Tammy Hawkins
Community Banking Officer

NMLS Registry Number – 500261

196 Timpany Blvd.
Gardner, MA 01440

Office: 978-321-5121
Fax: 978-632-2456

Email: thawkins@atholsb.com

Business Hours: Monday through Friday 8:00 am - 5:00 pm

Lending Area: Serving Gardner and surrounding communities.

Tammy joined Athol Savings Bank in July of 2015 as the Community Banking Officer in our Gardner Branch. Bringing over 20 years experience helping families, businesses and individuals with all of their banking needs, she enjoys getting to know her customers, building relationships and helping people by providing solutions for their financial needs. Tammy is on the Money Management advisory board for Montachusett Home Care Corp and is an Ambassador for the Greater Gardner Chamber of Commerce.


Athol Savings Bank is proud to provide new and existing customers with modern technology and advanced services to fulfill their banking needs online. Applying for mortgages and home equity loans online is easy.

  1. Check Rates to get a personalized quote to suit your needs.
  2. Apply Now and complete the application. A Loan Officer will be assigned to you based on the subject property location after you submit your application.
  3. Choose a Loan Officer if you prefer to work with a particular Loan Officer.
  4. Click Loan Status/View Disclosures if you have already started an application and would like to log in to your profile to check the status or review your disclosures.

Want to have personal assistance?

You can call or email me to answer any of your questions or to ask for advice.


We offer pre-qualifications, so you can shop for your home knowing that you can afford the mortgage.

Confused about which program to choose?

We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. I will assist you with explanations of each program on the site and I am always just a call or email away!