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Haverhill Drive Thru Notice:

The drive thru window and ATM at our Haverhill location will be closed on Monday March 16 and Tuesday March 17, 2026, due to maintenance. We apologize for any inconvenience this may cause you.

Annual Meeting Notification:

Join us for the annual meeting Tuesday, March 24th, 2026, 87 Hale Street, Lowell, MA 01851 at 5PM

Click here to find out more.

Seabrook Hours Change

Effective March 16, 2026, the Seabrook branch hours of operation will be changing as follows: 
Lobby: Monday - Friday 9AM - 1PM, Saturday 9AM - 12PM. For more information click here.

 

Home Refinance

Refinancing your mortgage has the potential to save you thousands of dollars over the life of your loan. If you want to take advantage of lower interest rates or the value of your home has increased, refinancing may make sense for you. But is it the right option?

Our home refinance process will help you take control of your mortgage expenses. We can help you decide by looking at the big picture and what you want to accomplish. 

Fixed Rate Mortgage

  • Various terms available
  • Easy to budget with predictable monthly payments
  • Consider a fixed rate mortgage when:
    • You don't plan to move for a number of years
    • You don't want to worry about rising interest rates
    • You expect your income to remain stable.

Adjustable Rate Mortgage

  • Fixed interest rate for the initial term then adjust for second term option according to an index.
  • Saves money with lower starting interest rate compared to a fixed rate.
  • Consider an adjustable rate mortgage when:
    • You plan to move or payoff your mortgage within 15 years
    • You want a lower monthly payment and are comfortable with a variable rate.

Disclosure:

APR= Annual Percentage Rate 

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