Requires an automatic monthly payment debit from a Martha's Vineyard bank checking or savings account. Without automatic debit for payment add 0.125% to the interest rate. All interest rates, Annual Percentage Rate (A.P.R.), points and caps are subject to change without notice. Rates are provided for illustrative purposes only and may vary based on loan details such as the loan amount, loan-to-value, your credit, property type and occupancy. Quoted rates are based on a refinance no-cash-out loan and owner occupied single family residence. Rates and APRs assume that an escrow account is set up for payment of property taxes, hazard insurance and mortgage insurance if applicable. A.P.R.s above assume an 80% loan-to-value.