Chicopee | Center Street

Mortgage Spring Special

^†Borrower will receive a 0.125% interest rate discount for applications received between 3/1/2026 and 4/30/2026, or preapprovals received between 3/1/2026 and 4/30/2026 with a full application received by 6/30/2026. Discount will be applied to the rate at the time of application. Offer valid for the purchase of a 1-4 family owner-occupied residence or the construction of an owner-occupied, single-family residence located in Massachusetts or Connecticut. Subject to underwriting and loan approval. May be combined with First Time Homebuyer offer, Military/First Responder offer or both offers. May not be combined with Lock & Shop program. Offer expires 4/30/2026.

WB First Time Homebuyer Mortgage Products - Fixed Rate

A first-time homebuyer is an individual who is purchasing the property, who will reside in the property as their primary home, and who has had no ownership in a residential property during the 3-year period preceding the date of the purchase of the subject property.

ᵃAll borrowers must be a first-time homebuyer. Income and location eligibility requirements apply.

Fixed Rate Mortgages

*The Land Loan is interest only for 3 years with a balloon payment at the end of the 3 years for the full principal balance.

Adjustable Rate Mortgages (ARM)³

The Annual Percentage Rate (APR) on all Adjustable Rate Mortgages (ARMs) may increase after closing. The interest rate may increase during the life of the loan which may result in a higher monthly payment.

Maximum Conforming Loan Amounts

Home Equity Line of Credit - 10 Year Draw, 15 Year Repayment Period - Up to 80% CLTV

¹The interest rate is Prime Rate as published in the Wall Street Journal minus 0.50%, currently 6.250% as of 12/11/2025 with an APR of 6.250%, can change monthly and may increase. The minimum APR is 4.250%, the maximum APR is 18%. Maximum loan-to-value (LTV) is 80%. The minimum Home Equity Line of Credit amount is $10,000. Processing fee of $199 will apply if the line of credit is approved and closed. See General Disclosures below for other closing costs. The 10-year draw period is interest only and the remaining 15-year repayment period will be the principal balance remaining at the end of the draw period divided by the number of months in the repayment period, plus interest.

Home Equity Line of Credit | 10 Year Draw, 15 Year Repayment Period - 80.01-85.00% CLTV†

²The interest rate is Prime Rate as published in the Wall Street Journal plus 0.50%, currently 7.250% as of 12/11/2025 with an APR of 7.250%, can change monthly and may increase. The minimum APR is 4.750%, the maximum APR is 18%. The minimum Home Equity Line of Credit amount is $10,000. Processing fee of $199 will apply if the line of credit is approved and closed. See General Disclosures below for other closing costs. The 10-year draw period is interest only and the remaining 15-year repayment period will be the principal balance remaining at the end of the draw period divided by the number of months in the repayment period, plus interest.

Home Equity Loan (First Lien) | 80% CLTV

Home Equity Loan (Second, Subordinate, Junior Liens) | 80% CLTV

Home Equity Loan (Second, Subordinate, Junior Liens) | > 80% to 85% CLTV†

The minimum Home Equity Loan amount is $5,000. ³Interest rate reflects a 0.25% discount if you maintain an automatic payment withdrawal from a new or existing Westfield Bank checking account. The account must be opened prior to the settlement of your loan.

Auto Loans - Consumer Only

New car loans are only available on model year 2026 up to 

• 100% of the purchase price for loan amounts up to $50,000 
• 90% of the purchase price for loan amounts up to $50,001 - $70,000 
• 80% of the purchase price for loan amounts up to $70,001 or more 

Pre-owned car loan maximum financing 2021-2026. 

• Model year 2021 has a maximum term of 36 months, Lesser of 80% of the purchase price or 80% NADA Clean Retail 
• Model year 2022 has a maximum term of 48 months, Lesser of 80% of the purchase price or 80% NADA Clean Retail 
• Model years 2023-2026 have a maximum term of 60 months, Lesser of 90% of the purchase price or 90% NADA Clean Retail 

*Rates include a 0.250% discount with automatic payment from a Westfield Bank checking account. New accounts must be opened prior to closing. Call us for more details. 

Recreational Vehicles

20% Down Payment Required.  **APR is based off of 48 months.  *Rates include a 0.250% discount with automatic payment from a Westfield Bank checking account. New accounts must be opened prior to closing. Call us for more details.

Pool and Spa Loans

90% of the purchase price with a maximum loan amount of $10,000. (Home Equity Loans or Lines of Credit may be available for any loans over $10,000.)

Personal Line of Credit

No annual fee. You only pay finance charges on the amount you borrow.