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Current Rates

Rates effective as of September 3, 2010. 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)		 4.500% 0.00 4.562% $5.07
AffordableAdvantage
30 Year Fixed
(Up to 100% Financing; No MI)		 5.000% 0.00 5.064% $5.37
Homestart 5/1 ARM
30 Year
(Caps 2/6 - Margin 2.750)		 4.500% 0.00 3.578% Year 1-5, rate 4.500%, 60 payments of $5.07; Year 6-30, rate 3.000%, 300 payments of $4.32
* APR based upon 20% down payment.
** Property insurance is required. Payments do not include taxes and/or insurance. Actual payment may be greater.
Fixed Rate Conforming - First Mortgage Loans
1-4 Family Owner Occupied Rate Points Annual Percentage Rate
(APR)*		 Monthly Payment Per $1,000**
30 Year 4.125% 1.25 4.270% $4.85
30 Year 4.375% 0.00 4.414% $4.99
20 Year 4.000% 1.00 4.170% $6.06
20 Year 4.250% 0.00 4.304% $6.19
15 Year 3.500% 1.50 3.789% $7.15
15 Year 3.875% 0.00 3.943% $7.33
1-4 Family Non-Owner Occupied (Investment) Rate Points Annual Percentage Rate
(APR)*		 Monthly Payment Per $1,000**
30 Year 4.625% 1.00 4.752% $5.14
20 Year 4.375% 1.00 4.547% $6.26
15 Year 4.000% 1.00 4.218% $7.40
* APR based upon 20% down payment.
** Property insurance is required. Payments do not include taxes and/or insurance. Actual payment may be greater.
PRICING ADJUSTMENTS MAY APPLY BASED UPON CREDIT SCORE, LOAN-TO-VALUE, PROPERTY TYPE, AND/OR OCCUPANCY.
Other terms also available - 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)		 4.000% 0.00 3.122% Year 1, rate 4.000%, 12 payments of $4.77; Year 2-30, rate 3.000%, 348 payments of $4.23
3/1 ARM
(Caps 2/6 - Margin 2.75)		 4.375% 0.00 3.352% Year 1-3, rate 4.375%, 36 payments of $4.99; Year 4-30, rate 3.000%, 324 payments of $4.27
5/1 ARM
(Caps 2/6 - Margin 2.75)		 4.625% 0.00 3.624% Year 1-5, rate 4.625%, 60 payments of $5.14; Year 6-30, rate 3.000%, 300 payments of $4.33
5/3 ARM
(Caps 2/6 - Margin 2.875)		 4.750% 0.00 4.077% Year 1-5, rate 4.750%, 60 payments of $5.22; Year 6-30, rate 3.675%, 300 payments of $4.64
7/1 ARM
(Caps 2/6 - Margin 2.875)		 5.125% 0.00 4.133% Year 1-7 rate 5.125%, 84 payments of $5.44; Year 8-30, rate 3.145%, 276 payments of $4.48
10/1 ARM
(Caps 5/2/6 - Margin 2.875)		 5.500% 0.00 4.686% Year 1-10, rate 5.500%, 120 payments of $5.68; Year 11-30, rate 3.145%, 240 payments of $4.63
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)		 4.750% 0.00 3.647% $5.22
3/1 ARM
(Caps 3/6 - Margin 3.25)		 5.125% 0.00 3.920% $5.44
5/1 ARM
(Caps 3/6 - Margin 3.25)		 5.375% 0.00 4.233% $5.60
5/3 ARM
(Caps 3/6 - Margin 3.25)		 5.500% 0.00 4.604% $5.68
* APR based upon 20% down payment and a loan term of 30 years.
** Property insurance is required. Payments do not include taxes and/or insurance. Actual payment may be greater.

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) **		 3.250% 0.00 4.001% $5.67
* Property insurance is required. Payments do not include taxes and/or insurance. Actual payment may be greater.
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 and is subject to change. Prime Rate as of 12/17/2008 is 3.25%. Maximum APR is 18%. Minimum APR 3.25%.
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 0.50% 0.50% $1,000
6 Month CD 1.00% 1.00% $1,000
7 Month CD 1.00% 1.00% $1,000
8 Month CD 1.00% 1.00% $1,000
9 Month CD 1.00% 1.00% $1,000
11 Month CD 1.00% 1.00% $1,000
12 Month CD 1.19% 1.20% $1,000
15 Month CD 1.19% 1.20% $500
18 Month CD 1.19% 1.20% $1,000
24 Month CD 1.83% 1.85% $1,000
36 Month CD 2.23% 2.25% $1,000
48 Month CD 2.47% 2.50% $1,000
60 Month CD 2.96% 3.00% $1,000
Statement IRA CD (18 month) 1.83% 1.85% $500
Rates are guaranteed for the term of the CD. Early withdrawal penalties will be imposed.
Savings & Money Market Deposit Accounts
Type of Account Interest Rate % Annual Percentage Yield (APY) Minimum Balance to Open Account & Obtain APY
Passbook/Statement/Special Notice/Club 0.40% 0.40% $10
Passbook MMDA 0.60% 0.60% $1,000
0.40% 0.40% $10 TO $999.99
Prestige MMDA "Tiered Rate Account" 0.95% 0.95% $75,000 and over
0.75% 0.75% $50,000 to $74,999.99
0.60% 0.60% $25,000 to $49,999.99
0.40% 0.40% $10,000 to $24,999.99
0.25% 0.25% $2,500 to $9,999.99
0.05% 0.05% $10 to $2,499.99
Checking & N.O.W. Accounts
Type of Account 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
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
Super NOW Checking "Tiered Rate Account" 0.50% 0.50% $2,000 $2,000 and over
0.15% 0.15% $10.00 to $1,999.99
Special Features: 6 months free ePay, Unlimited Check writing, No monthly fee if minimum balance of $2,000.00 is maintained
IOLTA Checking "Tiered Rate Account" 0.50% 0.50% $100 $2,000 and over
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.