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Deposit Products Interest Rates Annual Percentage Yield
Traditional Money Market Accounts
$0 - $2,499
.25% .25%
$2,500 - $9,999
1.00% 1.01%
$10,000 - $49,999
1.25% 1.26%
$50,000 or more
1.50% 1.51%
Ultimate Money Market Accounts
$100,000 or more
2.75% 2.78%*
$50,000 - $99,999
2.25% 2.27%*
$0 - $49,999
.25% .25%
Easy Access Interest Checking Accounts .25% .25%
Easy Access Savings
$0 - $9,999
.50% .50%
$10,000 - $49,999
.75% .75%
$50,000 & up
1.00% 1.01%
Passbook Savings Accounts .50% .50%
Christmas Club Accounts 1.00% Simple Interest
Effective Date:05/13/08 
Please note that rates and programs are subject to change without notice. Please also note that fees could reduce earnings on an account. 
*The Annual Percentage Yield (APY) is based on an average daily balance of $50,000 or more, or $100,000 or more. For balances less than $50,000.00 an APY of .25% applies. Rates are subject to change at any time without notice. Certain transaction limits apply. Minimum deposit required for account opening is $50,000.00. This account offer may expire without notice. 

Certificates of Deposit**
Minimum Interest Rates Annual Percentage Yield
182 Day
$2500 min. 2.75% Simple Interest 2.77%
182 Day
$50,000 min. 3.00% Simple Interest 3.02%
9 Month
$2500 min. 2.75% Simple Interest 2.76%
12 Month
$1000 min. 2.75%* 2.78%
15 Month
$1000 min. 2.75%* 2.78%
2 Year
$1000 min. 3.25%* 3.30%
3 Year
$1000 min. 3.25%* 3.30%
4 Year
$1000 min. 3.25%* 3.30%
* Compounded Monthly
Effective Date: 05/13/08
**Please note that a penalty for early withdrawal may be imposed. Also, the rates on all accounts except fixed rate CD's are variable and may change after the account is opened.

Loan Products Rates Maximum Term Annual Percentage Rate Payment per $1000 Max. Loan to Value
EQUITY PLUS
Revolving Line of Credit*
$50,000 and over
5.50%* 10 year draw 5.50% $10.85 80%
$10,000-$49,999
5.75%* 10 year draw 5.75% $10.97 80%
*Floor: 5.50%
Fixed/Lock-In Portion**
$10,000 or more
6.00%** 120 months 6.00% $11.10 80%
**Floor: 6.00%
Automobile (New)
6.49% 48 mos. 6.49% $23.71 80%
7.49% 60 mos. 7.49% $20.03 80%
Automobile (Used)
9.00% 48 mos. 9.00% $24.88 80%
Check Reserve *
15.00% 15.00%
Personal Unsecured
11.5% - 14% 48 mos. 11.5% - 14% $26.08
Passbook/CD
2% over Passbook/CD Rate -
MasterCard*
11.25% WSJ Prime+6 11.25%
Current WSJ Prime
5.00% - 5.00%
Effective Date: 05/13/08
Equity and Installment Loan rates include a reduction for an automatic payment withdrawal from a Rockport National Bank account. For non-account holders a higher rate will apply. Please note that rates and programs are subject to change without notice. *The annual percentage rate may be increased after consumation. **The minimum Lock-In amount is $10,000; payments must be automatically withdrawn from an RNB account. For additional information, please contact Customer Service at 978 546-4311. Please consult a tax advisor regarding the deductibility of interest paid on s Home Equity Line of Credit.


Residential Mortgages Rate Points Max. Loan to Value Annual Percentage Rate Payment per $1000
1-4 family, Owner Occupied
Fixed Rate 30 year
6.250% 0.00 80% 6.250% $6.16
Fixed Rate 15 year
*5.875% 0.00 80% 5.875% $8.38
Fixed Rate 10 year
*5.750% 0.00 80% 5.750% $10.97
Please call our Mortgage Specialist at 978 546-3411 for rate quotes on our point options.
Mass Housing First Time Homebuyer Program** (Income Restrictions Apply)
Fixed Rate 30 year
6.125% 0.00 97% 6.125% $6.08
Jumbo Mortgages
Fixed Rate 15 year
*6.125% 0.00 80% 6.125% $8.51
Effective Date:05/13/08
* Rate shown includes a rate reduction of .25% for an automatic payment withdrawal from a Rockport National Bank account. For non-account holders a higher rate will apply.
Please note that rates and programs are subject to change without notice.


Adjustable Rate Mortgages
Please contact our Mortgage Specialists at 978-546-3411 or via email at mburke@rockportnational.com for rates, terms, and conditions.
**Mass Housing First Time Homebuyer Program - A 60 day lock applies to the Annual Percentage Rate disclosed. For more information about the program, please call one of our Mortgage Specialists.

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Serving the Cape Ann Community since 1851!
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