Mortgage Loan Rates

¹ Annual Percentage Rate (APR) is accurate as of 4/27/2025 and is subject to change without notice. Payment shown does not include taxes and insurance premiums; therefore, the actual payment obligation will be greater.  Property insurance is required. Flood insurance may be required. APR assumes a purchase transaction of a single-family, owner-occupied home, with a 20% down payment, a $200,000 loan amount and a FICO score of 760 or higher. Rate quoted is for the purchase of an owner-occupied, single-family residence in Rhode Island, Massachusetts, and Connecticut. Closing costs apply. Subject to credit approval. Other down payments available.  Other programs and terms available. Other terms and conditions may apply. Please contact a Centreville representative at 401.821.9100 or 800.377.4424 for details.

¹Annual Percentage Rates (APR) are subject to change and may increase after consummation.  The index is the weekly average yield on U.S. Treasury Securities adjusted to a constant maturity of one-year.  Information about the index is available in the Federal Reserve Statistical Release H-15.  APRs are based on a 20% down payment, lower down payments are available and a minimum FICO score of 740.  Programs for applicants with FICO scores below 740 may be available.  Closing Costs apply.  Subject to credit approval.  Homeowners insurance is required.  Flood Insurance may apply.  Other programs and terms may be available.  Other terms and conditions apply.  Rates are available for 1 – 4 family primary residences in Rhode Island, Massachusetts, and Connecticut are eligible.  Payments do not include taxes and insurance.  Your payments may be greater. 
Please contact a Centreville representative at 401.821.9100 or 800.377.4424 for details.

¹ Annual Percentage Rates (APR) are accurate as of 4/27/2025 and are subject to change without notice. Payments shown do not include taxes and insurance premiums; therefore, the actual payment obligation will be greater.  Property insurance is required. Flood insurance may be required. APRs assume a purchase transaction of a single-family, owner-occupied home, with a 20% down payment, a $200,000 loan amount and a FICO score of 760 or higher.  Rates quoted are for the purchase of an owner-occupied, single-family residence in Rhode Island, Massachusetts, and Connecticut. Closing costs apply.  Subject to credit approval. Other down payments available.  Other programs and terms available. Other terms and conditions may apply. Please contact a Centreville representative at 401.821.9100 or 800.377.4424 for details.
 

¹ Annual Percentage Rate (APR) subject to change without notice.

² Per $1,000 Borrowed. Rate offer is subject to change at any time. Minimum loan amount $10,000, maximum loan amount $500,000. Maximum loan amount not to exceed 80% of property value on a 1-4 family owner occupied home. The payment on a 10-year Fixed-Rate Loan at 6.875 % for $50,000 is 119 payments of $577.33 and a final payment of $576.68. The APR of 6.875 % is fixed for the 10-year term. Payment does not include taxes and insurance premiums therefore payment obligation will be greater. Borrower responsible for property insurance. Subject to credit approval. Other terms available.

³ APR indicated requires automatic payment from a Centreville Bank deposit account

Monthly Payment
10 year: $11.55, with auto-pay: $11.42
15 year: $9.06, with auto-pay $8.92

³The Annual Percentage Rate (APR) is accurate as of 4/27/2025. The APR is variable and subject to change without notice and is based on the Prime Rate as published by The Wall Street Journal in effect on the last day of each month plus a margin of 0.25 basis points. Maximum APR is 18%. Maximum LTV 80%. If you open and/or maintain a Personal Plus or Personal Premium checking account with auto payment, at the time of account closing, the rate will be discounted by 0.25 basis points.  If the account and/or auto payment are closed/discontinued the discounted rate will cease and the original terms of the agreement will apply.  

Homeowners insurance is required. Flood insurance may be required.  Minimum loan amount $10,000, Maximum loan amount $1,000,000. Loan amounts are subject to change without notice. Fees will apply if held in trust, or with power of attorney, ranging from $0.00 to $500. Title insurance is required on first position loans over $250,000.  The premium is $2.50 per $1,000 for loans in RI and MA and for loans in CT, the premium is $3.27 per $1,000 for loan amounts of $200,001 to $500,000 and $2.73 per $1,000 for loan amounts of $500,001 up to $1,000,000.  A Recapture Fee will be imposed If the account is paid off and closed within 24 months of the Agreement Date; the Bank will recapture the bona fide third-party charges paid by the lender, up to $350.00, in connection with the transaction. This is not a prepayment penalty.  Please consult a tax advisor regarding the deductibility of interest.  Available on one-to-four family, owner-occupied primary residence or second homes only; RI, MA, and CT properties are eligible only.  Annual maintenance fee of $50, which is waived if the tax reported owner opens and maintains a Personal Premium checking account.  Subject to credit approval. Other terms available. Other conditions may apply.

Please contact a Centreville representative at 401.821.9100 or 800.377.4424 for details.