Northern Bank & Trust Company: Chelmsford Branch

14 Littleton Road
Chelmsford, MA 1824

Notable Rates	Vs. Others
Savings 4.25%	4.60% →
1-Year CD 4.50%	4.59% →
2-Year CD 4.00%	4.00% →
5-Year CD 0.65%	4.00% →
30-Year Mortgage N.A.	4.91% →
15-Year Mortgage N.A.	4.39% →
HELOC N.A.	0.99% →

Visit Northern Bank & Trust Company

Your Location:
Santa Ana,California

Northern Bank & Trust Company : Chelmsford Branch — distance 2565.27 mi

Deposit Rates - December 15, 2025

Savings and Money Market Rates	APY	MIN	MAX
SAV	4.25%	$0	-	Learn More Reviews
Northern Premium Savings	0.35%	$25	-	Learn More Reviews
Money Market	0.05%	$0	$2,499	Learn More Reviews
Money Market	0.10%	$2,500	$49,999	Learn More Reviews
Money Market	0.15%	$50,000	$249,999	Learn More Reviews
Money Market	3.25%	$50,001	$99,999	Learn More Reviews
Money Market	3.35%	$100,000	$249,999	Learn More Reviews
Money Market	0.20%	$250,000	-	Learn More Reviews
Money Market	3.50%	$250,001	-	Learn More Reviews

CD Rates	APY	MIN	MAX
6 Mo CD	5.00%	$500	-	Learn More Reviews
9 Month CD	5.00%	$500	-	Learn More Reviews
10 Month CD	5.00%	$500	-	Learn More Reviews
12 Mo CD	4.50%	$500	-	Learn More Reviews
13 Month CD	4.75%	$500	-	Learn More Reviews
15 Month CD	4.50%	$500	-	Learn More Reviews
17 Month CD	4.00%	$500	-	Learn More Reviews
18 Mo CD	4.00%	$500	-	Learn More Reviews
24 Mo CD	4.00%	$500	-	Learn More Reviews
30 Mo CD	4.00%	$500	-	Learn More Reviews
36 Mo CD	0.60%	$500	-	Learn More Reviews
48 Mo CD	0.65%	$500	-	Learn More Reviews
60 Mo CD	0.65%	$500	-	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
Northern Premium Checking	0.05%	$0	$4,999	Learn MoreShow Less
INTCK	0.10%	$5,000	-	Learn MoreShow Less

Checking Rates	APY	MIN	FEE
Northern Plus Checking	0.05%	$2,500	$10.00	Learn MoreShow Less
Northern Premium Checking	0.05%	$10,000	$20.00	Learn MoreShow Less
Northern Free Checking	0.00%	$0	$0.00	Learn MoreShow Less

Loan Rates - December 15, 2025

There are currently no loan rates available for Northern Bank & Trust Company:Chelmsford Branch

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Massachusetts 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 2059741	5.936%	5.875% 0.63 points $2,115 fees	$1,893	Learn More
NMLS ID: 1025894	6.353%	6.250% 0.88 points $3,503 fees	$1,971	Learn More
NMLS ID: 3029		points fees		Learn More

See More Mortgage Rates →

Featured - Massachusetts Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Agave Home Loans See Table	0.000 %	$0	Learn More More Info
This closed-end, fully amortizing home equity loan offers repayment terms from 15 to 30 years. The Annual Percentage Rate (APR) typically ranges from approximately 7.75% to 13.00%, depending on factors such as credit qualifications, loan-to-value ratio, property type, and market conditions. Origination fees of about 2% to 4% of the loan amount (potentially higher) may apply, and additional closing costs and fees may be required; these will be disclosed in your loan estimate. Minimum loan size of $50,000. All loan applications are subject to credit approval and formal underwriting, and product availability may vary based on property location, state restrictions, and other eligibility criteria. Rates and terms are for illustrative purposes only and are subject to change without notice; this is not a commitment to lend or an offer of credit. Homeowners insurance is required, and flood insurance may be required if the property is located in a Special Flood Hazard Area. Your home secures this loan, and you could lose your property if you fail to make payments. The maximum APR will not exceed the maximum permitted by law in your jurisdiction, and minimum and maximum loan amounts may apply. All information is provided “as is” without warranty of any kind. The lender assumes no liability for errors or omissions and reserves the right to modify or discontinue products at any time without prior notice. REFI, HELOC, & Home Equity Loan Options A+ BBB Rating & 1500+ 5-Star Reviews Get a Quote WITHOUT a Hard Credit Pull Top 3 in Customer Satisfaction by Lending Tree Q4 2024
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Splash Financial See Table	Intro APR 7.250 % After Intro: 7.250 % Intro Period: 8 months	$25,000	Learn More More Info
This rate is variable and will fluctuate with the Prime Rate as published in the Wall Street Journal. Variable Annual Percentage Rate (APR) for first and second lien position home equity lines of credit will vary with the Prime Rate as published in the Wall Street Journal. As of 11/4/2025, the variable rate for new home equity lines of credit is Prime – 0.25% to Prime + 2.50% (6.75% APR to 9.50% APR). Your rate will not exceed 18.000% APR. Making minimum interest-only payments will not pay down your principal. An annual fee of $100 will apply every year after the first year from the date of funding. Not all applicants are eligible for the maximum line of credit amount or the maximum combined loan to value (LTV). The property type, applicant creditworthiness, verified income, and third party property valuation all may affect eligibility. Maximum LTV ratios of 90%, 80% or 70% apply depending on creditworthiness and property eligibility. Offer available for owner-occupied, 1-4 unit residential properties only. For HELOC amounts at and above $100,000, Splash requires an initial draw of at least $75,000. For line amounts less than $100,000, you must draw at least 75% initially. Additional draw amounts are subject to lender minimums. To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Borrow up to $500,000 Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today

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Note to Northern Bank & Trust Company:Chelmsford Branch
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