Loan Rates

We offer many loan options with competitive rates and flexible terms.

All rates subject to change without notice. Rates as of February 1, 2018.

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, 15 year repayment**

$10,000

$250,000

80% Homes, 70% Condo

4.75%*

Payments vary based on outstanding balance.

 

10 year draw period, 15 year repayment**

$250,001

$500,000

70% Homes, 60% Condo

4.75%*

Payments vary based on outstanding balance.

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%

36 monthly payments of $34.18 per $1,000 advanced at 14.00% APR

Home Equity Loan

10 Years

$10,000

$200,000

80% Homes, 70% Condo

4.75%

120 monthly payments of $10.36 per $1,000 advanced at 4.50% APR†

 

10 Years

$200,001

$400,000

70% Homes, 60% Condo

4.75%

120 monthly payments of $10.36 per $1,000 advanced at 4.50% APR†

 †Payment example does not include taxes or insurance premiums. Actual payment obligation may be greater.

Vehicle Loans 

New Vehicle

72 months for the current model year.

   

90%

5.75%***

72 monthly payments of $16.46 per $1,000 borrowed at 5.75% APR

Used Vehicle

48 months for 2014 or newer models.

   

80%

7.25%***

48 monthly payments of $24.06 per $1,000 borrowed at 7.25% APR

Boat Loans for boat lengths of 26' or less

New Boat

 60 months

   

80%

9.00%***

60 monthly payments of $20.76 per $1,000 borrowed at 9.00% APR

Used Boat

36 months

   

80%

9.00%***

36 monthly payments of $31.80 per $1,000 borrowed at 9.00% APR

HEAT Loans

MassSave HEAT Loan (standard)

84 months

$2,001

$25,000

N/A

0.00%

84 monthly payments of $11.90 per $1,000 borrowed at 0.00% APR

MassSave HEAT Loan (micro)

24 months

$500

$2,000

N/A

0.00%

24 monthly payments of $41.67 per $1,000 borrowed at 0.00% APR

*Annual Percentage Rate - Wall Street Journal Prime plus 0.25%. As of 12/14/17 the Prime Rate was 4.50%. Annual Percentage Rate will never be more than 18.000% or less than 2.75%. This is a variable rate product. Property insurance is required. Additional discounts may be available subject to underwriting guidelines. An annual fee of $50 will be assessed. A $400 increase fee will be assessed if requested within 6 months of opening. An early termination fee of $400 will apply if the line is terminated within the first 24 months.

**Interest-only payments during draw period.

***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.

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