Rates

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Rates updated as of:

​Deposit Account Interest Rates

Rates subject to change at any time.

​Checking Accounts

 

​Rate

Annual Percentage Yield​

Min.Deposit

(to open)​

Min.Balance

(to obtain apy)​

NOW Checking

0.03%

0.03%

$1.00

$10.00

Product is no longer offered.

Business NOW Checking

0.03%

0.03%

$1.00

$10.00

​Apply today

Savings Accounts

 

Rate​

Annual Percentage Yield​

Min.Deposit

(to open)​

​Min.Balance

(to obtain apy)

Statement and Passbook

0.05%

0.05%

$1.00

$10.00

​Apply today

​Money Fund Accounts

​Money Fund

​Rate

Annual Percentage Yield​

​Min.Deposit

(to open)

​Min.Balance

(to obtain apy)

$10 - $4,999.99

0.20%​

​0.20%

$1.00

​$10.00

Apply today

$5,000 - $24,999.99

0.20%​

0.20%​

$1.00​

$5,000.00​

Apply today

$25,000 - $49,999.99

0.25%​

0.25%​

$1.00​

$25,000.00​

Apply today

$50,000 +

0.25%​

0.25%​

$1.00​

$50,000.00​

Apply today

​Freedom Gold Money Fund

​Rate

Annual Percentage Yield​

​Min.Deposit

(to open)

​Min.Balance

(to obtain apy)

​$10 - $24,999.99

​0.25%

0.25%​

$1.00

​$10.00

Apply today

​$25,000 - $49,999.99

0.30%​

0.30%​

$1.00​

$25,000.00​

​Apply today

$50,000 - $99,999.99

0.30%

0.30%​

$1.00​

$50,000.00​

Apply today

​$100,000 +

0.35%​

0.35%​

$0.00​

$100,000.00​

​Apply today

​Freedom Platinum Money  

Fund

​Rate

​Annual Percentage Yield

​Min.Deposit

(to open)

​Min.Balance

(to obtain apy)

​$10 - $24,999.99

​0.37%

​0.37%

​$1.00

​$10.00

Apply today

​$25,000 - $49,999.99

​0.57%

​0.57%

​$1.00

​$25,000.00

Apply today

​$50,000 - $99,999.99

​0.57%

​0.57%

​$1.00

​$50,000.00

​​Apply today

​$100,000 +

​0.62%

​0.62%

​$1.00

​$100,000.00

​​Apply today

​Business Money Fund   

​Rate

Annual Percentage Yield​

Min.Deposit

(to open)​

​Min.Balance

(to obtain apy)

$10 - $4,999.99

0.20%​

0.20%​

$1.00​

$10.00​

Learn more

$5,000 - $24,999.99

0.20%​

0.20%​

$1.00​

$5,000.00​

​Learn more

$25,000 - $49,999.99

0.25%​

0.25%​

$1.00​

$25,000.00​

Learn more

$50,000 +

0.25%​

0.25%​

$1.00​

$50,000.00​

Learn more

​Certificates of Deposit

​Certificates of Deposit

Rate

Annual Percentage Yield​

Min. Deposit

(to open)

​Min. Balance

(to earn apy)

3 - 5 Month Certificate

0.35%

0.35%

$250.00

$10.00

Apply today

6 - 11 Month Certificate

0.60%

0.60%

$250.00

$10.00

​Apply today

12 - 23 Month Certificate

1.24%

1.25%

$250.00

$10.00

Apply today

24 - 35 Month Certificate

1.39%

1.40%

$250.00

$10.00

Apply today

36 - 47 Month Certificate

1.39%

1.40%

$250.00

$10.00

​Apply today

48 - 59 Month Certificate​

1.39%

1.40%

$250.00

$10.00

​Apply today

60 - 71 Month Certificate

1.39%

1.40%

$250.00

$10.00

Apply today

12 - 18 Month Adjustable Rate Certificate

1.24%

1.25%

$10.00

$10.00

Learn more

​Freedom Platinum Certificates of Deposit

​Rate

​Annual Percentage Yield

​Min.Deposit

(to open)

