Rick R. Gurney Executive Vice President
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Banking the way you like it. Adams Co-Operative Bank Member FDIC / Member SIF
Rates & Calculators

Mortgage Rates

Fixed Rate Mortgages
Term Rate Points APR* Payment per $1,000 borrowed
10 Years 5.50% 0 5.50% $10.85
15 Years 5.75% 0 5.75% $8.30
20 Years 6.00% 0 6.00% $7.16
30 Years 6.50% 0 6.50% $6.32
Effective May 7, 2008        

Adjustable Rate Mortgages
Program Rates Points APR* Payment per $1,000 borrowed
3 Year ARM
Caps 3%/5%
5.50% 0 5.87% Payments 1-36: $5.68
      Payments 37-360: $5.97
7/3 ARM
Caps 3%/5%
5.75% 0 5.88% Payments 1 - 84: $5.84
      Payments 85 - 360: $5.97
       
Effective May 7, 2008. Maximum Term 30 Years. Up to 80% of property value available for 1-4 family owner occupied homes. APR may change after consumation.        

First Time Home Buyer
Term Rates Points APR* Payment per
$1,000
borrowed
20 Years 5.75% 0 5.75% $7.02
25 Years 6.25% 0 6.25% $6.60
30 Years 6.25% 0 6.25% $6.16
Effective May 7, 2008.
Fixed Rate.
Up to 90% financing on 1-4 family
owner occupied homes with no PMI.
       
       
       
20 Years 5.50% 0 5.50% $6.88
25 Years 6.00% 0 6.00% $6.44
30 Years 6.00% 0 6.00% $6.00
Effective May 7, 2008.
Fixed Rate.
Up to 95% financing on 1-4 family
owner occupied homes with PMI required on more than 80% financing.
       

*APR is defined as the Annual Percentage Rate.

Banking the way you like it
For more information about our products and services, please use our information request form, stop by any office or call (413) 743-0001 to speak with a member of our staff.

Adams Co-Operative Bank • Adams 93 Park Street 743-0001 • North Adams 31 Eagle Street 664-4571 • Lanesboro 545 South Main Street 443-4070 • Equal Housing Lender