No monthly maintenance fees.

Minimum balance of $0.01 to receive stated APY.

*Annual Percentage Yield (APY) may change at any time without notice. Fees may reduce earnings.

Minimum balance to receive stated APY is $0.01. Fees may reduce earnings.

No minimum monthly balance requirements.

*Annual Percentage Yield (APY) may change at any time without notice.

Minimum balance to receive stated APY is $0.01. Fees may reduce earnings.

No minimum monthly balance requirements.

*Annual Percentage Yield (APY) may change at any time without notice.

Minimum balance to receive stated APY is $0.01. Fees may reduce earnings.

Restricted withdrawals. Withdrawals may result in account closing.

*APY is Annual Percentage Yield and accurate as of  Wednesday, Apr 9, 2025. $1,000 minimum to open. This account must be funded only by New Money. “New Money” means money used to fund this account that comes from a source other than a Bay State Savings Bank account. New Money does not include money that is temporarily routed from a Bay State Savings Bank account to one or more other destinations or mediums that are then used to fund the account. Minimum $0.01 to earn stated APY. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Limited time offer and subject to change without notice. Additional terms and conditions apply.

*Annual Percentage Yields (APY) and Interest Rates may change at any time without notice and at the Bank’s discretion. Minimum opening deposit of $1,000 is required for all CDs except the 3-month certificate. Minimum deposit to open a 3-month certificate is $5,000. Stated minimum opening deposits are the minimum balances required to receive the stated APYs. Fees may reduce earnings. A penalty may be imposed for early withdrawal. The Bank reserves the
right to institute or change maximum balance limits on monies on deposit by a depositor or in any specific account at any time. If balances exceed a maximum limit, the Bank reserves the right not to pay interest on the balance exceeding the maximum or to transfer the exceeding amount into a non-interest bearing account. We use the daily balance computation method to calculate interest on your accounts, This method applies a daily periodic rate to the principal in the account each day.

*APY is Annual Percentage Yield and accurate as of  Wednesday, Apr 9, 2025. $1,000 minimum to open. This account must be funded only by New Money. “New Money” means money used to fund this account that comes from a source other than a Bay State Savings Bank account. New Money does not include money that is temporarily routed from a Bay State Savings Bank account to one or more other destinations or mediums that are then used to fund the account. Minimum $0.01 to earn stated APY. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Limited time offer and subject to change without notice. Additional terms and conditions apply. IRAs must be opened in person. Please consult a tax advisor.

**Annual Percentage Yields (APY) and Interest Rates are for fixed rate IRAs and may change at any time without notice. Minimum opening deposit of $500 is required for all fixed rate IRAs and is the minimum balance required to receive stated APYs. Fees may reduce earnings. A penalty may be imposed for early withdrawal. These offers are subject to change without notice. Additional terms and conditions may apply. IRAs must be opened in person. Please consult a tax advisor.

Minimum balance of $1,000 required to avoid a monthly service charge of $10.00.

*Annual Percentage Yield (APY) may change at any time without notice. Fees may reduce earnings.

Minimum balance of $1,000 required to avoid a monthly service charge of $10.00.

• 359 payments of $1,247.74 at an interest rate of 6.375%
• 1 payment of $1,247.40 at an interest rate of 6.375%

This payment schedule is based on a $200,000 loan on a $250,000 property (assumes a 20% down payment.) Minimum 720 FICO score. Maximum LTV 80% or 95% with PMI.

Loan amounts greater than $806,500 or minimum FICO score of 719 or lower subject to additional interest rate adjustments.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

• 359 payments of $5,164.11 at an interest rate of 6.625%
• 1 payment of $5,161.65 at an interest rate of 6.625%

This payment schedule is based on a $806,500 loan on a $1,008,130 property (assumes a 20% down payment.)

Loan purpose must be to purchase or no cash-out  refinance a single family dwelling that will serve as borrower’s primary residence (second homes/investment properties/2-4 family properties are ineligible).

Minimum 740 FICO score. Maximum LTV 80% on loan amounts up to $1,000,000 and 75% on loan amounts over $1,000,000.

Loan amounts  $1,000,000 or greater, or minimum FICO score of 739 or lower subject to additional interest rate adjustments.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

• 239 payments of $1,461.86 at an interest rate of 6.250%
• 1 payment of $1,460.17 at an interest rate of 6.250%

This payment schedule is based on a $200,000 loan on a $250,000 property (assumes a 20% down payment.) Maximum LTV 80% or 95% with PMI.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

• 179 payments of $1,674.24 at an interest rate of 5.875%
• 1 payment of $1,673.31 at an interest rate of 5.875%

This payment schedule is based on a $200,000 loan on a $250,000 property (assumes a 20% down payment.) Maximum LTV 80% or 95% with PMI.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

This payment schedule is based on a $200,000 loan on a $250,000 property (assumes a 20% down payment.) Maximum LTV 80% or 95% with PMI.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

• 60 payments of $1,183.08 at an interest rate of 5.875%
• 299 payments of $1,298.55 at an interest rate of 6.875%
• 1 payment of $1,296.02 at an interest rate of 6.875%

This payment schedule is based on a $200,000 loan on a $250,000 property (assumes a 20% down payment.) Maximum LTV 80% or 95% with PMI.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

Payment and rates after the first adjustment are estimates based on the current index which may increase.

Special information for all adjustable rate mortgages: The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index.  Adjustable rate mortgages (ARMs) offer an initial rate that is fixed for a specified period. After the specified period, the rate may increase or decrease depending on current market conditions. For example, our 5-year adjustable rate mortgage has a fixed interest rate for the first five years of the loan. After that, the interest rate can increase or decrease annually. The rate would then be determined by adding the current index to a fixed margin.

