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Rates & Disclosures

Deposit Rates | Loan & Visa Rates


Bellwether works hard to offer our members some of the best rates in New Hampshire. From Auto Loans to Mortgages, Bellwether has just what you need. Save and earn more with Bellwether!

Mortgage Rates

Fixed Rate: * All rates and Annual Percentage Rates (APR) subject to change without notice. APR and payment example are based on a $200,000 loan with a 20% down payment. Additional Rate and Point options available. Please call 1-603-645-8181 for more information.

Adjustable Rate: Loan approval, interest rate, and down payment required based on creditworthiness amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. Property Insurance is required and flood insurance may be required. Other fees may be assessed, as applicable.

The index for all Adjustable Rate Mortgages is the weekly average of the U.S. Treasury securities for the applicable term. The interest rate on the ARMs will adjust periodically and that may result in an increase of the interest rate after closing. Rates, terms, and conditions are subject to change.

The 1/1 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 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The 3/1 ARM offers a fixed rate for 3 years 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 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The Seasonal Home 5/1 ARM offers a fixed rate for 5 years 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 3.50 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The 5/1 ARM offers a fixed rate for 5 years 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 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The 5/5 ARM offers a fixed rate for 5 years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may adjust every 5 years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual and 5% for the lifetime cap.

The Easy Start 5/5 ARM offers a fixed rate for 5 years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may adjust every 5 years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual and 5% for the lifetime cap.

The 7/1 ARM offers a fixed rate for 7 years 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 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap.

The 10/1 ARM offers a fixed rate for 10 years 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 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap.

For 1 - 4 family owner-occupied residence, condo and one-unit second homes.

Caps
1/1, 3/1, and 5/1 ARM CMT = 2/2/6
7/1 and 10/1 ARM CMT = 5/2/5
5/5 ARM CMT = 2/2/5

Index: One Year US Treasury Bill. As of 12/30/2022: 4.73, Margin: 2.75%, Your rate will be rounded up to the nearest eighth. This applies to the 1/1, 3/1, 5/1, 7/1, and 10/1 products.
Index: Three Year US Treasury Bill. As of 12/30/2022: 4.18, Margin: 3.5%, Your rate will be rounded up to the nearest eighth. This applies to the Seasonal Home.
Index: Five Year US Treasury Bill. As of 12/30/2022: 3.96, Margin: 2.50%, Your rate will be rounded up to the nearest eighth. This applies to the 5/5 and Easy Start products.

Effective Date: January 27, 2023
Account Type
Term
Rate (%)
APR (%)
Payment Example
Account Type
30 Year Fixed w/ 0 points
Term
30 yrs
Rate (%)
6.125%
APR (%)
6.215%
Payment Example
$1,215.22
Account Type
20 Year Fixed w/ 0 points
Term
20 yrs
Rate (%)
5.750%
APR (%)
5.868%
Payment Example
$1,404.17
Account Type
15 Year Fixed w/ 0 points
Term
15 yrs
Rate (%)
5.250%
APR (%)
5.319%
Payment Example
$1,607.76
Account Type
10 Year Fixed w/ 0 points
Term
10 yrs
Rate (%)
5.375%
APR (%)
5.474%
Payment Example
$2,158.16
Account Type
Construction 30 Year Fixed
Term
30 yrs
Rate (%)
6.625%
APR (%)
7.020%
Payment Example
$1,280.62
Effective Date: December 6, 2022
Account Type
Rate (%)
Annual Percentage Rate (APR) As Low As*
Account Type
1/1 ARM CMT
Rate (%)
5.625%
Annual Percentage Rate (APR) As Low As*
7.177%
Account Type
3/1 ARM CMT
Rate (%)
5.750%
Annual Percentage Rate (APR) As Low As*
6.986%
Account Type
Seasonal Home 5/1 ARM CMT
Rate (%)
6.990%
Annual Percentage Rate (APR) As Low As*
7.697%
Account Type
5/1 ARM CMT
Rate (%)
5.875%
Annual Percentage Rate (APR) As Low As*
6.778%
Account Type
5/5 ARM CMT
Rate (%)
6.125%
Annual Percentage Rate (APR) As Low As*
6.630%
Account Type
Easy Start 5/5 ARM CMT
Rate (%)
6.000%
Annual Percentage Rate (APR) As Low As*
6.603%
Account Type
7/1 ARM CMT
Rate (%)
7.250%
Annual Percentage Rate (APR) As Low As*
7.394%
Account Type
10/1 ARM CMT
Rate (%)
7.375%
Annual Percentage Rate (APR) As Low As*
7.481%
Account Type
Construction 5/1 ARM
Rate (%)
5.875%
Annual Percentage Rate (APR) As Low As*
7.122%

Fixed Rate: * All rates and Annual Percentage Rates (APR) subject to change without notice. APR and payment example are based on a $200,000 loan with a 20% down payment. Additional Rate and Point options available. Please call 1-603-645-8181 for more information.

Adjustable Rate: Loan approval, interest rate, and down payment required based on creditworthiness amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. Property Insurance is required and flood insurance may be required. Other fees may be assessed, as applicable.

