Term Deposit Certificates
Term Deposit rates and Annual Percentage Yields are fixed for the duration of the term.
* One penalty- free withdrawal.
Variable Rate CD**
**Interest rate indexed to Federal Funds Target Rate less .50%. Federal Funds Target Rate is published in the Money Rates
section of the Wall Street Journal.
Penalties apply to early withdrawals of principal from fixed and variable rate
Term Deposit Certificates. Interest posted during the current term may
be withdrawn without penalty.
Premium Money Market
APY denotes Annual Percentage Yield. A minimum balance of $75,000 is required to open and avoid a $10 monthly service charge. A $5 fee is charged for each
transaction in excess of six pre-authorized, automatic, telephone banking, internet banking transactions or an aggregate of 3 checks, drafts, debit card,
ATM point-of-sale transactions, or similar order to third parties per calendar month.
Premium Money Market/CD Combo**
**A 6 month CD of $25,000 or more and a Money Market Account of $75,000 or more are required to open and maintain the Hi-Yield Combo Account.
For Money Market balances that drop below $75,000, APY is .25% with a monthly fee of $10. Money Market and CD rates are variable and subject to change. Combined maximum of
$1 million in this account. Fees and penalties may reduce earinings.
Money Market
APY denotes Annual Percentage Yield. A minimum balance of $1,000 is required to open and avoid a $5 monthly service charge. A $5 fee is charged for each
transaction in excess of six pre-authorized, automatic, telephone banking, internet banking transactions or an aggregate of 3 checks, drafts, debit card,
ATM point-of-sale transactions, or similar order to third parties per calendar month.
The above Premium Money Market and Money Market rates are variable rates, which means that the rate of interest and Annual Percentage Yield may change
after the account is opened. Fees could reduce earnings on accounts.
Passbook and Statement Savings
APY denotes Annual Percentage Yield. A minimum balance of $10.00 is required to open and avoid a $5 monthly service charge. A $5 fee is charged for each
transaction in excess of six pre-authorized, automatic, telephone banking, internet banking or 3 ATM point-of-sale transactions per calendar month.
Preferred Savings Account
APY denotes Annual Percentage Yield. A minimum balance of $50,000 is required to open and avoid a $10 monthly service charge. A $5 fee is charged for each
transaction in excess of six pre-authorized, automatic, telephone banking, internet banking or 3 ATM point-of-sale transactions per calendar month.
The above Passbook, Statement and Preferred Savings rates are variable rates, which means that the rate of interest and Annual Percentage Yield may change
after the account is opened. Fees could reduce earnings on accounts.
Personal Checking
APY denotes Annual Percentage Yield. A minimum balance of $500 is required to open and avoid a $5.00 monthly service charge. The above rates are variable rates, which
means that the rate of interest and Annual Percentage Yield may change after the account is opened.
Fees could reduce earnings.
Fees could reduce earnings.
Bonus Checking *
* This is a variable rate account; the interest rate and APY may change at any time after account is opened. Minimum balance to open this account is $10. A $10
monthly service charge will be assessed if your daily minimum balance falls below $500. Available on personal accounts only. To qualify to earn the bonus rate
of interest, you must meet the following each statement cycle: 1) perform at least 10 Institution for Savings Visa Debit Card purchases from this account
(transactions done at ATMs do not qualify); 2) have at least 1 direct deposit to this account; 3) pay at least 3 bills monthly from this account using our Bill Pay;
4) agree to receive your monthly account statement electronically; and 5) maintain a $500 minimum daily balance. The maximum allowed in the bonus Checking account is
$50,000. Available funds in excess of $50,000 will be automatically swept into a companion checking account and will be paid a variable interest rate which will be
less than interest paid on the Bonus Checking. When account conditions are not met, this same rate will apply and foreign ATM fees will not be refunded for that
statement cycle. Fees may reduce earnings. ATM surcharge refunds apply to non-IFS ATM fees and other non-proprietary ATM surcharges for domestic banks only with a
maximum refund amount of $20.00 per statement cycle.
Owner-Occupied Properties
All loans subject to credit approval. Property Insurance is required. Flood Insurance is required if the property is located in a designated flood hazard zone.
Fixed Rate Mortgages (Loans up to $523,750)
Click here to calculate your monthly payment
APR is based on a $175,000.00 loan with a 20% down payment. Private Mortgage Insurance (PMI) required on loans with LTV greater than 80%. PMI will increase APR.
Maximum loan amount of $523,750.00.
Maximum loan amount of $523,750.00.
Fixed Rate Mortgages - JUMBO (Loans of $523,750 and above)
Click here to calculate your monthly payment
APR is based on a $550,000.00 loan with a 20% down payment. Private Mortgage Insurance (PMI) required on loans with LTV greater than 80%. PMI will increase APR.
Maximum refinance LTV of 75%.
Maximum refinance LTV of 75%.
Fixed Rate Mortgages - NO POINTS, NO CLOSING COSTS (Loans up to $523,750)
Click here to calculate your monthly payment
APR is based on a $175,000.00 loan with a 20% down payment. Private Mortgage Insurance (PMI) required on loans with LTV greater than 80%. PMI will increase APR.
Minimum loan amount of $250,000.00. Maximum loan amount of $523,750.00. Pre-payment penalty applies.
Affordable Housing & FIRST TIME BUYER PROGRAM *
Click here to calculate your monthly payment
*Income Restrictions Apply
Ask us for the current Index and Margin used to calculate APR's.
