Rates

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Home Mortgage Rates

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Residential Real Estate Loans for 1-4 Family Dwellings.

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All rates and terms are subject to change at any time.

Fixed Rates

Owner occupied or Second Home (First Mortgages up to $548,250) Loans over this amount are Jumbos

Product	Interest Rate	Points	Annual Percentage Rate (APR)	Payment per $1,000 Borrowed	Number of Payments
15 Year Fixed	2.750%	0.000	2.893%	$6.78	180
20 Year Fixed	3.000%	0.000	3.112%	$5.54	240
30 Year Fixed	3.375%	0.000	3.457%	$4.42	360
Payments shown do not include taxes or home owner's insurance. Your payment may be greater. Payments and rates based on 20% down payment for owner occupied or 35% down payment for second home and no mortgage insurance. Non-Owner occupied (First Mortgages up to $500,000)
15 Year Fixed	5.500%	0.000	5.672%	$8.17	180
Payment and rates based on 40% down payment and no mortgage insurance.

Adjustable Rates

Product	Interest Rate	Term	Points	Annual Percentage Rate (APR)	Payment per $1,000 borrowed	Fully Indexed Rate	Term	Payment per $1,000 borrowed
Owner occupied First Mortgage or Second Home
5/1 Adjustable	2.750%	5 years	0.000	2.827%	$4.08	2.750%	25 years	$4.08
7/1 Adjustable	2.875%	7 years	0.000	2.885%	$4.14	2.750%	23 years	$4.09
10/1 Adjustable	2.875%	10 years	0.000	2.903%	$4.14	2.750%	20 years	$4.10
Payments shown do not include taxes or home owner's insurance. Your payment may be greater. Payments and rates based on 20% down payment for owner occupied or 35% down payment for second home and no mortgage insurance. Rate may change after the account is opened. Non-Owner occupied
5/1 Adjustable	5.500%	5 years	0.000	3.832%	$5.67	2.750%	25 years	$4.26
10/1 Adjustable	5.750%	10 years	0.000	4.768%	$5.83	2.750%	20 years	$4.50
Payments and rates based on 40% down payment and no mortgage insurance. Rate may change after the account is opened.

First Time Home Buyer Program

Owner occupied First Mortgages up to $548,250 for 1-Unit Single-Family/Condominium and $702,000 for 2-Unit properties. Contact us for loan limits for multi-unit property.

Product	Interest Rate	Points	Annual Percentage Rate (APR)	Payment per $1,000 Borrowed	Number of Payments
ONE Mortgage	2.390%	0.000	2.465%	$3.89	360
Payments shown do not include taxes, home owner’s or mortgage insurance. Your payment may be greater. Payments and rates based on 3% down payment. Income and asset limitations may apply.

Product	Interest Rate	Term	Points	Annual Percentage Rate (APR)	Payment per $1,000 Borrowed	Fully Indexed Rate	Term	Payment per $1,000 borrowed
15/1 adjustable	2.875%	15 years	0.000	3.170%	$4.46	2.750%	15 years	$4.11
Your payment may be greater. Payments and rates for loans with mortgage insurance are based on a 3% down payment and include estimated mortgage insurance payment. Available for 1-Unit Single-Family, Condominium or 2-Unit properties. Payments shown do not include taxes or home owner's insurance. Rate may change after the account is opened.

Jumbo Fixed Rates

Owner Occupied and Second Home Loans are between $548,251 - $1,000,000

Product	Interest Rate	Points	Annual Percentage Rate (APR)	Payment per $1,000 borrowed	Number of Payments
15 Year Fixed	2.750%	0.000	2.789%	$6.78	180
20 Year Fixed	3.000%	0.000	3.032%	$5.54	240
30 Year Fixed	3.375%	0.000	3.399%	$4.42	360
Payments shown do not include taxes or home owner's insurance. Your payment may be greater. Payments and rates based on 20% down payment for owner occupied or 35% down payment for second home and no mortgage insurance.

