We offer competitive rates and personal attention.

Whether it’s a new home, first home, or dream home, we have the mortgage and loan solutions to help you finance it. Not only do we offer competitive rates but we also provide the personal attention to help you navigate the mortgage process. 

Fixed Rate 1st Lien Mortgage Rates

Rates effective as of 10/18/2021

Monthly payment does not include an escrow payment for real estate taxes, homeowner's insurance, private mortgage insurance or flood insurance. Your actual payment may be greater.

APR = Annual Percentage Rate.  All APR's based on $548,250 loan amount with 20% down.  The rate is for an existing single family property and will be used as a primary residence.  APR assumes the purpose of the loan is a purchase transaction with a minimum FICO credit score of 740.  Loan amount cannot exceed Fannie Mae Conforming loan limits.  Your actual rate, payment and costs could be higher.  All rates and APR’s are subject to change without notice.  Get an official Loan Estimate.  Consult your tax advisor about deductibility of interest and charges.

*All borrowers must be a First Time Homebuyer may not own any other real estate, homebuyer education required.  MassHousing's income and acquisition costs limits apply.





For questions regarding rates on construction and residential lot loans, please reach out to one of our Mortgage Consultants.

Adjustable Rate Mortgage Rates

Rates effective as of 09/14/2021

Interest rate and monthly principal and interest payment stay the same for the initial 7 years then the payment will move up or down as interest rates fluctuate.
Monthly payment does not include an escrow payment for real estate taxes, homeowner's insurance, private mortgage insurance or flood insurance. Your actual payment may be greater.

APR = Annual Percentage Rate.  All APR's based on $548,250 loan amount with 20% down.  The rate is for an existing single family property and will be used as a primary residence.  At least one applicant must be a first time homebuyer.  May not own any residential property.  Homebuyer education is required.  Your actual rate, payment and costs could be higher.  All rates and APR’s are subject to change without notice.  Get an official Loan Estimate.  Consult your tax advisor about deductibility of interest and charges.

The interest on the adjustable rate mortgage may increase after the initial period.  The fully indexed rate is equal to a margin of 2.75% plus the current UST1YW index.  Information about the index is available in the Federal Reserve Board published weekly in the Wall Street Journal.  Ask a mortgage consultant about the Bank’s ARM product disclosures and the Consumer Handbook on Adjustable Rate Mortgages.

Home Equity Loan Rates

Rates effective as of 09/14/2021

Monthly payment does not include an escrow payment for real estate taxes, hazard insurance or flood insurance. Your actual payment may be greater.

APR = Annual Percentage Rate.  All APR's based on $100,000. The interest rates and annual percentage rates (APRs) shown above are subject to change without notice. Get an official Loan Estimate. Consult your tax advisor about deductibility. Adequate homeowner's insurance coverage is required. If an appraisal is required for your request the cost will be between $350 to $400, depending on the state in which the property is located. 2-4 family owner occupied properties may exceed these amounts.

Premium Home Equity Loan

Rates effective as of 10/20/2021


Monthly payment does not include an escrow payment for real estate taxes, homeowner’s insurance, private mortgage insurance or flood insurance. Your actual payment may be greater.


The Annual Percentage Rate (APR) is a fixed rate. APR based on $100,000 loan amount. All rates and APR’s are subject to change without notice. Get an official Loan Estimate. Consult your tax advisor about deductibility of interest and charges.

Recording fees to record a mortgage discharge, trustee certificate, or other items to clear title to be paid by the borrowers(s). If property is in a special flood hazard area, flood insurance will be required and will be escrowed. All applicants must be present to apply when applying at a branch. The Premium Home Equity Loan product will be the 1st & only lien on a property. There is an early termination fee of $300.00 if the loan is closed within the first 3 years. Loan-to-value: 70% LTV based on AVM / 80% LTV based on appraisal. Rate subject to change at any time. Loans are subject to credit approval and restrictions may apply. Offer is available to all qualified applicants.

Home Equity Lines of Credit

Rates effective as of 10/19/2021


Monthly payment does not include an escrow payment for real estate taxes, homeowner's insurance, private mortgage insurance or flood insurance. Your actual payment may be greater.

*Special Home Equity Line of Credit Details: This product has a variable rate interest rate. The introductory rate of 2.25% APR is fixed for the initial 12 month period. After the initial 12 months, the interest rate will vary based on the domestic Prime Rate as published in the Wall Street Journal on the last day of the previous month.  As of October 19, 2021, the prime rate was 3.25%. After the first 12 months, the APR will adjust monthly to the prevailing Prime Rate at that time, but the rate will never be less than 3.00% APR and will never exceed an APR of 18.00%. 
 
Automatic payment withdrawal from a Bristol County Savings Bank personal checking account required to be eligible. Minimum draw of $10,000.00 at account opening.
 
Subject to credit approval. Other terms and conditions may apply. Ask us for details.
 
*APR = Annual Percentage rate.  All APR’s are based on $100,000. The interest rate and annual percentage rate (APR’s) shown above are subject to change without notice Consult your tax advisor about deductibility.  Adequate homeowner’s coverage is required. If an appraisal is required for your request, the cost will range between $350.00 to $400.00 depending on the state in which the property is located for a single family owner-occupied property. 2-4 family owner-occupied properties may exceed these amounts.

**Home Equity Line of Credit Details: This product has a variable rate interest rate and is based on the domestic Prime Rate as published in the Wall Street Journal on the last day in the Wall Street Journal on the last day of the previous month.  As of October 19, 2021, the prime rate was 3.25%.  The APR will adjust monthly to the prevailing Prime Rate at that time, but the rate will never be less than 3.00% APR and will never exceed an APR of 18.00%.
 
Subject to credit approval. Other terms and conditions may apply. Ask us for details.
 
*APR = Annual Percentage rate.  All APR’s are based on $100,000. The interest rate and annual percentage rate (APR’s) shown above are subject to change without notice. Consult your tax advisor about deductibility.  Adequate homeowner’s coverage is required. If an appraisal is required for your request, the cost will range between $350.00 to $400.00 depending on the state in which the property is located for a single family owner-occupied property. 2-4 family owner-occupied properties may exceed these amounts.

Ask our mortgage consultants.

Take advantage of our experienced mortgage consultants. They can help you find the right home financing solution that's best for you.

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