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Source: https://www.greenfieldsavings.com/rates
Read: 2026-10-22T16:22:39.000Z

Deposit & Loan Rates | Greenfield Savings Bank Home
Account | Interest Rate | Annual Percentage Yield (APY) | Minimum Deposit to Open | Minimum Balance to Obtain APY*
Student Checking | Non-interest bearing | Non-interest bearing | $1† | N/A
Basic Checking | Non-interest bearing | Non-interest bearing | $1† | N/A
Rewards Checking | Non-interest bearing | Non-interest bearing | $1† | N/A
Emerald Checking | 0.20% | 0.20% | $1† | $10
Account | Interest Rate | Annual Percentage Yield (APY) | Minimum Deposit to Open | Minimum Balance to Obtain APY*
Everyday Savings** | 0.15% | 0.15% | $10 | $10
High Yield | 2.30% | 2.32% | $10 | $10
2.50% | 2.53% | | $10,000
3.00% | 3.04% | | $50,000
3.10% | 3.14% | | $100,000
Student Checking preferred rate with linked savings account. 1.00% APY on balances up to $2,500
Rewards Checking account holders receive 0.05% APY bump on a single savings product of their choice
Emerald Checking account holders receive 0.10% APY bump on a single savings product of their choice
Account | Interest Rate | Annual Percentage Yield (APY) | Minimum Deposit to Open | Minimum Balance to Obtain APY*
91 Day | 3.00% | 3.03% | $1,000 | $10
6 Month | 0.35% | 0.35% | $1,000 | $10
6 Month Flex | 0.35% | 0.35% | $1,000 | $10
7 Month Special | 3.00% | 3.04% | $500 | $10
12 Month | 0.40% | 0.40% | $1,000 | $10
14 Month Special | 4.00% | 4.07% | $500 | $10
18 Month | 4.10% | 4.18% | $1,000 | $10
24 Month | 4.10% | 4.18% | $1,000 | $10
30 Month Special | 4.41% | 4.50% | $10,000 | $10,000
36 Month | 4.20% | 4.28% | $1,000 | $10
48 Month | 4.20% | 4.28% | $1,000 | $10
60 Month | 4.20% | 4.28% | $1,000 | $10
Account Type | Interest Rate | Annual Percentage Yield (APY) | Minimum Deposit To Open | Minimum Balance to Obtain APY*
Everyday Savings** | 0.20% | 0.20% | $10 | $10
6 Month | 0.35% | 0.35% | $1,000 | $10
7 Month Special | 3.00% | 3.04% | $500 | $10
12 Month | 0.40% | 0.40% | $1,000 | $10
14 Month Special | 4.00% | 4.07% | $500 | $10
18 Month | 4.10% | 4.18% | $1,000 | $10
24 Month | 4.10% | 4.18% | $1,000 | $10
30 Month Special | 4.41% | 4.50% | $10,000 | $10,000
36 Month | 4.20% | 4.28% | $1,000 | $10
48 Month | 4.20% | 4.28% | $1,000 | $10
60 Month | 4.20% | 4.28% | $1,000 | $10
Greenfield Savings Bank First Mortgage Customers * Loan Amount | Max Combined Loan-to-Value | Max Term | Margin | Min Annual Percentage Rate/Floor | Max Annual Percentage Rate | Fixed for the First Year Annual Percentage Rate** | Fully Indexed Annual Percentage Rate***
≤ $250,000.00 | 80% | 15 Years †† | 0% | 0.00% | 15% | 5.990% | 7.000%
$250,000.01 - $400,000.00 † | 80% | 15 Years †† | 0% | 0.00% | 15% | 6.250% | 7.000%
≥ $400,000.01 † | 80% | 15 Years †† | 0% | 0.00% | 15% | 6.500% | 7.000%
Non-Greenfield Savings Bank First Mortgage Customers *† Loan Amount | Max Combined Loan-to-Value | Max Term | Margin | Min Annual Percentage Rate/Floor | Max Annual Percentage Rate | Fixed for the First Year Annual Percentage Rate** | Fully Indexed Annual Percentage Rate***
≤ $250,000.00 | 80% | 15 Years †† | 0% | 0.00% | 15% | 6.750% | 7.000%
