Mortgage Rates

Billerica Branch Remains Open During Road Construction

Beginning February 9, northbound Route 3A will be closed between Webb Brook Road and Tower Farm Road, Monday–Friday from 9:00 a.m. to 3:00 p.m. due to roadway construction. Traffic will be detoured, and business access will be permitted.

The Billerica branch will be open until 5:00 p.m. on weekdays while the road closure is in effect.

Customers may also use Video Banking during regular business hours, Online and Mobile Banking 24/7, or visit our Stoneham branch for in-person service.

Fixed Mortgage Rates

Effective as of 2/13/2026

Term	Rate	APR^1,3	Monthly P&I ²Payment (per $1,000) Payment amounts do not include taxes and insurance. Your payments may be greater.
30-Year Fixed Rate	5.875%	5.948%	$5.92 (360 payments)
20-Year Fixed Rate	5.750%	5.847%	$7.02 (240 payments)
15-Year Fixed Rate	5.125%	5.241%	$7.97 (180 payments)

All rates are subject to change without notice. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

¹Annual Percentage Rate (APR) is based on a single-family primary residence property and is subject to change based on factors such as points, loan amount, loan-to-value, borrowers credit, property type, and occupancy. All rates subject to change without notice. Subject to credit approval.

²Principal and Interest (P&I)

³Annual Percentage Rate (APR) above is based on a loan amount of $400,000, for owner-occupied property or 2^nd homes with a 80% or lower Loan to Value (LTV) and FICO Score of 700 or 75% or lower LTV and FICO Score of 680. The property is located in MA or Southern New Hampshire. Rates may vary based on other scenarios.