Jumbo Adjustable Rates

Owner Occupied or Second Home Loans are between $548,251 - $1,000,000

Product	Interest Rate	Term	Points	Annual Percentage Rate (APR)	Payment per $1,000 borrowed	Fully Indexed Rate	Term	Payment per $1,000 borrowed
7/1 Adjustable	2.875%	7 years	0.000	2.828%	$4.14	2.750%	23 years	$4.09
10/1 Adjustable	2.875%	10 years	0.000	2.847%	$4.14	2.750%	20 years	$4.10
Payments shown do not include taxes or home owner's insurance. Your payment may be greater. Payments and rates based on 20% down payment for owner occupied or 35% down payment for second home and no mortgage insurance. Rate may change after the account is opened.

Home Equity Rates

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Residential Real Estate Loans for 1-4 Family Dwellings.

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All rates and terms are subject to change at any time.

Home Equity Loans (Owner Occupied/Second Home)

Product	Interest Rate	Points	Annual Percentage Rate (APR)	Payment per $1,000 borrowed	Number of Payments
5 Year Fixed	3.750%	0.000	3.750%	$18.30	60
10 Year Fixed	4.875%	0.000	4.875%	$10.55	120
15 Year Fixed	5.125%	0.000	5.125%	$7.97	180
20 Year Fixed	5.250%	0.000	5.250%	$6.74	240
Home Equity Loan Annual Percentage Rate is fixed for owner occupied or second homes. Loan to value not to exceed 75% of the tax assessed value for owner occupied and not to exceed 65% of the tax assessed value for second homes. The quoted rate assumes a monthly auto-payment from an established Century Bank checking Account. all others must add .50% to the quoted rates. Property insurance required.

Home Equity Lines of Credit

Product	Interest Rate	Points	Annual Percentage Rate (APR)	Payment per $1,000 borrowed	Number of Payments
Owner occupied or Second Homes 2.49% APR for 12 months*	3.240%	0.000	3.240%	n/a	n/a
Non-Owner Occupied	4.250%	0.000	4.250%	n/a	n/a
Annual Percentage Rate (APR) is variable and based on the Prime Rate minus .51% for 1-4 family owner occupied/second homes and Prime Rate plus 1.00% for non-owner occupied 1-4 family homes as published in the Wall Street Journal as of the last business day of the month effective with the first day of the following month. Rate may change after account opening. Lines have a 10 year draw period followed by a 10 year repayment period. Loan to value not to exceed 75% of the tax assessed value for owner occupied, not to exceed 65% of the tax assessed value for second homes and not to exceed 60% of the tax assessed value for non-owner occupied. Property insurance required. The quoted rate assumes a monthly auto-payment from an established Century Bank checking account, all others will be Prime Rate plus .50% for owner occupied/second homes and Prime Rate plus 1.50% for non-owner occupied homes. The APR will not exceed 18% and will not go below 3.240% for 1-4 family owner-occupied/second homes. For non-owner occupied 1-4 family homes, the APR will not exceed 18% and will not go below 4.000%. Early termination fee of $425 for lines over $25,000.00 applies if the line is closed within the first 36 months. *Annual Percentage Rate (APR) 2.49% is for new-to-the-bank borrowers only. The introductory rate is fixed for 12 months for 1-4 family owner-occupied/second homes. After the introductory period, APR on outstanding balance is variable and based on the Prime Rate minus .51% for 1-4 family owner occupied/second homes as published in the Wall Street Journal as of the last business day of the month effective with the first day of the following month. Early termination fee of $425 for lines over $25,000.00 applies if the line is closed within the first 36 months.

Personal Deposit Rates

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All rates and terms subject to change at any time.

