CRA Products & Services

In general, all consumer and business products are available at all branch locations. However, the delivery channel may differ based on location. If a location does not have an onsite lender, then a member of the lending group will facilitate the customer at that or another location by appointment.

Questions regarding transaction fees or the cost of services should be directed to your nearest branch location.

Consumer Deposit Accounts and Services

  • Checking Accounts

  • Statement Savings Accounts

  • Passbook Savings Accounts

  • Club Savings

  • Money Market Deposit Accounts

  • Certificates of Deposit

  • Traditional and Roth IRA Certificates of Deposit

  • Mobile Banking including Deposits

  • On-Line Banking / Bill Pay

  • Debit/ATM Cards

  • Debit Card Controls

  • Card Valet

  • Coin Counting** and Foreign Currency Services

  • Treasurer’s Checks / Money Orders

  • Credit Cards

  • Overdraft Protection

  • Signature Guarantees*** / Notary Services

  • Safety Deposit Boxes*

  • Wire Transfers

  • E Statements & Loan Invoices

  • Telephone Banking

  • Savings Bond Redemption

Business Deposit Accounts and Services

  • Business Checking Accounts
  • Statement Savings Accounts
  • Passbook Savings Accounts
  • Money Market Deposit Accounts
  • Certificates of Deposit
  • IRA Certificates of Deposit including SEP IRAs
  • Credit Cards
  • Debit/ATM Cards
  • Debit Card Controls
  • On-line Banking / Bill Pay
  • ACH Origination
  • Cash Management Services
    • Remote Deposit Capture
    • Mobile Check Deposits
    • Merchant Services
    • Sweep Accounts
    • Positive Pay
    • Payroll Services
    • Night Deposit
    • Overdraft Protection
  • Treasurer Checks and Money Orders
  • Domestic and International Wire Transfers
  • Small Business Coin Counting** and Foreign Currency Services
  • Signature Guarantees*** / Notary Services
  • E-Statements
  • Safety Deposit Boxes*

Consumer Loans

  • Residential Mortgages
    • Fixed Rate
    • Adjustable-Rate Mortgages (ARM)
    • Second Mortgages
    • Home Equity Lines of Credit (HELOC)
    • Home Equity Loans
    • Construction Loans
    • First Time Homebuyer Programs
    • Down Payment Assistance Programs Through the Federal Home Loan Bank of Boston
  • Personal Loans
  • Auto Loans
  • Passbook Loans

Commercial Loans

  • Commercial and Industrial Loans (C&I Loans)
    • Line of Credit
    • Term Loans
    • Equipment Loans
    • Time Notes
    • Letters of Credit
    • Acquisition Financing
    • Small Business Administration (SBA) Loan Programs
    • Massachusetts Capital Access Loan Programs
    • New Hampshire Business Finance Authority Loan Programs
    • Mass Development Loan Programs
  • Commercial Real Estate Mortgages
  • Commercial Construction and Development Loans
  • Passbook Loans

*Safe Deposit Boxes are available only at the Main Office Branch located at 180 Merrimack Street, Haverhill, MA.
**Coin Counters are available at the Main Office Branch located at 180 Merrimack Street, Haverhill, MA; at the Merrimac Branch located at 6 West Main Street, Merrimac, MA; and at the Salem, NH Branch located at 396 Main Street, Salem, NH.
***Signature guarantees services are available at the Main Office Branch located at 180 Merrimack Street, Haverhill, MA and the Rosemont Branch located at 1094 Main Street, Haverhill, MA.

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