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Current Rates

Salem Five is devoted to strengthening the greater Boston community. One of the ways we do that is by offering our customers the most competitive interest rates across all of our products, both with the interest you pay on loans and the interest you accrue on investments. We’re happy to walk you through any of the information below—just drop by your nearest location, or give us a call.


To receive posted (CD) Certificate of Deposit rate, application must be postmarked by: 4-24-2018.


1 A penalty will be imposed for premature withdrawal from Certificates of Deposit (CDs). Personal accounts only. Rates stated are accurate as of today. Fees may reduce earnings on Retirement CDs. All rates are accurate as of today.

2 The rates are accurate as of today. Rates are variable and subject to change after account opening. Fees may reduce earnings on accounts. The Star Money Market requires a Star Checking or Gold Star Checking.

3 The Annual Percentage Rate (APR) for this Star Home Equity Line is variable based on the highest domestic Prime Rate published in The Wall Street Journal. The Prime Rate as of 4/9/18 was 4.75%. In order to qualify for the 2.50% introductory rate, you must have a minimum draw amount of $25,000 at closing and monthly periodic payments must be deducted automatically from a Salem Five checking account. Call (800) 472-5365 for current rates. Minimum line amount is $25,000. Maximum line amount is $250,000. Loan to value not to exceed 70% of tax assessed value (up to 80% with a valid appraisal) or 60% for condominiums or townhouses (up to 70% with a valid appraisal.) Above LTV percentages assume either an existing Salem Five first mortgage loan or no existing lien on the subject property. 1- to 2- family owner-occupied residences only. Properties pledged as collateral that have been acquired through foreclosure, short sale, gift of equity or other similar type transactions will require a full appraisal. Trust review fees of up to $500 for properties held in trust. This offer is subject to change at any time without notice. $500 penalty for early termination. The annual fee of $50 is waived for Gold Star or On the Job Star Checking account holders. Consult a tax advisor regarding the tax deductibility of interest. **After initial 6 months, APR is the Prime Rate, which is currently 4.75%, minus 0.5%. The maximum possible APR is 18%. Property insurance is required, and flood insurance, if necessary. Other restrictions may apply, other products available. New lines only.

7 The Annual Percentage Rate (APR) for a New Auto Loan rate of 4.74% requires automatic payment from a Star Checking or Gold Star Checking account. If you choose not to establish this automatic payment, the APR is 4.99%, resulting in a monthly payment per $1,000 of $18.87.

8 The Annual Percentage Rate (APR) for a Used Auto Loan (up to 4 years old) of 5.74% requires automatic payment from a Star Checking or Gold Star Checking account. If you choose not to establish this automatic payment, the APR is 5.99%, resulting in a monthly payment per $1,000 of $23.48.

9 The Annual Percentage Rate (APR) for a Used Auto Loan (5 years or older) of 6.74% requires automatic payment from a Star Checking or Gold Star Checking account. If you choose not to establish this automatic payment, the APR is 6.99%, resulting in a monthly payment per $1,000 of $30.87.

10 Your actual APR will be determined based on Property Type, Loan Amount, Loan to Value Ratio, Credit History or other specific loan request. The maximum loan amount varies by county. Subject to credit approval. The Annual Percentage Rate (APR) quoted is available as of April 20, 2018. Rates subject to change at any time. Offer available for owner occupied, single family properties with a combined loan to value (CLTV) up to 75% or less with a credit score(s) of 740 or greater for a lock period of 30 days for purchase and rate and term refinance loans. Hazard Insurance is required. Flood Insurance may be required. Other restrictions may apply. Actual payments may be greater as payments disclosed do not include any amounts for taxes and/or insurance premiums. All mortgage loan products offered through Salem Five Mortgage Company, LLC, NMLS #4662.