Cape Cod 5 offers a variety of loans with competitive rates and flexible terms to meet your needs.


Whether you are buying or refinancing, we have solutions to help and our experienced mortgage team will be by your side throughout every stage of the process, from your first inquiry to your closing - and beyond.

Learn about mortgage options    Apply now

Home Equity Loans or Lines of Credit

Put the equity in your home to work for you. Check out our Home Equity Lines of Credit and Loans.

Learn more   Apply for a Home Equity Loan   Apply for a Home Equity Line of Credit

Solar Loans

Switching to solar? Cape Cod 5 can help with solar financing, offering flexible terms and competitive rates to qualifying homeowners.

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Accessory Dwelling Unit (ADU) Loans

Cape Cod 5 offers a home equity loan and a mortgage program to support the creation of ADUs to help meet the needs of homeowners, while also addressing the demand for diverse local housing options.

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Mass Save® HEAT Loans

HEAT loans are available to qualified customers participating in the Mass Save® Program and is designed to promote energy efficiency in your home or condominium. Customers are eligible to apply for a 0% Annual Percentage Rate (APR) loan and obtain applicable utility rebates.

If you are interested in a HEAT Loan for your house or condo:

  • Contact Mass Save® at 866-527-7283 to find out what is eligible for financing and schedule a Home Energy Assessment to determine if you qualify for a HEAT loan
  • Complete the necessary forms received from a Mass Save® representative and secure a signed contractor proposal for each improvement
  • Submit Mass Save® forms and contractor proposal to your Mass Save® HEAT Loan Administrator
  • Receive a HEAT loan Authorization Form from your Mass Save® HEAT Loan Administrator
  • Apply for a HEAT loan with Cape Cod 5

Apply Now    Learn more at the Mass Save® website

Storm Preparedness Loans

Build your home's resilience to weather events. Cape Cod 5 offers a Storm Preparedness Loan to qualifying homeowners at competitive rates. 

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Sewer or Water Connection Loans

Make the connection with Cape Cod 5. Communities across the Cape, Islands and Southeastern Massachusetts have initiated projects to transition home wastewater management from septic to municipal sewer systems and switch water sources from well to public. That's why we're offering a Sewer or Water Connection Loan to qualifying homeowners at competitive rates.

Learn more    Apply Now

Overdraft Lines of Credit

Linked to your checking account, funds automatically transfer in $50.00 increments to cover the overdrawn amount (as long as the required funds are available within the predetermined credit limit). As a loan, finance charges on the outstanding loan balance will apply until the amount is repaid. A loan application and credit approval are required for a line of credit. 

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Unsecured Personal Loans

Unsecured personal loans can be used to consolidate debt, fund a major purchase or for other unexpected one-time expenses. No collateral needed. Funds are not intended to be used for business, educational, other recurring expenses (i.e. taxes, insurance).

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Automobile Loans

We can help you drive away in a new or used automobile (2019 or newer model years) with our competitive rates and terms.

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Boat Loans

Similar to an automobile loan, we can help you set sail when purchasing a new or used boat with our competitive rates and flexible terms. Loans are available for boat lengths of 26 feet or smaller.

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Collateral Loans

A short term collateral loan can provide cash for many purposes and is secured by your savings account or certificate of deposit (IRA accounts are ineligible).

Apply Now

Automatic Transfer Feature

Make loan payments automatically from your Cape Cod 5 checking or Savings account — and you may even qualify for a discount on your rate!


View current rates

Visit one of our Banking Centers

Need Help?

Call 888-225-4636

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