Max Combined Loan-to-Value | Max Term | Index | Margin | Max Annual Percentage Rate | Annual Percentage Rate (APR) | Monthly Payments per $1,000
80% | 10 Years | Fixed | n/a | n/a | 6.625% | 120 monthly payments of 11.42
Max Combined Loan-to-Value | Max Term | Index | Margin | Max Annual Percentage Rate | Annual Percentage Rate (APR) | Monthly Payments per $1,000
80% | 5 Years | Fixed | n/a | n/a | 6.500% | 60 monthly payments of $19.57
80% | 10 Years | Fixed | n/a | n/a | 6.750% | 120 monthly payments of $11.48
80% | 15 Years | Fixed | n/a | n/a | 6.875% | 180 payments of $8.92
80% | 20 Years | Fixed | n/a | n/a | 7.125% | 240 payments of $7.83
Max Combined Loan-to-Value | Max Term | Index | Margin | Max Annual Percentage Rate | Annual Percentage Rate (APR) | Monthly Payments per $1,000
80% | 5 Years | Fixed | n/a | n/a | 7.500% | 60 monthly payments of $20.04
80% | 10 Years | Fixed | n/a | n/a | 7.750% | 120 monthly payments of $12.00
80% | 15 Years | Fixed | n/a | n/a | 7.875% | 180 payments of $9.48
80% | 20 Years | Fixed | n/a | n/a | 8.125% | 240 payments of $8.44
Product Description | Rate | Maximum Term | Margin | Discount Points | Annual Percentage Rate (APR) | Monthly Payments | Payments Per $1,000 (Fully Indexed)
First Time Home Buyer -10/1 Adjustable Rate Mortgage* | 120 Months@ 5.500 % 12 Months@7.500 % 227 Months@7.500 % 1 Month@7.500 % | 30 Years | 3.000 % | 0 | 6.266 % | 360 | 120@$5.68 12@$6.65 227@$6.65 1@$6.67
Offer available to first time home buyers only. Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Subject to credit approval. Rates may be subject to change without notice. Property insurance will be required; flood insurance may be required. Please call our mortgage professionals for more information.
*Rates subject to increase after consummation. ARM Caps 2% per adjustment / 5% lifetime. Rates and payments subject to adjust after the first 10 years and annually thereafter. Certain adjustable rate loans may require that new borrowers attend a Home Buyer's Counseling Program and sign an OPT in form for certain adjustable rate products. Please see a mortgage professional at Greenfield Savings Bank for more details.
The Adjustable Rate Indices Used Are: 1 Year Treasury constant maturity weekly average for a 1 Year Review-Index: 4.470%
Product Description | Rate | Maximum Term | Margin | Discount Points | Annual Percentage Rate (APR) | Monthly Payments | Payments Per $1,000 (Fully Indexed)
10/1 Adjustable Rate Mortgage* | 120 Months@ 5.750% 12 Months@7.500% 227 Months@7.500% 1 Month@7.500% | 30 Years | 3.000% | 0 | 6.426 % | 360 | 120@$5.84 12@$6.70 227@$6.70 1@$6.72
Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Subject to credit approval. Rates may be subject to change without notice. Property insurance will be required; flood insurance may be required. Please call our mortgage professionals for more information.
*Rates subject to increase after consummation. ARM Caps 2% per adjustment / 5% lifetime. Rates and payments subject to adjust after the first 10 years and annually thereafter. Certain adjustable rate loans may require that new borrowers attend a Home Buyer's Counseling Program and sign an OPT in form for certain adjustable rate products. Please see a mortgage professional at Greenfield Savings Bank for more details.
