Home Equity

¹APR = Annual Percentage Rate. Loan amounts from $20,000 – $300,000 for 1-4 family primary residences within Massachusetts, New Hampshire, and Rhode Island. Bluestone Bank will waive fees to obtain a Home Equity loan. Fees to be waived include automated valuation (AVM) fee, credit report fee, flood zone determination fee, and legal fees. Appraisal fee, if required, is payable in advance by applicant. Points paid at closing. 80% combined loan-to-value ratio up to $200,000 for 1-family residences and condominiums. Lower loan-to-value ratio applies to all other transaction & property types. Rates shown assume monthly payments are made via automatic payment from a Bluestone Bank checking or statement savings account. Add 0.25% to rate if automatic payment is not desired. All home equity products require proof of adequate property insurance. Subject to credit approval. Limited time offer.

²APR = Annual Percentage Rate. Loan amounts from $20,000 – $300,000 for 1-4 family primary residences within Massachusetts, New Hampshire, and Rhode Island. Bluestone Bank will waive fees to obtain a Home Equity loan. Fees to be waived include automated valuation (AVM) fee, credit report fee, flood zone determination fee, and legal fees. Appraisal fee, if required, is payable in advance by applicant. 80% combined loan-to-value ratio up to $200,000 for 1-family residences and condominiums. Lower loan-to-value ratio applies to all other transaction & property types. Monthly payment example based on minimum term. Rates shown assume monthly payments are made via automatic payment from a Bluestone Bank checking or statement savings account. Add 0.25% to rate if automatic payment is not desired. All home equity products require proof of adequate property insurance. Subject to credit approval.

³Annual Percentage Rate (APR) based on the Prime Rate as published in The Wall Street Journal on the last business day of the billing cycle. This rate may increase or decrease monthly. As of December 11, 2025, the Prime Rate is 6.75%. The maximum APR is 18.00% and the minimum Floor Rate is 4.50% during the life of the line of credit. Line amounts from $20,000 to $300,000 for 1-2 family primary residences within Massachusetts, Rhode Island, and New Hampshire. Bluestone Bank will waive fees to obtain a Home Equity product. Fees to be waived include automated valuation (AVM) fee on single family homes, credit report fee, flood zone determination fee, and legal fees. Appraisal fee, if required, is payable in advance by applicant. There is a $50 annual fee. There is a $400 early termination fee if the line is terminated within 36 months after the Agreement is signed. 80% combined loan-to-value ratio up to $200,000 for 1-family residences and condominiums. Lower loan-to-value ratio for all other transaction & property types. All home equity products require proof of adequate property insurance. Subject to credit approval. Rates subject to change.