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 Line of Credit

Apply Online

10 year draw period, 20 year repayment**

$10,000

$100,000

75% Homes, 70% Condo

3.75%*

 

Payments vary based on outstanding balance.

  10 year draw period, 20 year repayment** $100,000.01 $250,000 70% Homes, 65% Condo 3.75%* Payments vary based on outstanding balance.

Home Equity Loan

Apply Online

10 Years $10,000 $100,000 75% Homes, 70% Condo 3.25% 120 monthly payments of $9.77 per $1,000 advanced at 3.25% APR†
  10 Years $100,000.01 $250,000 70% Homes, 65% Condo 3.25% 120 monthly payments of $9.77 per $1,000 advanced at 3.25% APR†

Accessory Dwelling Unit Home Equity Loan

Apply in Banking Center

15 Years $10,000 $100,000 80% Owner Occupied Single Family Homes 3.25% 180 monthly payments of $7.03 per $1,000 advanced at 3.25% APR†
  15 Years $100,000.01 $250,000 75% Owner Occupied Single Family Homes 3.25% 180 monthly payments of $7.03 per $1,000 advanced at 3.25% APR†

Home Equity Solar Loan

Apply Online

15 Years N/A $75,000 80% Homes 3.25% 180 monthly payments of $7.03 per $1,000 advanced at 3.25% APR†

Unsecured Solar Loan

Apply Online

10 Years $5,000 $25,000 N/A 3.75%*** 12 monthly payments of interest only. Followed by 108 payments of $10.92 per thousand advanced at 3.75% APR

Personal Overdraft Line of Credit

Apply Online

N/A

$500 (Advances in $50 increments)

$2,500

N/A

16.00%

Payments vary based on outstanding balance.

Unsecured Personal Loan

Apply Online

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 

New Vehicle

Apply Online

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

Apply Online

48 months for 2016 or newer models.

   

80%

6.00%***

48 monthly payments of $23.49 per $1,000 borrowed at 6.00% APR

Boat Loans for boat lengths of 26' or less

New Boat

Apply Online

 60 months

   

80%

9.00%***

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

Used Boat

Apply Online

36 months

   

80%

9.00%***

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

HEAT Loans

Mass Save® HEAT Loan (micro)

Apply Online

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

Mass Save® HEAT Loan (standard)

Apply Online

84 months

$2,001

$25,000

N/A

0.00%

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

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

Apply Online

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 +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.

Need Help?

Call 888-225-4636

—  or  —

  Email Us