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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 4.50% 0 4.50% $10.36
15 Years 4.50% 0 4.50% $7.65
20 Years 5.00% 0 5.00% $6.60
25 Years 5.50% 0 5.50% $6.14
30 Years 5.75% 0 5.75% $5.85
Effective May 24, 2010        
Payment does not include insurance and taxes and will be greater if the loan is a 1st lien.        

Adjustable Rate Mortgages
Program Rates Points APR* Payment per $1,000 borrowed
3 Year ARM
Caps 3%/5%
4.500% 0 4.870% Payments 1-36: $5.07
      Payments 37-360: $5.34
Fully Indexed Rate 5.000% 0 5.000%  
7/3 ARM
Caps 3%/5%
5.000% 0 5.000% Payments 1 - 84: $5.37
      Payments 85 - 360: $5.37
Fully Indexed Rate 5.000% 0 5.000%  
Effective May 24, 2010 Maximum Term 30 Years. Up to 80% of property value available for 1-4 family owner occupied homes. APR may change after consumation.        
Payment does not include insurance and taxes and will be greater if the loan is a 1st lien.        

First Time Home Buyer
Term Rates Points APR* Payment per
$1,000
borrowed
20 Years 5.00% 0 5.00% $6.60
25 Years 5.50% 0 5.50% $6.14
30 Years 5.50% 0 5.50% $5.68
Effective May 24, 2010
Fixed Rate.
Up to 90% financing on 1-4 family
owner occupied homes with no PMI.
       
       
       
20 Years 4.75% 0 4.75% $6.46
25 Years 5.25% 0 5.25% $5.99
30 Years 5.25% 0 5.25% $5.52
Effective May 24, 2010.
Fixed Rate.
Up to 95% financing on 1-4 family
owner occupied homes with PMI required on more than 80% financing.
       
Payment does not include insurance and taxes and will be greater if the loan is a 1st lien.        

*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