Loan Rates & Disclosures
Auto Loans2
$60,000 Maximum
Model Year 2022 or Newer
Maximum Mileage 30,000
| Term | Annual Percentage Rates (APR) as low as:1 | Payment per $1,0008 |
|---|---|---|
| Up to 65 months | 5.74% | $17.85 |
| 66 - 75 months | 5.99% | $16.54 |
| 76 - 84 months | 6.99% | $15.97 |
$60,000 Maximum
Model Years 2020 and Newer
Maximum Mileage 100,000
| Term | Annual Percentage Rates (APR) as low as:1 | Payment per $1,0008 |
|---|---|---|
| Up to 65 months | 6.99% | $18.53 |
| 66 - 75 months | 7.49% | $16.74 | $16.74
$60,000 Maximum
Model Years 2017 and Newer
Maximum Mileage 130,000
| Term | Annual Percentage Rates (APR) as low as:1 | Payment per $1,0008 |
|---|---|---|
| Up to 36 months | 7.49% | $51.84 |
HELOC7
| HELOC7 | APR1 Rates | Max | Terms | Payment per $1,0008 |
|---|---|---|---|---|
| HELOC7 | Prime (WSP); Currently 7.50% | LTV 80% up to $350,000 | 10 Year Draw, 15 Year Repayment | Varies |
| Special Introductory Rate | 6.00% First 12 Months; then WSP | LTV up to 80% | ||
| HELOC 1007 | Prime + 1.50%; Currently 9.00% | LTV 80.01-100% up to $250,000 | 10 Year Draw, 15 Year Repayment | Varies |
Motorcycle Loans
$60,000 Maximum
Model Years 2022 or Newer
Maximum Mileage 30,000
| Term | Annual Percentage Rates (APR) as low as:1 | Payment per $1,0008 |
|---|---|---|
| Up to 65 months | 6.74% | $18.74 |
| 66 - 75 months | 6.99% | $17.32 |
| 76 - 84 months | 7.99% | $15.59 |
$60,000 Maximum
Model Years 2020 and Newer
Maximum Mileage 100,000
| Term | Annual Percentage Rates (APR) as low as:1 | Payment per $1,0008 |
|---|---|---|
| Up to 65 months | 7.99% | $19.00 |
| 66 - 75 months | 8.49% | $17.23 |
$60,000 Maximum
Model Years 2020 and Newer
Maximum Mileage 130,000
| Term | Annual Percentage Rates (APR) as low as:1 | Payment per $1,0008 |
|---|---|---|
| Up to 36 months | 8.49% | $52.61 |
Personal Loans
$25,000 Max
| Term | Annual Percentage Rates (APR) as low as:1 | Payment per $1,0008 |
|---|---|---|
| Up to 36 months | 7.99% | $31.33 |
| Up to 60 months | 8.99% | $20.75 |
Visa® Credit Card4
| Visa® Credit Card4 | APR1 Rates | Max Terms | Payment per $1,0008 |
|---|---|---|---|
| Visa® Credit Card4 Platinum | 9.90% | Varies | |
| Visa® Credit Card4 Gold | 13.90% | Varies | |
| Visa® Platinum Balance Transfer | 4.99% | 12 Months | Varies |
| Visa® Gold Platinum Balance Transfer | 8.99% | 12 Months | Varies |
Credit Builder Loan5
| Loan Type | APR1 Rates & Terms | APR1 Rates & Terms | Details |
|---|---|---|---|
| Credit Builder Loan5 | 5.99% | 60 Months | $5,000.00 Max |
Miscellaneous6
| Miscellaneous6 | Annual Percentage Rates (APR) as low as:1 | Term | Limit |
|---|---|---|---|
| Overdraft Protection | 18.00% | N/A | $500.00 - $3,000.00 Credit Line |
| Mass Save HEAT Loan | 0.00% | 84 Months | $50,000 Max Limit |
Specialty Loans6
| Specialty6 | Annual Percentage Rates (APR) as low as:1 | Term | Payment per $1,0008 |
|---|---|---|---|
| Energy Loan | 6.99% | 12 Months | $5.83 |
| Winter WonderLoan | 6.99% | 12 Months | $5.83 |
Debt Consolidation Loan
| Term | Annual Percentage Rates (APR) as low as:1 | Payment per $1,0008 |
|---|---|---|
| Up to 36 months | 7.99% | $31.33 |
| Up to 60 months | 8.99% | $20.75 |
1APR=Annual Percentage Rate
2Auto and Motorcycle Loans
4Visa Our Platinum Card which requires a FICO score of 680+ and our Gold Card which requires a FICO score 600-679. Our maximum credit lines are $15,000. A Balance Transfer option offers a lower introductory APR for a limited time.
5Credit Builder Loan: is a Shared Secured Loan and has an APR of 3.00% over the shared secured account. The maximum loan amount is $5,000.00.
6Miscellaneous: The Overdraft Protection and Fuel Loan products are lines of credit with variable payments per $1000. The Mass Save HEAT Loan product is interest free to the consumer so the cost per $1,000 is $0.00.
7Home Equity Line of Credit (HELOC): termination fees apply. Borrower to assume all closing costs.
8Payment per $1,000: Repayment amounts will vary depending on the term. This example is estimated for the maximum term.
For all loan products, loan eligibility may vary based on credit score, income, and other factors. Meeting the minimum credit score requirement does not guarantee loan approval.