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Current Rates

Rates effective as of July 3, 2008. Subject to change without notice.

First-Time Homebuyer Programs
1-4 Family Owner Occupied Only Rate Points Annual Percentage Rate
(APR)*		 Monthly Payment Per $1,000
MassAdvantage
30 Year Fixed
(Up to 97% Financing)		 6.625% 0.00 7.386% $6.40
MassAdvantage 97 Lower Income
30 Year Fixed
(Up to 97% Financing)		 6.375% 0.00 7.131% $6.24
Homestart 5/1 ARM
30 Year
(Caps 2/6 - Margin 2.750)		 5.375% 0.00 5.363% $5.60
* APR based upon 20% down payment.
Fixed Rate Conforming - First Mortgage Loans
1-4 Family Owner Occupied Rate Points Annual Percentage Rate
(APR)*		 Monthly Payment Per $1,000
40 Year 6.375% 2.00 6.601% $5.77
40 Year 6.750% 1.00 6.896% $6.03
40 Year 6.875% 0.00 6.936% $6.12
40 Year
(No Points/No Closing Costs Minimum Loan Amount $150,000)		 7.625% 0.00 7.625% $6.67
30 Year 6.125% 2.00 6.385% $6.08
30 Year 6.250% 1.25 6.439% $6.16
30 Year 6.500% 0.00 6.569% $6.32
30 Year
(No Points/No Closing Costs Minimum Loan Amount $150,000)		 7.000% 0.00 7.000% $6.65
15 Year 5.625% 1.75 6.010% $8.24
15 Year 5.875% 1.00 6.144% $8.37
15 Year 6.250% 0.00 6.363% $8.57
15 Year
(No Points/No Closing Costs Minimum Loan Amount $150,000)		 6.750% 0.00 6.750% $8.85
1-4 Family Non-Owner Occupied (Investment) Rate Points Annual Percentage Rate
(APR)*		 Monthly Payment Per $1,000
40 Year 7.125% 1.00 7.276% $6.31
30 Year 6.750% 1.00 6.920% $6.49
15 Year 6.375% 1.00 6.598% $8.62
* APR based upon 20% down payment.
PRICING ADJUSTMENTS MAY APPLY BASED UPON CREDIT SCORE, LOAN-TO-VALUE, PROPERTY TYPE, AND/OR OCCUPANCY.
Other terms also available - Please call for pricing.
Fixed Rate - Jumbo/Conforming
1 Family Owner Occupied Only Rate Points Annual Percentage Rate
(APR)*		 Monthly Payment Per $1,000
30 Year 6.625% 1.00 6.736% $6.40
30 Year 6.875% 0.00 6.888% $6.57
* APR based upon 20% down payment.
PRICING ADJUSTMENTS MAY APPLY BASED UPON CREDIT SCORE, LOAN-TO-VALUE, PROPERTY TYPE, AND/OR OCCUPANCY.
Please call for pricing.
Adjustable Rate - Conforming Loans
1-4 Family Owner Occupied Rate Points Annual Percentage Rate
(APR)*		 Monthly Payment Per $1,000
1/1 ARM
(Caps 2/6 - Margin 2.75)		 4.625% 1.00 5.346% $5.14
1/1 ARM
(Caps 2/6 - Margin 2.75)		 4.875% 0.00 5.279% $5.29
3/1 ARM
(Caps 2/6 - Margin 2.75)		 5.000% 1.00 5.342% $5.37
3/1 ARM
(Caps 2/6 - Margin 2.75)		 5.250% 0.00 5.314% $5.52
5/1 ARM
(Caps 2/6 - Margin 2.75)		 5.250% 1.00 5.405% $5.52
5/1 ARM
(Caps 2/6 - Margin 2.75)		 5.500% 0.00 5.411% $5.68
5/3 ARM
(Caps 2/6 - Margin 2.875)		 5.375% 1.00 5.914% $5.60
5/3 ARM
(Caps 2/6 - Margin 2.875)		 5.625% 0.00 5.919% $5.76
7/1 ARM
(Caps 2/6 - Margin 2.875)		 5.625% 1.00 5.659% $5.76
7/1 ARM
(Caps 2/6 - Margin 2.875)		 5.875% 0.00 5.695% $5.92
10/1 ARM
(Caps 5/2/6 - Margin 2.875)		 6.000% 1.00 5.947% $6.00
10/1 ARM
(Caps 5/2/6 - Margin 2.875)		 6.250% 0.00 6.020% $6.16
1-4 Family Non-Owner Occupied Rate Points Annual Percentage Rate
(APR)*		 Monthly Payment Per $1,000
1/1 ARM
(Caps 3/6 - Margin 3.25)		 5.250% 1.00 5.861% $5.52
1/1 ARM
(Caps 3/6 - Margin 3.25)		 5.500% 0.00 5.792% $5.68
3/1 ARM
(Caps 3/6 - Margin 3.25)		 5.625% 1.00 5.877% $5.76
3/1 ARM
(Caps 3/6 - Margin 3.25)		 5.875% 0.00 5.848% $5.92
5/1 ARM
(Caps 3/6 - Margin 3.25)		 5.875% 1.00 5.960% $5.92
5/1 ARM
(Caps 3/6 - Margin 3.25)		 6.125% 0.00 5.965% $6.08
5/3 ARM
(Caps 3/6 - Margin 3.25)		 6.000% 1.00 6.389% $6.00
5/3 ARM
(Caps 3/6 - Margin 3.25)		 6.250% 0.00 6.394% $6.16
* APR based upon 20% down payment.

