FDIC-Insured – Backed by the full faith and credit of the U.S. Government

FDIC
Depositors Insurance Fund (DIF) insures all deposit amounts over FDIC limits.
Click for Charles River Bank home page.
Login

Personal Solutions

Mortgage Rates

If you’re looking to buy, build, or refinance a home, we have flexible mortgage solutions to meet almost any budget. 

Apply for a Mortgage
Apply for a Refinance

Conventional Mortgage Rates

Mortgage ProgramPointsInterest RateAPR*Payments per $1,000 borrowed.
30 Year Fixed25.750%5.979%$5.84
30 Year Fixed16.000%6.137%$6.00
30 Year Fixed06.250%6.293%$6.16
30 Year Fixed - Portfolio06.375%6.418%$6.24
20 Year Fixed25.500%5.804%$6.88
20 Year Fixed15.625%5.804%$6.95
20 Year Fixed06.000%6.056%$7.16
15 Year Fixed25.000%5.379%$7.91
15 Year Fixed15.250%5.474%$8.04
15 Year Fixed05.625%5.695%$8.24
10 Year Fixed24.750%5.288%$10.48
10 Year Fixed15.000%5.318%$10.61
10 Year Fixed05.500%5.599%$10.85
*Annual Percentage Rate (APR) as of 04/27/2026 and is subject to change without notice. APR assumes a $300,000 single-family, owner-occupied purchase or refinance transaction with the following characteristics: 20% equity, a minimum 760 credit score, and a 40-day closing. Payment amounts shown do not include real estate taxes and insurance premiums. For investment properties and 2nd homes, add 0.50% to the Interest Rate. Subject to credit approval. Rates can change at any time.

Adjustable Rate Mortgage

Mortgage ProgramTerm in YearsPointsInterest RateAPR$ per $1,000
5/1 Year Adjustable Rate30No Points6.000%6.042%$6.00
5/1 ARM with No PMI. The APR may increase during the life of the loan. At the time of an interest rate change, the new interest rate will be determined by adding the Index at the time (1 Year Treasury rate) to the Margin (2.75%), rounded to the nearest one-eighth percentage point. Each interest rate adjustment is limited to 2% from the current interest rate, with a total adjustment over the life of the loan, limited to 6% from the original Note rate. For investment properties, add 0.50% to the interest rate.

Maximum Loan Amounts

Limits vary per state/country
Number of UnitsMaximum Loan Amounts
One Unit $832,750.00
Two Units$1,066,250.00
Three Units$1,288,800.00
Four Units$1,601,750.00

Jumbo Mortgage Rates

Jumbo Mortgage LoanTerm in YearsPointsInterest RateAPR**Payments per $1,000 borrowed.
Jumbo Loan Rate - Fixed3006.500%6.543%$6.32
*Annual Percentage Rate (APR) as of 04/21/2026 and is subject to change without notice. The APR assumes a single-family, owner-occupied purchase or refinance with 20% equity and a loan amount of $806,501. The payment amounts shown do not include real estate taxes and homeowner’s insurance premiums. Subject to credit approval. Interest rates can change at any time. Any loan request over $1,000,000 will be considered and priced on a case-by-case basis.
Mortgages & Home Financing
Home Equity Loans & Lines
Educational Resources

You are now leaving Staging Site for Charles River Bank

Staging Site for Charles River Bank provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Staging Site for Charles River Bank, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy. Link will create a new tab or window.

You will be redirected to

Click the link above to continue or CANCEL