*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. Fees may reduce earnings on an account. A substantial penalty may be imposed for early withdrawal of time accounts. Certificates of Deposit accounts earn a fixed rate of interest until maturity. All deposits are insured in full by the FDIC up to $100,000 and by the DIF on amounts in excess of FDIC coverage. The APY assumes interest remains on deposit until maturity.
*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. Fees may reduce earnings on an account. A substantial penalty may be imposed for early withdrawal of time accounts. Individual Retirement Accounts earn a fixed rate of interest until maturity. All deposits are insured in full by the FDIC up to $100,000, up to $250,000 for retirement accounts, and by the DIF on amounts in excess of FDIC coverage.
*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. Fees may reduce earnings on an account. The rate on accounts is variable and may change after the account is opened. All deposits are insured in full by the FDIC up to $100,000, up to $250,000 for retirement accounts, and by the DIF on amounts in excess of FDIC coverage. ** This Account is only available with Pinnacle Checking.
*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. Fees may reduce earnings on an account. The rate on accounts is variable and may change after the account is opened. All deposits are insured in full by the FDIC up to $100,000, up to $250,000 for retirement accounts, and by the DIF on amounts in excess of FDIC coverage.
*Annual Percentage Rate (APR) accurate as of the Effective Date listed above. All APRs listed above are based on a $100,000 mortgage and assume a 20% downpayment. Financing is available up to 97% Loan-to-Value. Private Mortgage Insurance (PMI) required if the downpayment is less than 20%. PMI may increase the APR. Rates on all ARM products may change after consummation of the loan and may increase. Other terms and limitations may apply. Loans subject to credit application and approval.
*The Annual Percentage Rate (APR) is accurate as of the Effective Date listed above. All APRs listed above are based on a $100,000 mortgage, assume a 20% downpayment and are for loans up to $417,000. Financing is available up to 97% Loan-to-Value. Private Mortgage Insurance (PMI) required if the downpayment is less that 20%. PMI may increase the APR. Other terms and limitations may apply. Loans subject to credit application and approval.
*Annual Percentage Rate (APR) for Home Equity Loans is accurate as of the Effective Date listed above. Minimum loan is $10,000. You may borrow up to $85% of appraised value. Property insurance required. Flood Insurance required where applicable. Available for owner-occupied 1-4 family residences. Loans subject to credit application and approval.
*The Annual Percentage Rate (APR) is based on the Prime Rate as published in The Wall Street Journal as of the Effective Date shown above, currently 5.00%, and may vary monthly. Minimum monthly payment during the 10-year draw period is interest-only. During the 10-year repayment period, the minimum payment is 2.00% of the outstanding principal balance plus the accrued interest; balloon payment may result. New Home Equity Lines only, Minimum draw/advance required at time of closing is $10,000. To qualify for this rate, you must either open or have an existing Hoosac Bank or Williamstown Savings Bank Checking account with direct deposit. You may borrow up to 80% of appraised value for this promotion. Maximum annual percentage rate is 18%. Property insurance required. Flood insurance required where applicable. Available for owner-occupied 1-4 family residences. Loans subject to credit application and approval. There are fees associated with Home Equity Lines, which will be waived if you establish a deposit relationship with Hoosac Bank or Williamstown Savings Bank. These costs range between $49 and $500. Loans subject to credit application and approval.
Annual Percentage Rate (APR) accurate as of the Effective Date listed above. All APRs listed above assume a 20% downpayment. Other terms and conditions exist. Loans subject to credit application and approval.
Annual Percentage Rate (APR) accurate as of the Effective Date listed above. Rates are subject to change without notice. Loans subject to credit application and approval.
Annual Percentage Rate (APR) accurate as of the Effecitve Date listed above. Rates are subject to change without notice. Loans subject to credit application and approval.
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Hoosac Bank and Williamstown Savings Bank are wholly owned subsidiaries of MountainOne Financial Partners, MHC Privacy Policy / Terms & Conditions
93 Main Street, North Adams, MA 413-663-5353 / 296 Main Street, Williamstown, MA 413-458-9503
Member FDIC / Member DIF