All adjustable rates are for mortgages up to $600,000. Other terms also available - Please call for pricing. APRs on adjustable rate loans may vary and rates may increase after consumation of the loan.
Home Equity Programs
1-4 Family Owner Occupied Only Rate Points Annual Percentage Rate
(APR)		 Monthly Payment Per $1,000
Equity Edge Loan
(10 Year Fixed Rate Term)		 5.990% 0.00 5.996% $11.10
Equity Edge Loan
(20 Year Fixed Rate Term)		 6.750% 0.00 6.754% $7.60
Equity Edge Line of Credit
(10 Year Draw Period - 10 Year Repayment) **		 4.500% 0.00 4.505% $8.90
** Discounted rate of Prime Rate minus 0.50% APR in effect for the life of the credit line. APR is a variable rate adjusted monthly equal to the highest Prime Rate listed in the Wall Street Journal on the last business day of each month minus 0.50% and is subject to change. This rate applies with automatic deduction of your monthly payment from a Winter Hill Bank Checking Account. Without automatic deduction: Prime plus 0.00% APR for the life of the loan. Prime Rate as of 5/02/2008 is 5.00%. Maximum APR is 18%. Minimum APR is 4.50%.
Auto Loans
New Vehicles*** Rate**** Minimum Down Annual Percentage Rate
(APR)		 Monthly Payment Per $1,000
36 Months 8.500% 15% 8.500% $31.57
48 Months 8.750% 15% 8.750% $24.89
60 Months 9.000% 15% 9.000% $20.76
Used Vehicles*** Rate**** Minimum Down Annual Percentage Rate
(APR)		 Monthly Payment Per $1,000
36 Months 9.750% 25% 9.750% $32.15
*** Auto purchases through registered dealers only. $40,000 Maximum Loan Amount
**** 1/4% rate reduction with autodraft payment from a Winter Hill Bank SmartChoice checking account.
Personal Loans
Personal/Unsecured Rate**** Annual Percentage Rate
(APR)		 Monthly Payment Per $1,000
12 Months 12.000% 12.000% $88.85
24 Months 12.500% 12.500% $47.07
36 Months 13.000% 13.000% $33.45
48 Months 13.500% 13.500% $26.58
**** 1/4% rate reduction with autodraft payment from a Winter Hill Bank SmartChoice checking account.
N.O.W./Checking Overdraft Line of Credit
Unsecured Rate Max. Line Amount Annual Percentage Rate
(APR)		 Monthly Payment Per $1,000
  18.000% $2,500.00 18.000% $15.00
Line of Credit must be linked to an open Winter Hill Bank NOW or SmartChoice Checking account.
Credit Card - Visa or Mastercard
For details on terms and conditions please call 888-277-0444 or click here.
Certificates of Deposit
Type of Certificate Interest Rate % Annual Percentage Yield (APY) Minimum Balance to Open Account & Obtain APY
3 Month CD 1.98% 2.00% $1,000
6 Month CD 2.72% 2.75% $1,000
9 Month CD 2.72% 2.75% $1,000
12 Month CD 2.81% 2.85% $1,000
15 Month CD 2.81% 2.85% $1,000
18 Month CD 2.81% 2.85% $1,000
24 Month CD 2.91% 2.95% $1,000
36 Month CD 2.96% 3.00% $1,000
48 Month CD 3.01% 3.05% $1,000
60 Month CD 3.11% 3.15% $1,000
Statement IRA CD (18 month) 3.20% 3.25% $500
Rates are guaranteed for the term of the CD. Early withdrawal penalties will be imposed.
Savings & Money Market Deposit Accounts
Type of Certificate Interest Rate % Annual Percentage Yield (APY) Minimum Balance to Open Account & Obtain APY
Passbook/Statement/Special Notice/Club 0.50% 0.50% $10
Passbook MMDA 1.00% 1.00% $1,000
0.50% 0.50% $10 TO $999.99
Prestige MMDA "Tiered Rate Account" 2.96% 3.00% $75,000 and over
1.39% 1.40% $50,000 to $74,999.99
1.24% 1.25% $25,000 to $49,999.99
1.14% 1.15% $10,000 to $24,999.99
1.00% 1.00% $2,500 to $9,999.99
0.50% 0.50% $10 to $2,499.99
Checking & N.O.W. Accounts
Type of Certificate Interest Rate % Annual Percentage Yield (APY) Minimum Balance to Open Account Minimum Balance to Obtain APY
Smart Choice Checking Account 0.00% 0.00% $10 N/A
Special Features: 6 months free ePay, Unlimited Check writing, No monthly maintenance fee, No minimum balance
Classic NOW Checking 0.15% 0.15% $100 $10
Special Features: 6 months free ePay, Unlimited Check writing, No monthly fee if minimum balance of $100.00 is maintained
Super NOW Checking 0.50% 0.50% $2,000 $2,000
Special Features: 6 months free ePay, Unlimited Check writing, No monthly fee if minimum balance of $2,00.00 is maintained
CustomPlus Relationship Checking 0.00% 0.00% $10 N/A
Special Features: 4 free ATM Transactions monthly at non-WHB Locations ($1.00 each thereafter), WHB Specialty Checks - first order free, No monthly fee if combined balance of $2,500.00 is maintained, Free ePay if combined balance of $2,500.00 is maintained, Unlimited check writing
IOLTA Checking 0.15% 0.15% $100 $10
Special Features: Lawyer's Trust Account - See Your Customer Service Representative
All rates are subject to change without notice. Fees could reduce the earnings on these accounts. Winter Hill Bank is a Member of FDIC. All savings accounts are Federally Insured to FDIC limits. Please ask us for more detailed Deposit Insurance information. Business Checking Accounts are available. Please ask your Customer Service Representative for details.