We meet you where you are with options to help you achieve your building goals.
| Loan Type | Interest Rate | Points | APR |
|---|---|---|---|
| 30-Year Fixed | 6.125% | 0.00 | 6.378% |
| 30-Year Fixed Jumbo | 6.125% | 0.00 | 6.243% |
| 1/1 ARM Land Loan | 9.125% | 0.00 | 9.848% |
Annual Percentage Rate (APR) shown is the lowest rate offered, including discounts and based on credit score. Rates are subject to change without notice.
The Fixed 30 Year Construction loan term begins with a 12 month interest only construction period followed by a fully amortized re-payment period for the remaining 348 months.
Construction loans are only available if home is being built in New Hampshire, Massachusetts, Maine or Vermont.
A payment example for a Construction Mortgage Loan with $100,000 loan amount and 6.375% interest rate and annual percentage rate of 6.632% will have a monthly principal and interest payment of $631.09.
The APR in the payment example was effective on December 31, 2025. The current APR may be different than the APR used in the payment example.
1/1 Land Loan (ARM)
The 1/1 Land Loan ARM offers a fixed rate for 1 year and adjusts to a 1-year ARM after that period. The interest rate and monthly payment may adjust annually based on the 1-year U.S Treasury, plus a margin of 6 percentage Points. Caps are 2% annual and 6% lifetime.
Put your money to work, and see the benefits in your accounts and the world around you.