The index for all Adjustable Rate Mortgages is the weekly average of the U.S. Treasury securities for the applicable term. The interest rate on the ARMs will adjust periodically and that may result in an increase of the interest rate after closing. Rates, terms, and conditions are subject to change.

The 1/1 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 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The 3/1 ARM offers a fixed rate for 3 years 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 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The Seasonal Home 5/1 ARM offers a fixed rate for 5 years 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 3.50 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The 5/1 ARM offers a fixed rate for 5 years 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 2.75 percentage points. Caps are 2% initial, 2% annual and 6% for the lifetime cap.

The 5/5 ARM offers a fixed rate for 5 years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may adjust every 5 years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual and 5% for the lifetime cap.

The Easy Start 5/5 ARM offers a fixed rate for 5 years and adjusts to a 5-year ARM after that period. The interest rate and monthly payment may adjust every 5 years based on the 5-year U.S. Treasury, plus a margin of 2.50 percentage points. Caps are 2% initial, 2% annual and 5% for the lifetime cap.

The 7/1 ARM offers a fixed rate for 7 years 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 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap.

The 10/1 ARM offers a fixed rate for 10 years 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 2.75 percentage points. Caps are 5% initial, 2% annual and 5% for the lifetime cap.

For 1 - 4 family owner-occupied residence, condo and one-unit second homes.

Caps
1/1, 3/1, and 5/1 ARM CMT = 2/2/6
7/1 and 10/1 ARM CMT = 5/2/5
5/5 ARM CMT = 2/2/5

Index: One Year US Treasury Bill. As of 12/30/2022: 4.73, Margin: 2.75%, Your rate will be rounded up to the nearest eighth. This applies to the 1/1, 3/1, 5/1, 7/1, and 10/1 products.
Index: Three Year US Treasury Bill. As of 12/30/2022: 4.18, Margin: 3.5%, Your rate will be rounded up to the nearest eighth. This applies to the Seasonal Home.
Index: Five Year US Treasury Bill. As of 12/30/2022: 3.96, Margin: 2.50%, Your rate will be rounded up to the nearest eighth. This applies to the 5/5 and Easy Start products.

Home Equity Line Rates

Bellwether offers two different HELOC products; *Home Equity Line and **Home Equity Plus Line of Credit. Rates shown are for well-qualified borrowers. For each product, the Annual Percentage Rate (APR) is variable and will be based on your creditworthiness and ability to repay. Rates are variable, based on the Wall Street Journal Prime (as of 1/1/23, 7.50%), and are subject to change at any time. Each product has an annual fee of $50, which will be charged each anniversary month, and a $344 early termination fee may apply if the account is closed within three years from account opening. If your property is held in a trust, an upfront, non-refundable $175 trust review fee applies; otherwise, there are no origination/application fees. If you pay interest only, you still owe the amounts drawn, and your monthly payment will increase when the interest-only period ends. Homeowners insurance is required.

*Home Equity Line: Rates as low as Prime - 0.25%. Prime as of 1/1/23 was 7.50%. Homeowner's insurance is required. All loans subject to credit approval. Floor rate is dependent on creditworthiness.

**Home Equity Plus Line of Credit: Maximum 100% combined loan-to-value ratio. Rates are as low as Prime +2.50%. Prime as of 1/1/23 was 7.50%. The variable APR will not exceed 18%. Floor rate is dependent on creditworthiness.

Click here for Home Equity Line Disclosure

Click Here for Home Equity Plus Line of Credit Disclosure

Effective Date: December 1, 2022
Account Type
% Financed
Annual Percentage Rate (APR) As Low As
Account Type
Home Equity Line
% Financed
Up to 85%
Annual Percentage Rate (APR) As Low As
As low as Prime - .25% (Variable)
Account Type
Home Equity Plus Line of Credit
% Financed
Up to 100%
Annual Percentage Rate (APR) As Low As
As low as Prime + 2.50% (Variable)

Bellwether offers two different HELOC products; *Home Equity Line and **Home Equity Plus Line of Credit. Rates shown are for well-qualified borrowers. For each product, the Annual Percentage Rate (APR) is variable and will be based on your creditworthiness and ability to repay. Rates are variable, based on the Wall Street Journal Prime (as of 1/1/23, 7.50%), and are subject to change at any time. Each product has an annual fee of $50, which will be charged each anniversary month, and a $344 early termination fee may apply if the account is closed within three years from account opening. If your property is held in a trust, an upfront, non-refundable $175 trust review fee applies; otherwise, there are no origination/application fees. If you pay interest only, you still owe the amounts drawn, and your monthly payment will increase when the interest-only period ends. Homeowners insurance is required.

*Home Equity Line: Rates as low as Prime - 0.25%. Prime as of 1/1/23 was 7.50%. Homeowner's insurance is required. All loans subject to credit approval. Floor rate is dependent on creditworthiness.

**Home Equity Plus Line of Credit: Maximum 100% combined loan-to-value ratio. Rates are as low as Prime +2.50%. Prime as of 1/1/23 was 7.50%. The variable APR will not exceed 18%. Floor rate is dependent on creditworthiness.

Click here for Home Equity Line Disclosure

Click Here for Home Equity Plus Line of Credit Disclosure

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