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

All rates subject to change without notice. 

Loan
Type

Term

Minimum 
Amount

Maximum
Amount

Max Loan
to Value Ratio

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

$250,000

80% Homes, 70% Condo

5.25%*

 

Payments vary based on outstanding balance

Home Equity Loan

Apply Online

10 Years

$10,000

$250,000

80% Homes, 70% Condo

4.75%

120 monthly payments of $10.48 per $1,000 advanced at 4.75% APR†

Accessory Dwelling Unit Home Equity Loan

Apply in person at a Cape Cod 5 Banking Center

15 Years

$10,000

$250,000

80% Owner Occupied Single Family Homes

4.75%

180 monthly payments of $7.78 per $1,000 advanced at 4.75% APR†

Storm Preparedness Loan

Apply in person at a Cape Cod 5 Banking Center

Up to 7 Years $1,000 $15,000 N/A 5.25%*** 84 monthly payments of $14.25 per $1,000 advanced at 5.25% APR†

Sewer Connection Loan

Apply Online

15 Years $5,000 $25,000 N/A 5.49%*** 180 monthly payments of $8.17 per $1,000 advanced at 5,49% APR†

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

Energy Efficiency 
Loans

Home Equity Solar Loan

Apply Online

15 Years

N/A

$75,000

80% Homes

4.75%

180 monthly payments of $7.78 per $1,000 advanced at 4.75% 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

$35,000

N/A

5.00%***

12 monthly payments of interest only. Followed by 108 payments of $11.52 per thousand advanced at 5.00% APR

MassSave® HEAT Loan (micro)

Apply Online

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

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)

Apply Online

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

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)

Apply Online

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

84 months $5,000 $25,000 N/A 0.00% 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)

$2,500

N/A

16.00%

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

$5,000

N/A

9.75%

36 monthly payments of $32.15 per $1,000 advanced at 9.75% APR

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%

6.50%***

72 monthly payments of $16.81 per $1,000 borrowed at 6.50% APR

Used Vehicle

Apply Online

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

48 months for 2018 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

Apply Online

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

 60 months

 

 

80%

7.75%***

60 monthly payments of $20.16 per $1,000 borrowed at 7.75% APR

Used Boat

Apply Online

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

36 months

 

 

80%

8.50%***

36 monthly payments of $31.57 per $1,000 borrowed at 8.50% APR

*Annual Percentage Rate - Wall Street Journal Prime Rate +0.50%. 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.

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