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Mortgage Calculators
Adjustable Rate Mortgage Calculator  This calculator helps you to determine what your adjustable mortgage payments will be.
Bi-weekly Payment Calculator Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
Mortgage Loan Calculator Use this calculator to determine your monthly payment and amortization schedule.
Mortgage Points Should you buy points? Use this calculator to find out.
Mortgage Qualifier Can you buy your dream home? Find out just how much you can afford!
Refinance Breakeven  Should you refinance your mortgage? Use this calculator to determine when you will breakeven.
Rent vs. Buy Are you better off buying your home, or should you continue to rent?
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Loan Calculators
Debt Consolidation Calculator  Should you consolidate your debt? Use this calculator to find out.
Home Equity Line of Credit Calculator  How big of a home equity line of credit can you receive? Use this calculator to find out!
Loan & Credit Line Payment  This calculator helps determine your loan or credit line payment.
Loan Comparison Calculator  Use this calculator to sort through the monthly payments, fees and other costs when comparing loan options.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Credit Cards and Debt Management Calculator
How much do you owe?  Use this calculator as a starting point for your debt management plan.


Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Auto Calculators
Car Loan Calculator  Determine your car loan payment based on your purchase price or find out how much you can buy based on your monthly payment.
Home Equity Loan vs. Auto loan  Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Retirement Savings and Planning
Retirement Income  Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement Planner  Quickly determine if your retirement plan is on track - and learn how to keep it there.
Roth IRA Calculator  Use this calculator to compare the Roth IRA to an ordinary taxable investment.
Roth IRA Conversion  This calculator will show the advantage, if any, of converting your IRA to a Roth.
Roth vs. Traditional IRA  Use this calculator to determine which IRA may be right for you.
Social Security Benefits  Use this calculator to estimate your Social Security benefits.
Traditional IRA Calculator  How can contributing to a regular IRA help you in your retirement?

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Savings Calculators
Certificate of Deposit Calculator  Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
College Savings  Use this calculator to help develop or fine tune your education savings plan.
Cool Million  Find out when your savings plan may make you a millionaire!
Savings Calculator  Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Savings Goals  What will it take to reach your savings goal? This financial calculator helps you find out.
Savings, Taxes, and Inflation  Use this calculator to determine how much your savings will be worth with these two important variables in mind.


Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Security Safeguards
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SMS Text Banking
Now you can review your finances via simple text messaging on your mobile phone. Need to check your balance and look at your transactional history? Use your phone with the safety and security you’ve come to expect to truly make your money work where and when you need it. Signing up is free*.  Just log into your account and register for Mobile Text Banking on the Account Services page.

*Data fees may apply from your mobile carrier. 

Mobile Banking
It's Free & Easy to view your account information, transfer funds and pay your bills from your mobile device! No registration is required! Just login using your existing online username and password.

* Data fees may apply from your mobile carrier. 



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Protect Yourself

Adams Community Bank takes the security and privacy of our customer information seriously. To that end, on these pages are some tips for protecting your personal information. Taking just a few easy precautions can help protect your financial and personal information against identity theft. Education and awareness are great first steps.

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Copy of Your Deed Scam

Berkshire residents should be aware of a scam to purchase a copy of their deed.

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Mortgage Loan Officers (MLO)

Finding the right home can be challenging. Applying for your mortgage shouldn't be! That's why Adams Community Bank has nine licensed Mortgage Loan Officers that would love to assist you in re-financing or applying for a mortgage.

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iSWITCH
 
Adams Community Bank's simple online process makes switching your accounts as easy as "ABC."  

Switch Now    |   Download PDFs
Recent News & Events
July 24    Morning with the Steeplecats @ Park Street Branch (9-12pm) 
July 28   Main Street Stage Backyard Tour 
July 28   Steeplecats game sponsored by Adams Community Bank 
July 30   Adams Street Fair 
Aug 15    N. Adams Mayor's Downtown Celebration
Aug 24    Adams Movie Night sponsored by Adams Community Bank 

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About Banking Smarts©

Adams Community Bank's goal is to assist customers to become more informed about their finances. Here you’ll find timely tips; audio seminars; articles; and lots of info by industry experts. We encourage you to peruse these tabs and start banking smart.

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Chat with the Experts: Rory Vaden
Rory shares how to roll up your sleeves and create the hard work mentality necessary to thrive in life today. He is a Gen Y that has made a profound impact on people of all generations on how to get over an entitled mentality and how to be responsible for the outcomes of your life.
Rory shares how to roll up your sleeves and create the hard work mentality necessary to thrive in life today. He is a Gen Y that has made a profound impact on people of all generations on how to get over an entitled mentality and how to be responsible for the outcomes of your life.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Accounts) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).  Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all nontinterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. 

For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit www.fdic.gov/deposit/deposits/unlimited/html.

However, your deposits at Adams Community Bank remain insured in full under The Depositors Insurance Fund.       

ADAMS COMMUNITY BANK
ADAMSCOMMUNITY.COM
(413) 743-0001



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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

However, your deposits at Adams Community Bank remain insured in full under The Depositors Insurance Fund.

ADAMS COMMUNITY BANK
ADAMSCOMMUNITY.COM
(413) 743-0001
Business Lending Team
William Wheelock SVP, Credit Administration Email Bill (413) 749-1125
Pamela Duval  VP, Underwriting & Analysis Email Pam (413) 749-1135



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Business Development Team
Maureen Baran SVP, Business Development Email Maureen (413) 749-1171
Pamela Duval  VP, Underwriting & Analysis Email Pam (413) 749-1135
Laurie Pelczynski Business Development Officer Email Laurie (413) 749-1122
Kristin Bona Business Development Specialist Email Kris (413) 749-1165

24-Hours or Less

Finding the right mortgage program is one of the most important decisions you’ll make as a homeowner, and it can also be the most confusing. Adams Community Bank is sensitive to the needs of customers and works closely with them through every step of the process. We realize how important this process is—that's why we guarantee mortgage pre-qualification decisions in 24 hours or less*, so you don't miss out on the house of your dreams.

To find out more, contact one of our

lending specialists or visit any one of our seven convenient locations.

 

*24 hours or less includes Monday-Friday during normal business hours AND does not include Saturdays, Sundays or Bank Holidays. Pre-qualification decision assumes that key information is provided by the applicant.

First-Time Home Buyers

We can help make purchasing your first home a bit easier, less stressful and more affordable.  Our First-Time Homebuyers Program features FREE mortgage pre-qualification; 95% financing programs and guidelines that can make it easier to qualify for financing.

Plus, our friendly Mortgage Loan Originators will walk you through the application process, every step of the way!
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