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Rates

Personal Checking - Updated May 15, 2013
Product	Type of Compounding	Minimum Balance to Open	Minimum Balance to Earn APY	Annual Percentage Yield (APY)
Free Checking with Interest	Monthly	$10	$1,000 - $1,999	0.05%
Free Checking with Interest	Monthly	$10	$2,000 or more	0.05%
Personal Money Market Checking	Monthly	$2,500	$10 - $2,499	0.05%
			$2,500 - $9,999	0.05%
			$10,000 - $24,999	0.10%
			$25,000 - $49,999	0.15%
			$50,000 - $99,999	0.20%
			$100,000 or more	0.25%
Fees may reduce earnings. Rates are variable and may change after account opening.

Savings Rates - Updated May 15, 2013
Product	Type of Compounding	Minimum Balance to Open	Minimum Balance to Earn APY	Annual Percentage Yield (APY)
Passbook Savings	Monthly	$10	$10	0.15%
Statement Savings	Monthly	$10	$10	0.15%
Holiday Club	Monthly	$5	$10	0.15%
Fees may reduce earnings. Rates are variable and may change after account opening.

CD Rates - Updated May 15, 2013
Product	Type of Compounding	Minimum Balance to Open and Earn APY	Annual Percentage Yield (APY)
91 Day CD	Monthly	$2,500	0.30%
6 Month CD	Monthly	$2,500	0.30%
1 Year CD	Daily	$1,000	0.35%
2 Year CD	Daily	$1,000	0.65%
3 Year CD	Daily	$1,000	0.75%
A penalty may be imposed for early withdrawal.

IRA Rates - Updated May 15, 2013
Product	Type of Compounding	Minimum Balance to Open and Earn APY	Annual Percentage Yield (APY)
1 Year IRA	Daily	$500	0.35%
2 Year IRA	Daily	$500	0.65%
3 Year IRA	Daily	$500	0.75%
A penalty may be imposed for early withdrawal.

For current rates on all of our Residential Mortgage Products, please use our convenient Locate a Lending Manager tool to find the member of our Mortgage Lending Team that services your area.

Mortgage Rates - Updated May 15, 2013
Product	Rate	Points	Annual Percentage Rate (APR)	Monthly Payment Per $1,000
Home Mortgages	Call 888.828.1690 for details Loans are subject to credit approval.
Construction/Perm

Home Equity Rates - Updated May 15, 2013
Product	Term	Annual Percentage Rate (APR)	Monthly Payment Per $1000
Home Equity Line	20 Years	4.50%*
Home Equity Loan	5 years	5.75%	$19.21
	10 years	6.00%	$11.10
	15 years	6.125%	$8.51
	20 years	6.75%	$7.60
Rates and terms subject to change without notice. *Annual Percentage Rate (APR) will be as low as Prime minus 0.50% with automatic deduction from a Bank of Canton account and Prime without automatic deduction. APR will never be lower than 4.50%. Prime Rate as of 4/30/13 is 3.25%. APR is variable monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the month, effective the first day of the following month. Maximum APR is 18%. 1-4 family owner-occupied or second homes in MA. Maximum loan-to-value of 75%. Property insurance required. Flood insurance may be required. $350 early termination fee for closing line within 3 years. A one time Insurance Tracking Fee of $95 will be imposed on Home Equity Loans and Lines greater than $250,000. Consult tax advisor regarding deductibility of interest. Other rates, terms and programs available. Maximum lines and loans of $300,000. Payments do not include amounts for tax and insurance premiums, if applicable, and the actual payment may be greater.

Installment Loan Rates - Updated May 15, 2013
Product	Term	Annual Percentage Rate (APR)	Monthly Payment Per $1000
Personal Loans	48 months	12.00%	$26.33
Auto - New	24 months	5.75%	$44.20
	36 months	5.75%	$30.30
	48 months	5.75%	$23.37
	60 months	6.00%	$19.33
Auto - Used	48 months	6.50%	$23.71
Advance Account (Overdraft Protection)	revolving	16.00%
Rates and terms subject to change without notice. Installment loans are restricted to MA residents. Loans are subject to credit approval.

Commercial Checking Rates - Updated May 15, 2013
Product	Type of Compounding	Minimum Balance to Open	Minimum Balance to Earn APY	Annual Percentage Yield (APY)
Commercial Money Market Checking	Monthly	$2,500	$2,500 - $9,999	0.05%
			$10,000 - $24,999	0.10%
			$25,000 - $49,999	0.15%
			$50,000 - $99,999	0.20%
			$100,000 or more	0.25%
Fees may reduce earnings. Rates are variable and may change after account opening.

Commercial Savings Rates - Updated May 15, 2013
Product	Type of Compounding	Minimum Balance to Open	Minimum Balance to Earn APY	Annual Percentage Yield (APY)
Statement Savings	Monthly	$10	$10	0.15%
Fees may reduce earnings. Rates are variable and may change after account opening.

For current Business Loan Rates, please contact a member of our Business Lending Team.
For current Commercial Real Estate Loan Rates, please contact a member of our Commercial Real Estate Lending Team.
For current Construction Loan Rates for builders and businesses, please contact a member of our Construction Lending Team.

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Featured Rates

Featured Deposit Rates

Personal Statement Savings
0.15% APY*
3 Year Certificate of Deposit
0.75% APY**

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Home Mortgages
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Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. B.O.C. Financial Services is a trade name of Bank of Canton. Infinex is not affiliated with the bank. Products and services made available through Infinex are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.

B.O.C. Life Solutions, LLC is a wholly-owned subsidiary of The Bank of Canton. The information provided on this website page is not legal advice, but general information on financial matters that involve commonly encountered legal issues. The Bank of Canton is not a law firm and its employees are not lawyers and cannot be a substitute for an attorney or law firm. The Bank of Canton cannot provide legal advice and can only provide informational services at your specific direction and request. The Bank of Canton and B.O. C. Life Solutions are not tax advisors. Please consult your tax advisor.