The Adjustable Rate Indices Used Are: 1 Year Treasury constant maturity weekly average for a 1 Year Review-Index: 4.470%
Product Description | Rate | Maximum Term | Discount Points | Annual Percentage Rate (APR) | Monthly Payments | Payments Per $1,000
30-Year Fixed Bi-Weekly * | 7.000% | 30 Years | 0 | 7.068% | 360 | $3.33
*For the purchase and refinance of 1-4 family owner occupied properties. Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account. Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Subject to credit approval. Rates may be subject to change without notice. Property insurance will be required; flood insurance may be required. Please call our mortgage professionals for more information.
Product Description | Rate | Maximum Term | Discount Points | Annual Percentage Rate (APR) | Monthly Payments | Payments Per $1,000
30-Year Fixed for Purchases | 7.000% | 30 Years | 0 | 7.089% | 360 | $6.65
30-Year Fixed for First Time Home Buyers* | 6.875% | 30 Years | 0 | 6.963% | 360 | $6.57
Offer good on purchases of owner occupied 1-4 family properties. Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Subject to credit approval. Rates may be subject to change without notice. Property insurance will be required; flood insurance may be required. Please call our mortgage professionals for more information.
Product Description | Rate | Maximum Term | Discount Points | Annual Percentage Rate (APR) | Monthly Payments | Payments Per $1,000
30-Year Fixed | 6.875% | 30 Years | 2 | 7.166% | 360 | $6.57
7.000% | 30 Years | 1 | 7.191% | 360 | $6.65
7.125% | 30 Years | 0 | 7.216% | 360 | $6.74
20-Year Fixed | 6.750% | 20 Years | 2 | 7.127% | 240 | $7.60
6.875% | 20 Years | 1 | 7.122% | 240 | $7.68
7.000% | 20 Years | 0 | 7.117% | 240 | $7.75
15-Year Fixed | 6.375 % | 15 Years | 2 | 6.838% | 180 | $8.64
6.500% | 15 Years | 1 | 6.801% | 180 | $8.71
6.625% | 15 Years | 0 | 6.766% | 180 | $8.78
10-Year Fixed | 6.500% | 10 Years | 0 | 6.697% | 120 | $11.35
Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Subject to credit approval. Rates may be subject to change without notice. Property insurance will be required; flood insurance may be required. Please call our mortgage professionals for more information.
Product Description | Rate | Maximum Term | Discount Points | Annual Percentage Rate (APR) | Monthly Payments | Payments Per $1,000
30-Year Bi-Weekly | 6.875% | 30 Years | 2 | 7.171% | 360 | $3.28
7.000% | 30 Years | 1 | 7.183% | 360 | $3.33
7.125% | 30 Years | 0 | 7.194% | 360 | $3.37
20-Year Bi-Weekly | 6.750% | 20 Years | 2 | 7.127% | 240 | $3.80
6.875% | 20 Years | 1 | 7.107% | 240 | $3.84
7.000% | 20 Years | 0 | 7.087% | 240 | $3.88
15-Year Bi-Weekly | 6.375% | 15 Years | 2 | 6.836% | 180 | $4.32
6.500% | 15 Years | 1 | 6.783% | 180 | $4.36
6.625% | 15 Years | 0 | 6.731% | 180 | $4.39
10-Year Bi-Weekly | 6.500% | 10 Years | 0 | 6.648% | 120 | $5.68
*Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account. Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Subject to credit approval. Rates may be subject to change without notice. Property insurance will be required; flood insurance may be required. Please call our mortgage professionals for more information.
