The Chicopee Savings Bank lending area is:
  • Western Massachusetts
    • Hampden
    • Hampshire
    • Franklin Counties
  • Northern Connecticut
    • Hartford County

      Rates are current as of the date below and are subject to change without notice. Terms and rates will be confirmed after receipt of your application by one of our Chicopee Savings Loan Representatives. APR's on mortgage loans assume a 20% down payment.

       

      Rates as of Tuesday, January 6, 2009
      Points Interest Rate APR Payment per $1,000 Apply
      PURCHASE - Max LTV 95% -- REFINANCE Max LTV 80%
      Permanent Construction Loans - Max. 80% LTV -- OTHER TERMS AVAILABLE
      1/1 ARM Const. perm. - 30 year
      1.000 5.000% 3.402% $5.37
      3/3 ARM Const. perm - 30 Year
      1.000 5.250% 4.229% $5.52
      5/1 ARM Const. perm. - 30 Year
      1.000 5.500% 4.090% $5.68
      6/5 ARM Const. perm. 30 Year
      1.000 5.625% 4.893% $5.76
      7/1 ARM Const. perm - 30 Year
      1.000 5.750% 4.503% $5.84
      10/1 ARM Const. perm - 30 Year
      1.000 5.750% 4.897% $5.84
      Builder Construction Loan - 80% LTV
      Fixed Rate 1 Year - Interest Only
      0.500 6.500% 0.000% $0.00
      Investment Real Estate. Non-Owner Occupied 1-8 Family. 20% Minimum down payment.
      3/3 ARM - 20 Year
      0.000 6.000% 0.000% $7.16
      5/1 ARM - 20 Year
      0.000 6.250% 0.000% $7.31
      7/1 ARM - 20 Year
      0.000 6.500% 0.000% $7.46
      10/1 ARM - 20 Year
      0.000 6.500% 0.000% $7.46
      Land Loans - 3 Year Fixed Rate Interest Only - Max 70% LTV
      0.500 6.750% 0.000% $0.00
      1/1 ARM - 15 Year
      0.000 5.000% 3.910% $7.91
      3/3 ARM - 15 Year
      0.000 5.250% 4.834% $8.04
      5/1 ARM - 15 Year
      0.000 5.500% 5.014% $8.17
      6/5 ARM - 15 Year
      0.000 5.625% 5.589% $8.24
      7/1 ARM - 15 Year
      0.000 5.750% 5.570% $8.30
      10/1 ARM - 15 Year
      0.000 5.750% 5.944% $8.30
      1/1 ARM - 30 Year
      0.000 5.000% 3.942% $5.37
      3/3 ARM - 30 Year
      0.000 5.250% 4.780% $5.52
      5/1 ARM - 30 Year
      0.000 5.500% 4.645% $5.68
      6/5 ARM - 30 Year
      0.000 5.625% 5.439% $5.76
      7/1 ARM - 30 Year
      0.000 5.750% 5.103% $5.84
      10/1 ARM - 30 Year
      0.000 5.750% 5.499% $5.84
      1/1 ARM - 25 Year
      0.000 5.000% 3.869% $5.85
      3/3 ARM - 25 Year
      0.000 5.250% 4.717% $5.99
      5/1 ARM - 25 Year
      0.000 5.500% 4.661% $6.14
      6/5 ARM - 25 Year
      0.000 5.625% 5.398% $6.22
      7/1 ARM - 25 Year
      0.000 5.750% 5.145% $6.29
      10/1 ARM - 25 Year
      0.000 5.750% 5.546% $6.29
      1/1 ARM - 20 Year
      0.000 5.000% 3.876% $6.60
      3/3 ARM - 20 Year
      0.000 5.250% 4.755% $6.74
      5/1 ARM - 20 Year
      0.000 5.500% 4.798% $6.88
      6/5 ARM - 20 Year
      0.000 5.625% 5.472% $6.95
      7/1 ARM - 20 Year
      0.000 5.750% 5.319% $7.02
      10/1 ARM - 20 Year
      0.000 5.750% 5.719% $7.02
      • Mortgage loans with a loan-to-value ratio of over 80% require Private Mortgage Insurance.
      • The above points and rates assume a mortgage for the first lien purchase/refinance of a single family, owner occupied primary residence. Other restrictions may apply.
      **ARM - Adjustable Rate Mortgages - The rate of interest may increase during the life of the loan. An increase in the interest rate will result in a higher monthly payment. 
      • Home Equity Lines of Credit closed within 24 months will be subject to a $325. Retirement Fee.
      • Due to market fluctuations programs, rates, terms and conditions are subject to change without notice.

      Equal House Lender        

      Member Bank DIF - Deposit Insurance Since 1934  

       FDIC


      Each depositor insured to at least $250,000 by the Federal Deposit
      Insurance Corporation (FDIC); all deposits above this amount are
      insured by the Depositors Insurance Fund (DIF).

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