We offer many loan options with competitive rates and flexible terms.
All rates subject to change without notice.
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Loan
Type
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Term
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Minimum
Amount
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Maximum
Amount
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Annual Percentage Rate (APR)
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Payment in Dollars per Thousand
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Home Equity Loans
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Home Equity Line of Credit
Apply Online
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10 year draw period, 20 year repayment*
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$10,000
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$400,000
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8.75%**
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Payments vary based on outstanding balance
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12 Month Fixed Introductory Rate of 7.50%. 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.
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Home Equity Loan
Apply Online
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10 Years
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$10,000
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$400,000
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8.75%
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120 monthly payments of $12.53 per $1,000 advanced at 8.75% APR†
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| † Payment example does not include taxes or insurance premiums. Actual payment obligation may be greater. |
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Accessory Dwelling Unit Home Equity Loan
Apply in person at a Cape Cod 5 Banking Center
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15 Years
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$10,000
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$250,000
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8.75%
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180 monthly payments of $9.99 per $1,000 advanced at 8.75% APR†
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| † Payment example does not include taxes or insurance premiums. Actual payment obligation may be greater. |
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Storm Preparedness Loan
Apply in person at a Cape Cod 5 Banking Center
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Up to 7 Years |
$5,000 |
$15,000 |
9.75%*** |
84 monthly payments of $16.47 per $1,000 advanced at 9.75% APR |
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Sewer or Water Connection Loan
Apply Online
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15 Years |
$5,000 |
$25,000 |
10.00%*** |
180 monthly payments of $10.74 per $1,000 advanced at 10.00% APR |
Energy Efficiency Loans
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Home Equity Solar Loan
Apply Online
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15 Years
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N/A
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$75,000
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8.75%
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180 monthly payments of $9.99 per $1,000 advanced at 8.75% APR†
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† Payment example does not include taxes or insurance premiums. Actual payment obligation may be greater.
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Unsecured Solar Loan
Apply Online
All closings will be in person at a Cape Cod 5 Banking Center
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10 Years
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$5,000
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$35,000
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9.50%***
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12 monthly payments of interest only. Followed by 108 payments of $12.93 per thousand advanced at 9.50% APR
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MassSave® HEAT Loan (micro)
Apply Online
All closings will be in person at a Cape Cod 5 Banking Center
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24 months
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$500
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$2,000
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0.00%
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24 monthly payments of $41.67 per $1,000 borrowed at 0.00% APR
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MassSave® HEAT Loan (standard)
Apply Online
All closings will be in person at a Cape Cod 5 Banking Center
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84 months
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$2,001
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$25,000
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0.00%
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84 monthly payments of $11.90 per $1,000 borrowed at 0.00% APR
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MassSave® HEAT Loan (Non-Owner Occupied/Investment Properties)
Apply Online
All closings will be in person at a Cape Cod 5 Banking Center
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84 months |
$5,000 |
$25,000 |
0.00% |
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
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84 months |
$25,001 |
$50,000 |
0.00% |
84 monthly payments of $11.90 per $1,000 borrowed at 0.00% APR |
Personal Unsecured Loans
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Personal Overdraft Line of Credit
Apply Online
All closings will be in person at a Cape Cod 5 Banking Center
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N/A
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$500 (advances in $50 increments)
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$2,500
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17.00%
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Payments vary based on outstanding balance
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Unsecured Personal Loan
Apply Online
All closings will be in person at a Cape Cod 5 Banking Center
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36 months
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$1,000
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$5,000
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13.75%
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36 monthly payments of $34.05 per $1,000 advanced at 13.75% APR
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Loan
Type
|
Term
|
Minimum
Amount
|
Maximum
Amount
|
Max Loan
to Value Ratio
|
Annual Percentage Rate (APR)
|
Payment in Dollars per Thousand
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|---|
Vehicle Loans
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New Vehicle
Apply Online
All closings will be in person at a Cape Cod 5 Banking Center
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72 months for the current model year (i.e. 2022)
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90%
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11.00%***
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72 monthly payments of $19.03 per $1,000 borrowed at 11.00% APR
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Used Vehicle
Apply Online
All closings will be in person at a Cape Cod 5 Banking Center
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48 months for 2019 or newer models
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|
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80%
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11.75%***
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48 monthly payments of $26.21 per $1,000 borrowed at 11.75% APR
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Boat Loans for Boat Lengths of 26' or Less
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New Boat
Apply Online
All closings will be in person at a Cape Cod 5 Banking Center
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60 months
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80%
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12.25%***
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60 monthly payments of $22.37 per $1,000 borrowed at 12.25% APR
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Used Boat
Apply Online
All closings will be in person at a Cape Cod 5 Banking Center
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36 months |
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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.