APR is based on a $175,000 loan with a 20% down payment. Index: US Treasury Security adjusted to a constant maturity of one year as published by the Federal Reserve Board. Index Date of week ending May 2, 2008. Payments are based on a 30 year loan. Maximum loan amount $523,750.00. Pre-payment penalty may apply.
All programs subject to change without notice.
1 Unit Cost represents the monthly payment based on a $1,000 loan for the maximum term of the loan at the rate indicated.
2 Payment that may apply during the first adjustment period.
3 Your interest rate may change after the loan is consummated. Changes are limited to 2% per year after the first adjustment period, with a lifetime cap of 6% over the original interest rate.
Adjustable Rate Mortgages (Loans up to $523,750)
Click here to calculate your monthly payment
Ask us for the current Index and Margin used to calculate APR's.
APR is based on a $175,000 loan with a 20% down payment. Index: US Treasury Security adjusted to a constant maturity of one year as published by the Federal Reserve Board.
Index Date of week ending May 2, 2008. Payments are based on a 30 year loan. Maximum loan amount $523,750.00. Pre-payment penalty may apply.
All programs subject to change without notice.
2 Payment that may apply during the first adjustment period.
3 Your interest rate may change after the loan is consummated. Changes are limited to 2% per year after the first adjustment period, with a lifetime cap of 6% over the original interest rate.
Adjustable Rate Mortgages - JUMBO (Loans of $523,750 and above)
Click here to calculate your monthly payment
APR is based on a $550,000 loan with a 20% down payment. Private Mortgage Insurance (PMI) required on loans with LTV greater than 80%. PMI will increase APR.
Maximum cash out refinance LTV of 75%. APR is based on 30 year term. Loans in excess of $523,750.00. Pre-payment penalty may apply.
All programs subject to change without notice.
2 Payment that may apply during the first adjustment period.
3 Your interest rate may change after the loan is consummated. Changes are limited to 2% per year after the first adjustment period, with a lifetime cap of 6% over the original interest rate.
Fixed Rate Home Equity Loan
All rates are subject to change without notice.
1 Unit Cost represents the monthly payment based on a $1,000 loan for the maximum term of the loan at the rate indicated.
2 Payment that may apply during the first adjustment period.
No closing cost program available for loans of $50,000 or more provided that the loan is secured by a valid second position behind a Bank, Credit Union
or licensed mortgage company. Maximum loan amount of $250,000. Maximum LTV of 80% (75% for condos and Townhouses.) An early termination fee of $500.00 may apply if the
loan is paid off within one year. Other terms and conditions may apply. APR based on $50,000 loan.
Home Equity Line of Credit
All rates are subject to change without notice.
Rates change monthly with changes in the Prime rate of interest as published in The Wall Street Journal. *Bank will pay closing costs on Home Equity Lines of Credit of $25,000.00 or more if the closing takes place
in conjunction with an Institution for Savings 1st Mortgage closing, otherwise, borrower pays costs. MAXIMUM ANNUAL PERCENTAGE RATE that can apply is 18.00%. Closing costs may range from $0.00 to $800.00. Maximum loan amount of $500,000.00.
**Rate Floor of 5.00%
**Rate Floor of 5.00%
CONSUMER LOAN RATES
All programs subject to change without notice.
1Unit Cost represents the monthly payment based on a $1,000 loan for the maximum term of the loan at the rate indicated.
Simple Business NOW Checking
Business Sweep Account
** Funds invested in a Sweep Account are Secured by a United States Government Agency Bond held in a custodial account at the Federal Home Loan Bank of Boston.
Funds held by the Bank in repurchase accounts are not a deposit and such funds are not FDIC insured.
Funds held by the Bank in repurchase accounts are not a deposit and such funds are not FDIC insured.
Business Statement Savings Rates
APY denotes Annual Percentage Yield. A minimum balance of $1000 is required to open and avoid a $10.00 monthly service charge. A $5 fee is charged for each
transaction in excess of six pre-authorized, automatic, telephone banking, internet banking or 3 ATM point-of-sale transactions per calendar month.
Business Preferred Savings Account
APY denotes Annual Percentage Yield. A minimum balance of $50,000 is required to open and avoid a $10 monthly service charge. A $5 fee is charged for each
transaction in excess of six pre-authorized, automatic, telephone banking, internet banking or 3 ATM point-of-sale transactions per calendar month.
The above Statement and Preferred Savings rates are variable rates, which means that the rate of interest and Annual Percentage Yield may change after
the account is opened. Fees could reduce earnings on accounts.
Business Premium Money Market
APY denotes Annual Percentage Yield. A minimum balance of $75,000 is required to open and avoid a $10 monthly service charge. A $5 fee is charged for each
transaction in excess of six pre-authorized, automatic, telephone banking, internet banking transactions or an aggregate of 3 checks, drafts, debit card, ATM point-of-sale
transactions, or similar order to third parties per calendar month.
Business Money Market Rates
APY denotes Annual Percentage Yield. A minimum balance of $2,500 is required to open and avoid a $10 monthly service charge. A $5 fee is charged for each
transaction in excess of six pre-authorized, automatic, telephone banking, internet banking transactions or an aggregate of 3 checks, drafts, debit card, ATM point-of-sale
transactions, or similar order to third parties per calendar month.
The above Premium Money Market and Money Market rates are variable rates, which means that the rate of Interest and Annual Percentage Yield may change after
the account is opened. Fees could reduce earnings on accounts.
