Rates

Loan Rates  |  Deposit Rates  |  Fee Schedule

Loan Rates

Current Rates - Effective  April 17, 2014

Personal Loans

	Annual Percentage Rate	Term (in Months)	Payment Per $1,000
Credit Card Rewrite	6.99%	48	$23.95
Holiday	7.49%	18	$58.92
Unsecured	8.99%	48	$24.89

 

 

 

 

 

 

 

New and Used Auto, Motorcycle and Recreational Vehicle Loans

	Annual Percentage Rate	Term (in Months)	Payment Per $1,000
Up to 72 Months*	Rates as low as 1.99%**	48	$21.70

 

 

 

 

*Maximum term for new auto and motorcycle loans - 72 months.

  **APR includes a .25% discount for Auto Loan Payments or Direct Deposit.

 APR without Auto Loan Payments or Direct Deposit is 2.24%. 

 

First Mortgages

		Interest Rate	Annual Percentage Rate	Term (in Months)	Payment Per $1000
10 Year Fixed Rate		3.000%	3.09%	120	$9.66
15 Year Fixed Rate		3.250%	3.31%	180	$7.03
20 Year Fixed Rate		4.125%	4.17%	240	$6.13
30 Year Fixed Rate		4.375%	4.41%	360	$4.99

                             

*This payment does not include taxes and insurance.  Your payment may be greater if the loan is secured by a first lien.

  Other rates and terms available.  Property insurance is required.  Qualification restrictions apply.

 

Home Equity Lines of Credit

Contact Us for our competitive rates today.

 

 

 

Fixed Rate Home Equity Loans

Up to 20 Years*	Annual Percentage Rate	Term (in months)	Payment Per $1,000
Rates as low as	3.75%**	Up to 60 months	$18.30
*Shorter Terms are Available	** Up to 60 Months

 

 

 

 

Rates are based on annual percentage rate.  Rates and Terms are subject to change without notice

Individual rates based on credit history.  Qualification restrictions apply.

Your payment may be greater if the loan is secured by a first lien.

Payments do not include taxes & insurance.  Property insurance is required. 

Please contact Mass Bay Credit Union for your individual rate quote.