We offer many loan options with competitive rates and flexible terms.
All rates subject to change without notice.
|
Loan |
Term |
Minimum |
Maximum |
Max Loan |
Annual Percentage Rate (APR) |
Payment in Dollars per Thousand |
|---|---|---|---|---|---|---|
|
Home Equity Line of Credit |
10 year draw period, 20 year repayment** |
$10,000 |
$100,000 |
75% Homes, 70% Condo |
4.25%*
|
Payments vary based on outstanding balance. |
|
Home Equity Loan |
10 Years | $10,000 | $100,000 | 75% Homes, 70% Condo | 4.25% | 120 monthly payments of $10.24 per $1,000 advanced at 4.25% APR† |
|
Solar Loan Program |
15 Years | N/A | $50,000 | 80% Homes | 3.25% | 180 monthly payments of $7.03 per $1,000 advanced at 3.25% APR† |
|
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 |
9.90% |
36 monthly payments of $32.22 per $1,000 advanced at 9.90% APR |
| †Payment example does not include taxes or insurance premiums. Actual payment obligation may be greater. | ||||||
|
Vehicle Loans |
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|
New Vehicle |
72 months for the current model year. |
90% |
5.25%*** |
72 monthly payments of $16.22 per $1,000 borrowed at 5.25% APR |
||
|
Used Vehicle |
48 months for 2015 or newer models. |
80% |
6.00%*** |
48 monthly payments of $23.49 per $1,000 borrowed at 6.00% APR |
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|
Boat Loans for boat lengths of 26' or less |
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|
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 |
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|
HEAT Loans |
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| 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 |
|
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 (Non-Owner Occupied/Investment Properties) |
84 months |
$5,000 |
$25,000 |
N/A |
0.00% |
84 monthly payments of $11.90 per $1,000 borrowed at 0.00% APR |
*Annual Percentage Rate - Wall Street Journal Prime Rate +1.00%. Annual Percentage Rate will never be more than 18.000% or less than 3.00%. 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. An early termination fee of $400 will apply if the line is terminated within the first 24 months. You also must pay certain fees to third parties. These fees generally total between $0 and $2500. If you ask, we will give you an itemization of the fees you will have to pay to third parties.
**Interest-only payments during draw period.
***Annual Percentage Rate with AutoPay - Your loan payment can be automatically paid from your Cape Cod 5 checking or savings account. Automatic payment on automobile and other loans may qualify you for a discount (between .25% and .50%) on your rate.