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Home Equity Rate Table
Rates effective as of 05/01/13. Subject to change.
Flex Home Equity Lines of Credit
| Line | APR | Minimum Line/Maximum Line | Product Features |
| Prime Less 3/4% | 2.50% APR** | $15,000 / $500,000 | $5,000 initial draw required.+ Fixed Conversion features. 10 year draw period. |
**Annual Percentage Rate 2.50% is 3/4% below prime and is a variable rate based on the prime rate as published in the Wall Street Journal. Prime as of 04/30/13 is 3.25%. Maximum APR is 18%. Minimum APR 2.50%. Requires $5,000 initial draw.
Loan to value not to exceed 80% or 75% for condos. LTV may be reduced based on creditworthiness. Available for 1-4 family primary residences in MA or southern NH. Property insurance required. Early termination fee of $500 applies to lines closed within the first 36 months. $135 to 350 fee if appraisal is required. Property must be primary residence at time of application and to advance on the line. NMLS# 198524.
Fixed Home Equity Loan Rates
Additional Home Equity Loan terms available; call 1-877-628-5626.
Monthly
| Term | Points | Interest Rate | APR* | Cost per $1000 |
| 20 Year | 0 | 5.75% | 5.75% | 7.02 |
| 15 Year | 0 | 4.50% | 4.50% | 7.65 |
| 10 Year | 0 | 3.99% | 3.99% | 10.12 |
| 5 Year | 0 | 3.25% | 3.25% | 18.08 |
Bi-Weekly
| Term | Years to Pay Off | Points | Interest Rate | APR* | Cost per $1000 |
| 20 Year | 16 Years 11 Months | 0 | 5.625% | 5.625% | 3.47 |
| 15 Year | 13 Years 1 Months | 0 | 4.375% | 4.375% | 3.79 |
| 10 Year | 8 Years 11 Months | 0 | 3.865% | 3.865% | 5.03 |
| 5 Year | 4 Years 6 Months | 0 | 3.125% | 3.125% | 9.01 |
Fixed Seconds: Minimum loan amount $15,000 and maximum $500,000. Loan to value not to exceed 80% or 75% for condos. LTV may be reduced based on creditworthiness. If required, appraisal fee of $135 to $350 applies. No prepayment penalty. Bi-weekly loans require automatic payment from a Metro Account. $140 review fee if property is in a trust. NMLS# 198524.
Home Equity Line of Credit Disclosure
