Finance your spring projects the smart way.


Take advantage of the equity you’ve already built into your home with a Bay State Savings Bank Home Equity Loan.

• No closing costs       
• No application fees or annual fees         
• No home appraisal needed for loans under 
  $100,000 or when LTV is less than 80%*

Unlock the equity in your home today by visiting any of our branch locations, the new Bay State Loan Center at 28 Franklin St., Worcester, or by calling us at (508) 890-9000.  Click the "Learn More" button below for more information.





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Bay State Savings Bank has real estate for sale.  To view these properties, click here.


At Bay State Savings Bank, every penny you deposit is fully insured.  Click here to learn about our FDIC and DIF insurance, and our financial soundness.


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