​Min.Balance

 (to earn apy)

Freedom Platinum 3 - 5 Month Certificate

0.45%

​0.45%

​$250.00

​$10.00

Apply today

​Freedom Platinum 6 - 11 Month Certificate

​0.70%

​0.70%

​$250.00

​$10.00

Apply today

​Freedom Platinum 12 - 23 Month Certificate

​1.34%

​1.35%

​$250.00

​$10.00

Apply today

​Freedom Platinum 24 - 35 Month Certificate

​1.49%

​1.50%

​$250.00

​$10.00

Apply today

​Freedom Platinum 36 - 47 Month Certificate

​1.49%

​1.50%

​$250.00

​$10.00

Apply today

​Freedom Platinum 48 - 59 Month Certificate

​1.49%

​1.50%

​$250.00

​$10.00

Apply today

​Freedom Platinum 60 - 71 Month Certificate

​1.49%

​1.50%

​$250.00

​$10.00

Apply today

​All rates and Annual Percentage Yields (APYs) are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. Checking, Savings and Money Fund Accounts are variable rate accounts and the rate can change without notice after account opening. APY assumes interest earned in account compounds. Fees on your account could reduce earnings. Certificates of Deposit are subject to penalty for early withdrawal. Adjustable Rate Certificate of Deposit accounts available for Retirement Plan accounts only. Freedom Platinum Certificates of Deposit requires a Freedom Platinum Checking account.

 

Personal Loan Rates

Rates subject to change at any time.

​Auto Loans

 

Annual Percentage Rate​

Term​

Monthly Payment/$1,000​

New Car Loan​

3.750%

36 Months

$29.41

Learn more

New Car Loan​

4.000%​

48 Months​

$22.58​

​Learn more

New Car Loan

4.250%

60 Months

$18.53

Learn more

Used Car Loan

4.500%

36 Months

$29.75

​Learn more

Used Car Loan

4.750%

48 Months

$22.92

​Learn more

​Personal Loans and Lines of Credit

 

Annual Percentage Rate​

Term​

​Monthly Payment/$1,000

​Personal Loan

12.000%

36 Months

​$33.21

​Learn more

​Personal Loan

​13.000%

​48 Months

​$26.83

​Learn more

​Personal Loan

​14.000%

​60 Months

​$23.27

Learn more

​Passbook Loan

​2.000% over deposit account rate.

​Learn more

Reserve Line of Credit

16.000%

7.99% APR for Freedom Platinum Checking customers, 9.99% APR for Freedom Gold Checking customers

Learn more

Home Equity Loans

 

Annual Percentage Rate​

​Monthly Payment/$1,000

5 Yr Term

3.750%

$18.30

Apply today

10 Yr Term

4.000%

$10.12

Apply today

15 Yr Term

4.250%

$7.52

Apply today

20 Yr Term

4.500%

$6.33

Apply today

​Home Equity Line of Credit

 

​Annual Percentage Rate

​Good Neighbor Equity Line

1.99% for 6 months,4.25% (Prime+.25%) thereafter

Apply today

Annual Percentage Rate - your personal and home equity loan payments can be automatically paid from your Middlesex checking or savings account.  Owner occupancy is required for Home Equity Loans. Monthly Payment per $1,000. Taxes and insurance premiums, if applicable, are not included and the actual payments will be greater if an escrow account is required or requested.

Annual Percentage Rate (APR) for the Good Neighbor Equity Line is fixed for the first 6 months at 1.99%. The rate will revert thereafter for remainder of loan term to a variable rate of Prime plus 0.25% as published in the Wall Street Journal at the beginning of each monthly billing cycle. As of 3/20/17, the Prime Rate was 4.00%. The maximum APR is 18%.  $50 annual fee applies. Fee is waived with a Freedom Gold Checking or a Freedom Platinum Checking account. Early termination fee of $400 will be charged if the home equity line of credit is closed within the first 24 months. The Good Neighbor Equity Line is not associated with the U.S. Department of Housing and Urban Development (HUD) or any programs offered by HUD.

