of 12/9/09
Account Type Minimum Balance Interest Rate Annual Percentage Yield (APY)
6 Month - Fixed Rate $ 1,000 0.90% 0.90%
9 Month - Fixed Rate $ 1,000 1.045% 1.05%
12 Month - Fixed Rate $ 1,000 1.19% 1.20%
18 Month - Fixed Rate $ 1,000 1.39% 1.40%
24 Month - Fixed Rate $ 1,000 1.74% 1.75%
36 Month - Fixed Rate $ 1,000 1.98% 2.00%
48 Month - Fixed Rate  $ 1,000 2.18% 2.20%
60 Month - Fixed Rate  $ 1,000. 2.37% 2.40%

These offerings are available at all Banking Offices of The Savings Bank. Rates and APY's are accurate as of the effective date stated above.

Service Fees may reduce earnings on the account.

Rates are subject to change without notice.

DEPOSIT AREA

  • WE WILL ACCEPT DEPOSITS FROM CUSTOMERS WHO LIVE OR WORK IN THE STATE OF NEW HAMPSHIRE AND THE COMMONWEALTH OF MASSACHUSETTS.


    • Real Estate Loan Rates - Fixed
    Effective as of 12/9/09
    Type
    Rate
    		 Points APR
    20% Down    		 Maximum
    Loan Amt    		 Maximun
    Term
    10 Year Fixed 4.375%
    5.125%
    0
    0
    		 4.440%
    5.140%
    $500,000
    $1,000,000
    		 10 Years
    10 Years
    15 Year Fixed 4.250%
    4.375%
    1
    0
    		 4.450%
    4.430%
    *
    *
    		 15 Years
    15 Years
    30 Year Fixed 4.750%
    4.875%
    5.000%
    2
    1
    0
    		 4.960%
    4.990%
    5.030%
    *
    *
    *
    		 30 Years
    30 Years
    30 Years
    With a 20% down-payment, a 30 Year Fixed Rate Mortgage at 5.000% with no points would be repayable in 360 monthly payments of $5.37 per $1,000 borrowed.


    Fixed Interest Rates are subject to change daily without prior notice. At time of application the Fixed Interest Rate applied for may be higher or lower than the Fixed Interest Rate quoted on this Rate Sheet. All Interest Rates and program guidelines may change without prior notice.

    Fixed Rate APR includes prepaid finance charges such as points, $80.00 Tax Service Fee, $80.00 Hazard Tracking Fee, $150.00 Processing Fee and $14.50 Flood Certificate Fee.

    Maximum Loan Amounts:
    • Single Family: $417,000
    • Two Family: $533,850
    • Three Family: $645,300
    • Four Family: $801,950

    • 95% Maximum Financing; PMI required with less than a 20% down-payment
    • 60-Day Rate Lock - other Rate Lock options available
    • Appraisal Fee: Single Family: $350.00; 2-4 Family: $550.00
    • Credit Report Fee: Joint: $21.43; Individual: $18.74
    • Flood Certificate Fee: $14.50


    Real Estate Loan Rates - Adjustable
    Effective as of 12/9/09
    These rates are for loans less than or equal to $500,000
    Type
    Rate
    		 Points APR1
    20% Down    		 Caps Margin Maximum
    Term
    3/3 ARM 4.625%
    0
    		 4.170%
    2/5
    		 2.75% 30 Years
    5/5 ARM 4.750%
    0
    		 4.860%
    2/6
    		 2.75% 30 Years
    7 Year Fixed/1 Year ARM 5.125%
    0
    		 4.110%
    1/4
    		 2.75% 30 Years
    10 Year Fixed/1 Year ARM 5.250%
    0
    		 4.510%
    1/4
    		 2.75% 30 Years
    With a 20% down-payment, a 3/3 ARM at 4.625% for 30 years would be repayable in 36 monthly payments of $5.14 followed by 324 monthly payments of $4.80 per $1,000 borrowed.


    Real Estate Loan Rates - Jumbo Adjustable
    Effective as of 12/9/09
    These rates are for loans greater than $500,000
    Type
    Rate
    		 Points APR1
    20% Down    		 Caps Margin Maximum
    Term
    3/3 ARM 5.375%
    0
    		 4.900%
    2/5
    		 3.50% 30 Years
    5/5 ARM 5.500%
    0
    		 5.580%
    2/6
    		 3.50% 30 Years
    7 Year Fixed/1 Year ARM 5.875%
    0
    		 4.870%
    1/4
    		 3.50% 30 Years
    10 Year Fixed/1 Year ARM 6.000%
    0
    		 5.270%
    1/4
    		 3.50% 30 Years
    With a 20% down-payment, a 3/3 ARM at 5.375% for 30 years would be repayable in 36 monthly payments of $5.60, followed by 324 monthly payments of $5.24 per $1,000 borrowed.


    First Time Home Buyer Program Rates
    Effective as of 12/9/09
    The following rates are for loan amounts less than or equal to $500,000.00
    Type
    Rate
    		 Points APR1
    10% Down    		 Caps Margin Maximum
    Term
    5/5 ARM 4.750%
    0
    		 4.840%
    2/6
    		 2.75% 30 Years
    7 Year Fixed/ 1 Year ARM 5.125%
    0
    		 4.100%
    1/4
    		 2.75% 30 Years
    10 Year Fixed/ 1 Year ARM 5.250%
    0
    		 4.500%
    1/4
    		 2.75% 30 Years
    With an 11% down-payment, a 5/5 ARM at 4.750% for 30 years would be repayable in 60 monthly payments of $5.22 followed by 300 monthly payments of $5.28 per $1,000 borrowed.

    All Interest Rates and program guidelines may change without prior notice. ARM indices based on the weekly average yield U.S. Treasury Securities. Rate may increase after consummation on all Adjustable Rate Mortgages.

