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

All rates subject to change without notice. 

Loan
Type
TermMinimum 
Amount
Maximum
Amount
Annual Percentage Rate (APR)Payment in Dollars per Thousand
Home Equity Loans

Home Equity Line of Credit

Apply Online

10 year draw period, 20 year repayment*$10,000$400,000

8.75%**

 

Payments vary based on outstanding balance
12 Month Fixed Introductory Rate of 7.75%. You must maintain AutoPay from a Cape Cod 5 Personal Checking Account to be eligible for the Introductory Rate.

At the end of the Introductory Rate term there is an available discount of 0.25% for enrolling the Home Equity Line of Credit in eStatements and maintaining AutoPay from a Cape Cod 5 Personal Checking Account. 

Home Equity Loan

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10 Years$10,000$400,0008.75%120 monthly payments of $12.53 per $1,000 advanced at 8.75% APR†
† Payment example does not include taxes or insurance premiums. Actual payment obligation may be greater.

Accessory Dwelling Unit Home Equity Loan

Apply in person at a Cape Cod 5 Banking Center

15 Years$10,000$250,0008.75%180 monthly payments of $9.99 per $1,000 advanced at 8.75% APR†
† Payment example does not include taxes or insurance premiums. Actual payment obligation may be greater.

Storm Preparedness Loan

Apply in person at a Cape Cod 5 Banking Center

Up to 7 Years$5,000$15,0009.75%***84 monthly payments of $16.47 per $1,000 advanced at 9.75% APR

Sewer or Water Connection Loan

Apply Online

15 Years$5,000$25,00010.00%***180 monthly payments of $10.74 per $1,000 advanced at 10.00% APR
Energy Efficiency Loans

Home Equity Solar Loan

Apply Online

15 YearsN/A$75,0008.75%180 monthly payments of $9.99 per $1,000 advanced at 8.75% APR†
† Payment example does not include taxes or insurance premiums. Actual payment obligation may be greater.

Unsecured Solar Loan

Apply Online

All closings will be in person at a Cape Cod 5 Banking Center

10 Years$5,000$35,0009.50%***12 monthly payments of interest only. Followed by 108 payments of $12.93 per thousand advanced at 9.50% APR

MassSave® HEAT Loan (micro)

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All closings will be in person at a Cape Cod 5 Banking Center

24 months$500$2,0000.00%24 monthly payments of $41.67 per $1,000 borrowed at 0.00% APR

MassSave® HEAT Loan (standard)

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All closings will be in person at a Cape Cod 5 Banking Center

84 months$2,001$25,0000.00%84 monthly payments of $11.90 per $1,000 borrowed at 0.00% APR

MassSave® HEAT Loan (Non-Owner Occupied/Investment Properties)

Apply Online

All closings will be in person at a Cape Cod 5 Banking Center

84 months$5,000$25,0000.00%84 monthly payments of $11.90 per $1,000 borrowed at 0.00% APR

MassSave® HEAT Loan (super)
 

Apply Online

All closings will be in person at a Cape Cod 5 Banking Center

84 months$25,001$50,0000.00%84 monthly payments of $11.90 per $1,000 borrowed at 0.00% APR
Personal Unsecured Loans

Personal Overdraft Line of Credit

Apply Online

All closings will be in person at a Cape Cod 5 Banking Center

N/A$500 (advances in $50 increments)$2,50017.00%Payments vary based on outstanding balance

Unsecured Personal Loan

Apply Online

All closings will be in person at a Cape Cod 5 Banking Center

36 months$1,000$5,00013.75%36 monthly payments of $34.05 per $1,000 advanced at 13.75% APR

 

Loan
Type
TermMinimum 
Amount
Maximum
Amount
Max Loan
to Value Ratio
Annual Percentage Rate (APR)Payment in Dollars per Thousand
Vehicle Loans

New Vehicle

Apply Online

All closings will be in person at a Cape Cod 5 Banking Center

72 months for the current model year (i.e. 2022)  90%

11.00%***

 

72 monthly payments of $19.03 per $1,000 borrowed at 11.00% APR

Used Vehicle

Apply Online

All closings will be in person at a Cape Cod 5 Banking Center

48 months for 2019 or newer models  80%11.75%***48 monthly payments of $26.21 per $1,000 borrowed at 11.75% APR
Boat Loans for Boat Lengths of 26' or Less

New Boat

Apply Online

All closings will be in person at a Cape Cod 5 Banking Center

60 months  80%12.25%***60 monthly payments of $22.37 per $1,000 borrowed at 12.25% APR

Used Boat

Apply Online

All closings will be in person at a Cape Cod 5 Banking Center

36 months  80%13.00%***36 monthly payments of $33.69 per $1,000 borrowed at 13.00% APR

*Interest-only payments during draw period.

**Annual Percentage Rate - Wall Street Journal Prime Rate +0.25%. 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, which is waived for Premier5 relationship customers. 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.

***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.

 

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