Product Description | Rate | Maximum Term | Margin | Discount Points | Annual Percentage Rate (APR) | Monthly Payments | Payments Per $1,000 (Fully Indexed)
5/1 Adjustable Rate Mortgage* | 60 Months@ 5.750 % 12 Months@7.250% 287 Months@7.250% 1 Month@7.250% | 30 Years | 2.750% | 0 | 6.731% | 360 | 60@$5.84 12@$6.70 287@$6.70 1@$6.73
7/1 Adjustable Rate Mortgage* | 84 Months@ 6.000 % 12 Months@7.375% 263 Months@7.375% 1 Month@7.375% | 30 Years | 2.875% | 0 | 6.742% | 360 | 84@$6.00 12@$6.75 263@$6.75 1@$6.77
10/1 Adjustable Rate Mortgage* | 120 Months@ 6.125 % 12 Months@7.500% 227 Months@7.500% 1 Month@7.500% | 30 Years | 3.000% | 0 | 6.669% | 360 | 120@$6.08 12@$6.76 227@$6.76 1@$6.79
Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Subject to credit approval. Rates may be subject to change without notice. Property insurance will be required; flood insurance may be required. Please call our mortgage professionals for more information.
*Rates subject to increase after consummation. ARM Caps 2% per adjustment / 5% lifetime. Rates and payments subject to adjust after the first 5/7/10 years and annually thereafter. Certain adjustable rate loans may require that new borrowers attend a Home Buyer's Counseling Program and sign an OPT in form for certain adjustable rate products. Please see a mortgage professional at Greenfield Savings Bank for more details.
The Adjustable Rate Indices Used Are: 1 Year Treasury constant maturity weekly average for a 1 Year Review-Index: 4.470%
Product Description | Rate | Maximum Term | Discount Points | Annual Percentage Rate (APR) | Monthly Payments | Payments Per $1,000
15-Year Fixed Rate | 7.000% | 15 Years | 0 | 7.140% | 180 | $8.99
Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Subject to credit approval. Rates may be subject to change without notice. Property insurance will be required; flood insurance may be required. Please call our mortgage professionals for more information.
Product Description | Minimum Down Payment | Rate | Maximum Term | Points | Annual Percentage Rate (APR) | Monthly Payments | Payments Per $1,000
Mass Housing Partnership - First Time Homebuyer Program * | 3% | 7.000 % | 30 Years | 0 | 7.089% | 360 | $6.65
* Available only to Mass Housing Partnership-eligible borrowers. Eligibility subject to income limits. Rates shown are for owner-occupied, primary residence purchases, and are subject to change at any time. Rates and monthly payment per $1,000 borrowed assume a FICO score of 660; a 3.0% down payment; a loan amount of $250,000; and include principal and interest only. Monthly payment does not include taxes, insurance, and, if applicable, estimated homeowners' association dues. Your actual payment will be greater. Property insurance will be required; flood insurance may be required. Completion of a homebuyer education course will be required. All loans subject to credit approval.
Product Description | Minimum Down Payment | Rate | Maximum Term | Points | Annual Percentage Rate (APR) | Monthly Payments | Payments Per $1,000
Mass Housing Mortgage: First Time Homebuyer | 3% | 7.375% | 30 Years | 0 | 7.491% | 360 | $6.91
Mass Housing Mortgage: First Time Homebuyer with Down Payment Assistance | 0% | 7.375% | 30 Years | 0 | 7.491% | 360 | $6.91
Available to MassHousing-eligible borrowers. Income and Loan limits apply. Rates shown are for owner-occupied primary residences only and subject to change at any time. Rates and monthly payment per $1,000 borrowed assume a FICO score of 640; a 3.0% down payment; a loan amount of $250,000; and include principal and interest only. Monthly payment does not include taxes, insurance, and, if applicable, estimated mortgage insurance or homeowners' association dues. Your actual payment will be greater. MassHousing maximum loan amount is $806,500 for a single family, $1,032,650 for two units, $1,248,150 for three units, and $1,551,250 for four units. MassHousing loans require mortgage insurance. Escrow for Real Estate Taxes and Insurance are required. Property insurance required; Flood insurance may be required. Some MassHousing loan products require completion of homebuyer and/or landlord education course. All loans subject to credit approval. Additional products, rates and terms are available.
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