APY = Annual Percentage Yield

Checking Accounts

Rates effective as of 12/03/2014.

ProductMinimum to OpenMinimum Balance to Obtain APYInterest RateAPY
Premier Checking$100$100.05%0.05%
Choice Plus Checking$100$100.05%0.05%
Business Checking Account(ECR) 0.20%

The Earnings Credit Rate (ECR) is variable. Earnings Credit is calculated using the average monthly collected balance in your account and is used to offset regular account maintenance fees.

Savings Accounts

Rates effective as of 12/03/2014.

ProductMinimum to OpenMinimum Balance to Obtain APYInterest RateAPY
Passbook Savings$100$100.10%0.10%
Statement Savings$100$100.10%0.10%
Quarterly Statement Savings$100$100.10%0.10%
Club Account$20.15%0.15%
Consumer Money Market Account$1,000$100,000 or more0.30%0.30%
$50,000 - $99,999.990.20%0.20%
$15,000 - $49,999.990.15%0.15%
$10 - $14,999.990.10%0.10%
Commercial Money Market Account$1,000$500,000 or more0.15%0.15%
$200,000 - $499,999.990.35%0.35%
$100,000 - $199,999.990.25%0.25%
$50,000 - $99,999.990.15%0.15%
$15,000 - $49,999.990.10%0.10%
$10 - $14,999.990.05%0.05%
Charles River Bank Fund Account$10$50,000 and over0.35%0.35%
$15,000 - $49,999.990.25%0.25%
$10 - $14,999.990.10%0.10%

Certificate of Deposit

Rates effective as of 12/03/2014.

TermMinimum BalanceInterest Rate PaidAPY
7 Month Special$1,0000.35%0.35%
13 Month Special$1,0000.65%0.65%
23 Month Special$1,0000.80%0.80%
3 Month$1,0000.10%0.10%
6 Month$1,0000.10%0.10%
12 Month$1,0000.20%0.20%
18 Month$1,0000.25%0.25%
24 Month$1,0000.35%0.35%
30 Month$1,0000.40%0.40%
36 Month$1,0000.60%0.60%
42 Month$1,0001.00%1.00%
48 Month$1,0001.35%1.35%
60 Month$1,0001.34%1.35%

Individual Retirement Accounts

Rates effective as of 12/03/2014.

TermMinimum BalanceInterest Rate PaidAPY
7 Month Special$4000.35%0.35%
13 Month Special$4000.65%0.65%
23 Month Special$4000.80%0.80%
3 Month$4000.10%0.10%
6 Month$4000.10%0.10%
12 Month$4000.20%0.20%
18 Month$4000.25%0.25%
24 Month$4000.35%0.35%
30 Month$4000.40%0.40%
36 Month$4000.60%0.60%
42 Month$4001.00%1.00%
48 Month$4001.34%1.35%
60 Month$4001.34%1.35%

Consumer Loan Rates

Rates effective as of 12/16/2014.

Auto Loan Rates

Auto Loan RatesTermAPRMonthly Payment per $1000 Borrowed
New Auto (2014)60 Months4.00%*$18.42
48 Months3.90%*$22.54
36 Months3.75%*$29.42
Used Auto (2009 through 2013)48 Months4.00%*$22.59
36 Months**3.90%*$29.49
24 Months3.75%*$43.32

Overdraft Line of Credit

TermAPRAdditional Information
Overdraft Line of CreditRevolving18.00%Available on any CRB personal checking account. $25 Annual Fee.

Home Equity

Rates effective as of 12/16/2014.