• 84 payments of $1,199.10 at an interest rate of 6.000%
• 275 payments of $1,294.66 at an interest rate of 6.875%
• 1 payment of $1,292.60 at an interest rate of 6.875%

This payment schedule is based on a $200,000 loan on a $250,000 property (assumes a 20% down payment.) Maximum LTV 80% or 95% with PMI.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.

Payment and rates after the first adjustment are estimates based on the current index which may increase.

Special information for all adjustable rate mortgages: The APR, interest rate and principal and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index.  Adjustable rate mortgages (ARMs) offer an initial rate that is fixed for a specified period. After the specified period, the rate may increase or decrease depending on current market conditions. For example, our 5-year adjustable rate mortgage has a fixed interest rate for the first five years of the loan. After that, the interest rate can increase or decrease annually. The rate would then be determined by adding the current index to a fixed margin.

• All offerings and rates listed above are subject to loan amount, credit history, loan-to-value ratio, and debt-to-income ratio.  Other terms & restrictions may apply.  Finance charges affect APR. Your actual interest rate and APR may vary.

• Variable rate of Wall Street Journal Prime Rate minus 0.55% for the life of the loan (6.95% APR current as of Wednesday, Apr 9, 2025)
• 20 Year Term (10 year draw with interest-only payments followed by 10 year repayment period)
• $10,000 minimum initial draw required ($25,000.00 minimum line amount, $350,000 maximum line amount)
• Up to 80% loan-to-value (CLTV) ratio
• Eligibility restricted to owner-occupied and second homes in MA or NH only
• Property insurance required
• Eligible for Bank paid closing costs excluding the cost of the appraisal if the subject property is a 2-4 family residence, excluding any discharge fees, condominium related fees, or trustee related fees as they may be applicable to your loan.
• For more information, please see Option 1 in our Important Terms Disclosure

• $10,000 minimum initial draw required ($25,000.00 minimum line amount, $350,000 maximum line amount)
• Up to 80% loan-to-value (CLTV) ratio
• Eligibility restricted to owner-occupied and second homes in MA or NH only
• Property insurance required
• Eligible for Bank paid closing costs excluding the cost of the appraisal if the subject property is a 2-4 family residence, excluding any discharge fees, condominium related fees, or trustee related fees as they may be applicable to your loan.
• For more information, please see Option 2 in our  Important Terms Disclosure

• $10,000 minimum initial draw required ($25,000 minimum line amount, $350,000 maximum line amount)
• Eligibility restricted to owner-occupied and second homes in MA or NH only
• Property insurance required
• Eligible for Bank paid closing costs excluding the cost of the appraisal if the subject property is a 2-4 family residence, excluding any discharge fees, condominium related fees, or trustee related fees as they may be applicable to your loan.
• For more information, please see Option 3 in our  Important Terms Disclosure

• For term of 15 Years (180 Months): 7.25% Fixed APR
• For term of 20 Years (240 Months): 7.75% Fixed APR
• $25,000 minimum line amount, $500,000 maximum line amount
• Up to 80% combined loan-to-value (CLTV) ratio
• Eligibility restricted to owner-occupied and second homes in MA or NH only
• Property insurance required
• Eligible for Bank paid closing costs excluding the cost of the appraisal if the subject property is a 2-4 family residence or if your loan amount exceeds $400,000, excluding any discharge fees, condominium related fees, or trustee related fees as they may be applicable to your loan.

• Eligibility restricted to 1-4 unit or condominium with max of 4 owned investment properties.
• Limited to one outstanding Bay State investment home equity loan per application.
• Full Appraisal required.
• Deposit Relationship required to be eligible along with automatic payments.

*Annual Percentage Rates may change at any time without notice. Annual Percentage Rate includes $50 vehicle loan processing fee to be paid by
borrower at closing. Payment amount on $10,000 loan for 60 months at 6.75% Interest Rate (7.079% APR) is $196.83 per month. Payment amount on $10,000 loan for 72 months at 7.50% Interest Rate (7.792% APR) is $172.90 per month.  Qualified applicants financing new 2023 – 2024 model year automobiles may borrow up to 100% of purchase price or book value, whichever is lower, for up to 72 months. Subject to credit approval.

*Annual Percentage Rates may change at any time without notice. Annual Percentage Rate includes $50 vehicle loan processing fee to be paid by borrower at closing. Payment amount on $10,000 loan for 60 months at 7.50% Interest Rate (7.844% APR) is $200.38. Payment amount on $10,000 loan for 72 months at 8.00% Interest Rate (8.301% APR) is $175.33. Applicants financing a model year 2017 – 2022 are limited to 90% of purchase price or NADA book value; whichever is lower. Subject to credit approval.

*Annual Percentage Rates may change at any time without notice. Annual Percentage Rate includes $50 vehicle loan processing fee to be paid by borrower at closing. Payment amount on $10,000 for 60 months at 14.99% Interest Rate (15.219% APR) is $237.85. Eligibility limited to 2019-2024 year models. Maximum loan to value ratio, based on book value, is 90%, including sales tax and filing fees. Subject to credit approval.

*Annual Percentage Rates may change at any time without notice. Annual Percentage Rate includes $50 vehicle loan processing fee to be paid by borrower at closing. Payment amount on $10,000 for 60 months at 14.99% Interest Rate (15.219% APR) is $237.85. Eligibility limited to 2019-2024 year models. Maximum loan to value ratio is 80% of purchase price or book value, whichever is lower,including sales tax and filing fees. Subject to credit approval.

*Annual Percentage Rates may change at any time without notice. Payment amount on $10,000 for 60 months at 11.99% Interest Rate (11.990% APR) is $222.39. Eligibility limited to 2019-2024 year models. Maximum loan to value ratio, based on book value, is 80%, including sales tax and filing fees. Subject to credit approval.