Rates

Loan Rates  |  Deposit Rates  |  Fee Schedule

Loan Rates

Current Rates - Effective  February 4, 2013

Personal Loans

	Annual Percentage Rate	Term (in Months)	Payment Per $1,000
Credit Card Rewrite	6.99%	48	$24.01
Holiday	7.49%	18	$58.91
Unsecured	8.99%	48	$24.98

 

 

 

 

 

 

 

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 2.24%**	48	$21.80

 

 

 

 

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

  loans - 72 months.

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

 APR without eStatements and Auto Loan Payments or eStatements and Direct Deposit is 2.49%. 

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	$18.31
*Shorter Terms are Available	** Up to 60 Months

 

 

 

 

 

Rates are based on annual percentage rate.

Individual rates based on credit history.

Rates and Terms are subject to change without notice.

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