Product	Minimum To Open	Min. Daily Balance To Earn Stated APY	Interest Rate	Annual Percentage Yield (APY)
Checking
Platinum Checking	$10	$10	0.05%	0.05%

Savings

Savings/Savings 18-65

$10

0.02%

Super Savings (Requires a monthly automatic transfer from checking of $50+)*

$10

0.10%

Money Market

Money Market Account

$10

0.02%

$10,000

0.05%

$25,000

0.08%

$50,000

0.10%

CDs/IRA CDs (Auto-Renewable)

1 month up to 3 months (J)

$500

N/A

0.10%

3 months up to 6 months (J)

$500

N/A

0.15%

6 months up to 1 year (J)

$500

N/A

0.20%

1 year up to 2 years (J)

$500

N/A

0.25%

2 years up to 3 years

$500

N/A

0.35%

3 years up to 5 years

$500

N/A

0.40%

5 years

$500

N/A

0.40%

Other Individual Retirement Options

IRA Savings

$100

N/A

0.10%

Any Annual Percentage Yield (APY) assumes all balances, principal plus interest will remain on deposit until maturity for account with terms, or for at least one year on accounts with no term. Interest is compounded monthly. All rates are subject to change after account opening except Certificate of Deposit (CD) rates which are fixed for the term. Withdrawals or fees could reduce earnings on these accounts. Please call Customer Service at (866) 823-6887 for more details, to hear about other rates available and complete disclosure on our CD. Withdrawals from CD accounts prior to maturity requires the consent of the Bank. Penalties are imposed for early withdrawals from CD accounts.

(J) This product is available as a Jumbo for deposits over $250,000. Call for quotes on longer term options.

*For new-to-the-bank money only, else contact your local branch for other rates.

Personal Loan Rates

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All rates and terms are subject to change at any time.

Personal Loans

Product	Annual Percentage Rate (APR)
Mass Save® HEAT Loan	0%
Personal Line of Credit (A)	8.00%
Overdraft Protection Line of Credit (B)	18.00%
Unsecured Loan (C)	12.50%

Auto Loans

Product	Annual Percentage Rate (APR)	Payment per $1,000 borrowed
New Auto (D) 36 months	4.99%	$29.97
New Auto (D) 48 months	4.99%	$23.02
New Auto (D) 60 months	5.50%	$19.10
Used Auto (D) Up to 48 months	6.99%	$23.94

Other Loan

Product	Annual Percentage Rate (APR)
Deposit Secured Loan	Deposit Rate + 3% or 6.00%, whichever is greater
(A) Product is a variable Prime + 4.00%. Personal Lines of Credit is accessible by check. The annual percentage rate (APR) is variable and based on the Prime Rate plus 4.00% as published in the Wall Street Journal as of the last business day of the month effective with the first day of the following month. Maximum line amount is $10,000. The Maximum APR is 18.00% and will not go below 8.00%. (B) Overdraft Protection Line of Credit, linked to your personal checking account, maximum line is $10,000 and has a $25.00 annual fee. (C) Unsecured loan rates are quoted with a .50% reduction assuming a monthly auto-payment from an established Century Bank checking account. Unsecured installment loans up to a maximum of $25,000. Various repayment terms available. (D) Auto loan rates are quoted with a .50% reduction assuming a monthly auto-payment from an established Century Bank checking account. New auto loans up to 80% financed and used auto loans up to 80% of NADA finance value or 80% of purchase price, whichever is lower. Subject to credit approval. Some restrictions may apply. Subject to eligibility for credit approval.

Business Loan and Deposit Rates

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All rates and terms are subject to change at any time.

Business Accounts

Product	Minimum To Open	Min. Daily Balance To Earn Stated APY	Interest Rate	Annual Percentage Yield (APY)
Bronze Business Checking (Sole Prop/Not-For-Profit)	$1	$10	0.02%	0.02%
Business Savings	$1	$10	0.02%	0.02%
Super Savings (Requires a monthly auto transfer from checking of $50+)	$10	$10	0.10%	0.10%
Business Money Market	$1	$10	0.02%	0.02%
		$25,000	0.05%	0.05%
		$50,000	0.08%	0.08%
		$100,000	0.10%	0.10%
IOLTA	$1	n/a	0.20%	0.20%

Business Loan and Line of Credit

Product	Interest Rate
Business Loan & Line of Credit Guaranteed for 12 Months	3.99%
For new-to-the-bank business borrowers only and is subject to credit approval.

REPO

Balance Level	Interest Rate
$100,000	0.05%
$500,000	0.10%
$750,000	0.10%
$1,000,000	0.10%
$2,500,000	0.15%