Skip to content

Mass Bay Credit Union will never send you text messages asking you to confirm your account details or reset your password.  These messages are from scammers.  Delete the message and do not click on the link in the text.  Call us if you have questions:  617-269-2700.


10 Year Fixed

Get Started Online or by Phone


Apply Now (617) 269-2700 Check Application Status

10 Year Fixed*  - "10 & Done" Home Loan Rates

Interest Rate  APR*  Term* Payment Per $1,000*



10 Years

(120 months)



*APR = Annual Percentage Rate.  Interest Rate and APR are as of September 7, 2023 and are subject to change without notice.  The APR is calculated based on a loan amount of $100,000 for a term of 10 years or 120 months.  Payments are $10.85 per $1,000 borrowed.  Owner occupied condos and single-family primary residences only.  Payment doesn’t include taxes, insurance, or HOA fees.  The actual payment obligation will be greater.  Maximum loan amount is $300,000.  The maximum LTV is 80% up to $200,000. The maximum LTV is 70% for loans over $200,000 up to $300,000. Loan must be in first lien position.  Other terms and restrictions apply including a 620 minimum credit score.  Proof of adequate property insurance required, and flood insurance may also be required.  Subject to credit approval.  $1499 closing costs apply.  NMLS ID #615913.   Loan is subject to membership eligibility, click here for details. You do not need to be a Member first before applying for a loan.

10 Year Fixed - Features

  • Fast Loan Process

  • Consolidate your 1st and 2nd Mortgage!

  • No Early Payment Penalties

Let's Do the Math!

At Mass Bay Credit Union our teams are trained to make loans to benefit our members unique situations. Not sure if a 10 & Done loan is right for you? Give our experienced lending team a call and let's do the math together!  

Accomplish Your Financial Goals

We are always ready to help you accomplish your financial goals with our lending choices. Mass Bay has an easy application process which can be started online. It's easy to start accomplishing your goal of being free of home-debt in 10 years

Mass Bay Credit Union is your local go-to financial institution for Mortgage and Home Equity choices. Whether it's our Home Equity Line of Credit, or our 10 & Done Home Equity Loan, we are proud to offer our members these great home equity options. 

Skip to Navigation