No Points No Closing Costs **
Home Equity Line of Credit* 20 Year Term
Current APR is 2.75%
Prime Rate - .50% for Life of Loan for Lines of Credit $100,500 to $150,000***
APRCurrent Prime Rate - .50% is 2.75%†

Fixed Rate Home Equity Loans

Loan TypeRatePointsAPRP&I Pmt PER $1000
5 Years2.990%*0.002.990%*$17.96
Without Autopay3.490%0.003.490%$18.19
10 Years3.490%*0.003.490%*$9.88
Without Autopay3.990%0.003.990%$10.12
12 Years3.790%*0.003.790%*$8.65
Without Autopay4.290%0.004.290%$8.90
15 Years3.990%*0.003.990%*$7.39
Without Autopay4.490%0.004.490%$7.65

Mortgage Loan Rates

Rates effective as of 12/16/2014.

For more information, or to apply now, visit our Online Mortgage Center.

Mortgage ProgramPointsInterest RatesAPR1$ Per $1000
30 Year Fixed23.500%3.695%$4.49
30 Year Fixed13.625%3.738%$4.56
30 Year FixedNo Points3.750%3.781%$4.63
30 Year FixedNo Points
No Closing Costs
20 Year Fixed23.250%3.521%$5.67
20 Year Fixed13.500%3.657%$5.80
20 Year FixedNo Points3.625%3.668%$5.86
20 Year FixedNo Points
No Closing Costs
15 Year Fixed22.625%2.969%$6.73
15 Year Fixed12.750%2.949%$6.79
15 Year FixedNo Points3.000%3.055%$6.91
15 Year FixedNo Points
No Closing Costs
10 Year FixedNo Points2.875%2.955% $9.60
5/1 Adjustable - 30 Year MortgageNo Points3.125%3.001%$4.28

Payments do not include amounts for taxes and insurance premiums.

TypeMaximum Amount2
One Unit$417,000.00
Two Units$533,850.00
Three Units$645,300.00
Four Units$801,950.00

Purchases Primary Residence Only - (other rates available for condos and second homes)

Term in YearsPointsInterest Rate3APR$ per $1000
Jumbo Loan Rate3004.500%4.524%$5.07
Jumbo Loan Rate

5/1 Year Adjustable

3003.375% 3.066%$4.42

For more information, or to apply now, visit our Online Mortgage Center.

$100,000 minimum balance/0 points, no closing costs are available.

1. Annual Percentage Rates (APRs) as of 12/16/2014 based upon a $100,000 loan for a conventional loan and $500,000 for a fixed rate jumbo loan, for owner-occupied properties, 1-4 family residences, and subject to change. Mortgage APRs based on 25% down payment for purchases and 60% LTV for cash out refinances (fixed rate loans). Rates based upon a 30 day closing. Adjustable Rate Mortgage APRs are subject to increase throughout the repayment period. Rates based on final credit decision and may be priced for risk. Maximum loan-to-value (LTV) for First Time Homebuyer program is 95%, and income restrictions apply. Maximum LTV for all other mortgages is 90% for purchases and no-equity out refinances. Based on 0 points, maximum 75% LTV for purchases or maximum 60% LTV for cash-out refinance. PROMOTION - Not available for refinance of existing Charles River Bank. Monthly payment DOES NOT include insurance and taxes. No Points No Closing (0/0): There are costs associated with these loan products. Costs are prepaid interest, tax escrow and PMI if applicable, all other fees are paid by Charles River Bank. The Bank will pay the appraisal fee up to $350.00. 0/0 - No points/No closing costs $100,000 minimum mortgage. 0/0 product offered for single owner occupied properties. Ask about MassHousing products, rates, services, low down payments and discounted Mortgage Insurance premiums.

2. Limits vary per State/Country

3. Jumbo rates determined by loan-to-value/primary vs. non-primary residences. Monthly reserves required.

Rates are subject to change without notice. Fees could reduce the earnings on these accounts. A penalty will be imposed for early withdrawal on Certificates of Deposit. Rates are guaranteed for the length of the term on fixed rate certificates. For variable rate accounts, the rate may change after the account is opened. All deposits are insured in full by the FDIC to $250,000 and by the SIF on amounts in excess of $250,000.