Home Equity Loan and Line of Credit offers and rates are subject to change at any time and quoted assuming an 80% loan-to-value (75% loan-to-value for loans of over $250,000). Other terms and conditions apply. Property insurance and flood insurance if applicable, is required. Primary residences only. Consult your tax advisor regarding the deductibility of interest.

 

 

Residential Mortgage Rates

Rates subject to change at any time.

​Affordable Mortgage Programs

 

​Rate

​Annual Percentage Rate

​Points

​Monthly Payments/$1,000

Middlesex First Time Home Buyer 30 Year Fixed

4.125%

4.225%

0

$4.85

Start application

Middlesex Affordable 30 Year Fixed

4.500%

4.603%

0

$5.07

Start application

MassHousing Partnership One Mortgage 30 Year Fixed

3.625%

3.723%

0

$4.56

Start application

MassHousing Mortgage

4.000%

4.129%

0

$4.77

Start application

MassHousing No MI Mortgage

4.625%

4.759%

0

$5.14

Start application

​Our Middlesex First Time Home Buyer Loan offers the advantages of a low 3% downpayment with the affordability of a 30 year term.  The Middlesex Affordable Housing Mortgage is designed for the purchase of deed restricted, affordable housing units, and features a low down payment and reduced monthly payments.

MassHousing Partnership One Mortgages feature a down payment as low as 3%, a below market interest rate and, in some cases, a subsidized monthly payment. Income limits apply. Borrowers must be first-time home buyers.  The MassHousing loans feature a down payment as low as 3%. Income, loan amount and acquisition cost limits apply. Borrowers cannot own another home at the time of closing.

​Middlesex Mortgage Programs

 

​Rate

​Annual Percentage Rate

​Points

​Monthly Payment/$1,000

Middlesex Portfolio 10 Year Fixed Mortgage

3.250%

3.578%

0

$9.77

Start application

Middlesex Portfolio 15 Year Fixed Mortgage

3.250%

3.476%

0

$7.03

Start application

Middlesex Portfolio 20 Year Fixed Mortgage

3.750%

3.928%

0

$5.93

Start application

Middlesex Portfolio 30 Year Fixed Mortgage

4.000%

​4.129%

​0

​$4.77

​Start application

Middlesex Portfolio 5/3 ARM

3.000%

3.932%

0

​payment may vary

Start application

Middlesex Portfolio 7/3 ARM

3.250%

3.906%

0

​payment may vary

Start application

​Middlesex Portfolio 10/3 ARM

3.625%

​3.991%

​0

payment may vary

​Start application

Middlesex Portfolio 30 Year Fixed Mortgages are for primary residences only, with a minimum loan amount of $400,000.  Middlesex ARMs (adjustable-rate mortgages) offer an initial interest rate that is fixed for either 5, 7 or 10 years. After that period, and every three years thereafter until maturity, the interest rate can adjust based on current market conditions. Each adjustment is limited to 2% and total adjustments over the life of the loan are limited to 4%.

Conforming Mortgage Programs

 

Rate​

Annual Percentage Rate​

​Points

Monthly Payment/$1,000​

Conforming 15 Year Fixed Mortgage

3.125%

3.350%

0

$6.97

Start application

Conforming 20 Year Fixed Mortgage

3.625%

3.802%

0

$5.86

Start application

Conforming 30 Year Fixed Mortgage

4.000%

4.129%

0

$4.77

Start application

​Conforming mortgages are those that meet the loan limits and underwriting standards of Freddie Mac or Fannie Mae, and are eligible for sale to those agencies. Loan limits vary by location and transaction. Interest rates vary based on the specific loan request, property type, credit score, etc.  Sample rate shown. Your actual rate may be higher or lower. 

Contact a Mortgage Specialist for additional information.

 

Annual Percentage Rate (APR) assumes no mortgage insurance. Property must be owner-occupied. Property insurance required. Monthly Payment/$1,000: Taxes and insurance premiums, if applicable, are not included and the actual payment obligation will be greater if an escrow account is required or requested. See tax advisor regarding deductibility of interest. Other terms and conditions apply. Other mortgage options available. Rates subject to change at any time.