    1ARM Composite APR includes prepaid finance charges such as, $80.00 Tax Service Fee, $80.00 Hazard Tracking Fee and $14.50 Flood Certificate Fee.
    Fixed Rate APR includes prepaid finance charges such as $80.00 Tax Service Fee, $80.00 Hazard Tracking Fee, and $14.50 Flood Certificate Fee.

    Maximum Financing:
  • 97% with PMI on 1 family property with a maximum loan amount of $417,000, Homebuyer Counseling Certificate required
  • 95% with PMI on 2 family property with a maximum loan amount of $500,000

    Any loan that requires Private Mortgage Insurance (PMI) must meet all guidelines established by the MI company including:
    a. Credit Scores
    b. Market Restrictions
    c. Property Type
    d. Financial Reserves
  • 89% with NO PMI on a 1 and 2 family property with a maximum loan amount of $500,000
  • 80% with NO PMI on a 3 and 4 family property with a maximum loan amount of $500,000

    Parameters:
  • No purchase price limit
  • No form of ownership in residential property in the last 3 years
  • Copies of last two years signed federal tax returns required
  • 1 to 4 family owner occupied
  • No Construction Loans
  • Condominiums must have 70% owner occupancy ratio, a minimum of 600 square feet of livable space, and a minimum of 3 units in the association

    Closing Cost
  • NO Appraisal Fee, NO Credit Report Fee, NO Application Fee, NO Points
  • Reduced Closing Cost of $990.00 (Includes Attorney Fee, Plot PLan, MLC and Recording Fees)
  • Reduced Title Insurance ($2.00 per $1,000), Tax Service Fee ($80.00), Hazard Tracking Fee ($80.00), Flood Certificate Fee ($14.50), Real Estate Tax Escrow and PMI
  • 60 Day Rate Lock - other Rate Lock Options are available

    For more information about this product or other real estate loan products we offer, please call our mortgage specialists at (781) 224-5368.

    Auto Loan Rates
    Effective as of 12/9/09
    Type APR/Rate
    Term
    		 Max
    Loan Amt    		 Down-Payment Model Years
    New Auto
    5.750%
    6.000%
    6.250%
    		 4 Years+
    5 Years
    6 Years    		 $50,000
    0%
    2009
    With 500 Miles
    or Less
    Used Auto
    6.500%
    6.750%
    		 4 Years
    5 Years    		 $30,000 or NADA Retail Value or
    Purchase Price whichever is Less
    0%
    2008-2005
    .25% off auto loan rates for automatic payment from TSB account

    + Example: With a maximum loan amount of $50,000, a 48-month auto loan with a rate of 5.750% would cost $23.36 per $1,000

    Example: With a maximum loan amount of $50,000, a 48-month auto loan with a rate of 5.550% would cost $23.25 per $1,000


    Consumer Loan Rates
    Effective as of 12/9/09
    Type APR/Rate
    Max Term
    		 Min
    Loan Amt    		 Max
    Loan Amt    		 Comments
    Unsecured Personal Loan
    12.00%
    		 4 Years $1,000 $5,000
     
    Fixed Rate Home Equity Loan1
    6.375%
    7.000%
    		 15 Years
    20 years
    		 $10,000
    $75,000
    		 $200,000
    $200,000
    		 Appraised LTV: 70%
    Automated Value LTV: 60%
    Home Equity Line of Credit
    4.00%2
    Prime for Life    		 20 years $10,000 $300,000 Appraised LTV: 70%
    Automated Value LTV: 60%
    Money Reserve/
    Overdraft Protection
    18.00%
    		 Revolving $500 $2,500 $30 min. monthly payment
    Passbook Collateral
    9.00%
    		 10 Years3 $500 90% of passbook balance Monthly installments of principal and interest
    Small Dollar Loan4
    18.00%
    		 3-18 months
    3-36 months
    		 $300
    $600
    		 $500
    $1,000
    		 New passbook savings account required4
    Homeowner Septic Repair
    0, 3, 5%
    		 20 Years $1,000 $25,000 Based on MassHousing Guidelines
    Get the Lead Out Program Please call a loan representative for details. Based on MassHousing Guidelines

    1Rate Discounted by .25% with automatic payment from TSB checking or statement savings account.
    This loan must be recorded in second position, junior to an existing first mortgage.
    No closing costs for loan amounts of $75,000 or greater; borrower will be responsible to pay an appraisal fee if needed. Loan amounts less than
    $75,000, borrower will be responsible to pay closing costs of $446 and appraisal fee if needed. Property insurance is required.

    2Your rate will adjust monthly based on the Prime Rate as published in the Wall Street Journalon the last business day of the month. The current Prime Rate is 3.250% as of November 30, 2009. The maximum APR is 18.00% and the minimum APR is 4.00%. Your minimum payment due will never be lower than $100.00. An appraisal fee in the range of $350.00 to $550.00 will be charged on any loan request greater than $250,000. Any loan request $250,000 or less will be charged an automated value fee of $9.95. However, the Bank always reserves the right to require a full real estate appraisal, at borrowers' expense, for any real estate loan request. Property insurance is required. The borrower will be responsible for additional closing costs of $436.00, which includes the Attorney Fee, Recording Fee, Flood Certificate Fee, and Credit Report Fee. You should consult with a tax advisor about the deductibility of interest paid on your Home Equity Line of Credit.


    3Passbook Collateral loan payback schedule is based on $1,000 per year (i.e. $1,000 @ 1 year, $4,000 @ 4 years, $15,000 up to 10 years).

    4Must open a new passbook savings account to accompany this loan and must maintain required passbook balance, 5% of loan proceeds, for term of the loan.

    For more information, call our Consumer Loan Specialists at (800) 246-2009