Rates

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All rates, terms and conditions are subject to change without notice.

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Commercial Real Estate Mortgage Rates


Hingham Savings has a broad range of solutions for financing commercial real estate. Our speed and flexibility allow us to provide unique value to our customers, with whom we have deep, long-term relationships. our customers have direct access to the Bank's principals and senior lenders; unlike other banks, Hingham operates at the speed of business. With a balance sheet in excess of $2B, we combine local decision-making with the capacity to fund significant projects. Learn more about our Commercial Real Estate Lending here and meet our lenders.

Please contact our Commercial Real Estate Group at 781.222.0060 or [email protected] to discuss rates and terms for individual projects or to learn more about our approach.

Residential Mortgage Rates - All Rates and Programs Subject to Change

Adjustable Rates (For Loan Amounts up to $424,100. Rates may change after closing.)
ProductPointsInterest RateAPRMonthsPayment Per $1000 Borrowed
5/5*  0 3.50% 4.343 480 $3.87
*Interest rate and payment may change after the initial fixed period.

 

Fixed Rates (For Loan Amounts up to $424,100.)
ProductPointsInterest RateAPRMonthsPayment Per $1,000 Borrowed
30 Year Fixed 0 4.25% 4.253 360 $4.92
15 Year Fixed 0 3.625% 3.630% 180 $7.21

Note: All APRs assume a 20% down payment. Payment examples do not include tax escrow and insurance. The actual payment obligation will be greater.

Jumbo Adjustable Mortgage Rates (For Loan Amounts $424,101. - $1,500,000.)
ProductPointsInterest RateAPRMonthsPayment Per $1000 borrowed
5/5* 0 3.50% 4.372 480 $3.87
*Interest rate and payment may change after the initial fixed period.
Jumbo Fixed Rate Mortgages (For Loan Amounts $424,101. - $1,500,000.)
ProductPointsInterest RateAPRMonthsPayment Per $1,000 Borrowed
30 Year Jumbo 0 4.25% 4.252% 360 $4.92
15 Year Jumbo 0 3.625% 3.628% 180 $7.21


Note:
Jumbo loans require the applicant to establish a free Hingham Savings checking account.

PLEASE CALL US FOR SPECIAL JUMBO RATES FOR LOAN AMOUNTS OVER $1,500,000.


PLEASE CALL US FOR SPECIAL RATES FOR PORTFOLIO MORTGAGES WITH FLEXIBLE UNDERWRITING GUIDELINES.

Consumer Loan Rates

Equity Line of Credit (Variable Rate)

Wall Street Journal prime rate plus .25% for the life of loan with a Floor of 3.75% APR. Current Rate 4.25%, Annual Percentage Rate (APR) 4.25%.
Maximum interest rate of 18.00% APR.

Overdraft Protection

Revolving, Fixed Rate 15.00% Fixed APR: 15.00%
$10 Annual Fee

Passbook Loans

3% Above Deposit Rate

Deposit Rates

Deposit Rates
Account TypeMinimum BalanceInterest RateAPY*
Money Market (Regular and IRA) $10 - $49,999
$50,000 - $99,999
$100,000 - 499,999
$500,000 or more
0.05%
0.25%
0.50%
0.50%
0.05%
0.25%
0.50%
0.50%
Passbook Savings $10 0.01% 0.01%
Statement Savings $10 0.01% 0.01%
Club Accounts $10 0.01% 0.01%
NOW $10 0.01% 0.01%
*Annual Percentage Yield      APY as of
Fees may reduce earnings on account. Need to maintain the minimum balance to obtain the APY.
Interest rate may change after account is open for all of the above variable rate accounts

CD Rates (Regular and IRA)

CD Rates (Regular and IRA)
Account TypeMinimum BalanceInterest RateAPY*
91 Day CD $500 0.15% 0.15%
6 Month CD $500 0.25% 0.25%
1 Year CD $500 1.10% 1.11%
18 Month CD $500 1.20% 1.21%
2 Year CD $500 1.40% 1.41%
2 1/2 Year CD $500 1.45% 1.46%
3 Year CD $500 1.50% 1.51%
4 Year CD $500 1.55% 1.56%
5 Year CD $500 1.70% 1.71%
*Annual Percentage Yield
Penalty may be imposed for early withdrawal
Member FDIC/Member DIF.  Equal Housing Lender       781.749.2200
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