We offer customers many options with competitive rates and flexible terms:
All rates subject to change without notice. Rates as of
February 1, 2012
| Loan Type | Term | Minimum Amount | Maximum Amount | Max Loan to Value Ratio | Annual Percentage Rate (APR) | Payment in Dollars per Thousand |
| Home Equity Line of Credit** | 10 year draw period, 10 year repayment | $10,000 | $200,000 | 80% Homes 70% Condo | 4.25%** | Payments vary based on outstanding balance. |
| 10 year draw period, 10 year repayment | $200,001 | $400,000 | 70% Homes 60% Condo | 4.25%** | Payments vary based on outstanding balance. | |
| Home Equity Loan | 10 Years | $10,000 | $200,000 | 80% Homes 70% Condo | 4.50% | $10.36 |
| 10 Years | $200,001 | $400,000 | 70% Homes 60% Condo | 4.50% | $10.36 | |
| Personal Overdraft Line of Credit | N/A | $500 (Advances in $50 increments) | $2,500 | N/A | 16.00% | Payments vary based on outstanding balance. |
| Personal Loans | 36 months | $1,000 | $5,000 | N/A | 14.00% | $34.18 |
| Vehicle Loans | ||||||
| New Vehicle | 72 months for the current model year. | 90% | *5.75% | $16.46 | ||
| Used Vehicle | 48 months for 2008 or newer models. | 80% | *7.25% | $24.06 | ||
| Boat Loans for boat lengths of 26' or less. | ||||||
| New Boat | 60 months | 80% | *9.00% | $20.76 | ||
| Used Boat | 36 months | 80% | *9.00% | $31.80 | ||
| Septic Loans (1) | 60 months | $1,000 minimum | $7,500 maximum | N/A | *9.25% | $20.88 |
| MassSave HEAT Loan (standard) | 84 months | $2,001 | $15,000 | N/A | 0.00% | $11.90 |
| MassSave HEAT Loan (micro) | 24 months | $500 | $2,000 | N/A | 0.00% | $41.67 |
* Annual Percentage Rate with Autopay - Your loan payment can be automatically paid from your Cape Cod Five checking or Savings account. Automatic payment on automobile and other loans, may qualify you for a discount (between .25% and .50%) on your rate.
** Annual Percentage Rate - Wall Street Journal Prime plus 1%. As of 1/31/12 the Prime Rate was 3.25%. Annual Percentage Rate will never be more than 18.000% nor less than 3.500%. This is a variable rate product. Property insurance is required. Additional discounts are available subject to underwriting guidelines. A $750 termination fee will be assessed if terminated within first 12 months. A $500 increase fee will be assessed if requested within 6 months of opening.
1 Helps Cape Cod homeowners upgrade to Title Five standards or replace their septic system.
Equal Housing Lender.
Member 
