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Loan Rates

The current prime rate is: 3.25%. Rates effective as of September 7, 2021. Rates subject to change at any time.

Auto Loans @

Product Annual Percentage Rate Max Term
  Rates Start at...  
Autos: New, Used, and Refinancing 1.99% 24 to 66 Months
Autos: New, Used, and Refinancing 2.49% 67 to 72 Months
Autos: New, Used, and Refinancing 3.29% 73 to 84 Months

Payment example: 1.99% APR for 66 months equals $16.01 per $1,000 borrowed.

@ Annual Percentage Rate and maximum loan-to-value based on your credit score, vehicle age, and vehicle mileage. Your actual rate may be higher.

Motorcycle Loans #

Product Annual Percentage Rate Term Limits
Motorcycle
New & Used
7.49% 36 Months 100% Financing
Motorcycle
New & Used
8.24% 48 Months 100% Financing
Motorcycle
New & Used
8.80% Over 48 Months 100% Financing

Payment example: 7.49% APR for 36 months equals $31.20 per $1,000 borrowed.

# Property insurance required.

RV Loans #

Product Annual Percentage Rate Max Term
RV
New & Used
7.49% 36 Months
RV
New & Used
8.24% 48 Months
RV
New & Used
8.80% Over 48 Months

 

Payment example: 7.49% APR for 36 months equals $31.20 per $1,000 borrowed..

# Property insurance required.

Bicycle Loans

Product Annual Percentage Rate Limit Maximum Term
  Rates Starting At...    
Standard Bicycle Loan 3.90% $5,000 36 Months
Quadrini Bicycle Exclusive 0% $5,000 36 Months

Payment example: 3.90% for 36 months equals $29.53 per $1,000 borrowed.

Visa Credit Cards נ

 

Product

Annual Percentage Rate Max Term Limits
Cash Back Visa Signature Credit Card 12.75% - 18.00% Revolving $25,000.00
Product Annual Percentage Rate Max Term Limits
Low Rate Visa Platinum Credit Card 9.75% - 13.75% Revolving $25,000.00

View the Credit Card Application and Solicitation Disclosure.

◊ Variable rates subject to change. Rates are based on an index of Prime Rate plus a margin of 6.50%, 7.50%, 8.50%, or 10.50% based on your credit score. 

† Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.

Fixed Home Equity Loans ¥#

%Product Annual Percentage Rate

Max Term

Limits

  rates starting at...    
Up to 80% Loan-to-Value
Home Equity Loan
2.99%  60 Months $250,000.00
Up to 80% Loan-to-Value
Home Equity Loan
3.24% 120 Months $250,000.00
Up to 80% Loan-to-Value
Home Equity Loan
3.49% 180 Months $250,000.00
Up to 80% Loan-to-Value
Home Equity Loan
3.74% 240 Months $250,000.00
Over 80% to 90% Loan-to-Value
Home Equity Loan
5.24% 60 Months $250,000.00
Over 80% to 90% Loan-to-Value
Home Equity Loan
5.49% 120 Months $250,000.00
Over 80% to 90% Loan-to-Value
Home Equity Loan
5.74% 180 Months $250,000.00

`Max 65% LTV and must be in the 1st lien position

Payment example: 2.99% for 60 months equals $17.97 per $1,000 borrowed.

¥ Annual Percentage Rate is based on a combination of your credit score and loan to value. Your actual rate may be higher.

# Property insurance required.

Home Equity Lines of Credit ¥#*

Product Annual Percentage Rate Max Term Limits
12 Month Special Introductory Rate ^ 1.99% -- --
Up to 80% Loan-to-Value Home Equity Line of Credit 3.50% 10 year draw, 10 year repay  $250,000.00
Over 80% to 90% Loan-to-Value Home Equity Line of Credit 4.25% 10 year draw, 10 year repay  $250,000.00

 

^After 12 months, your interest rate will be variable based on the prime rate. The current prime rate is 3.25%. Introductory 1.99% APR available for first 12 months if loan is approved prior to November 30, 2021. After the introductory period expires, your APR will be based on a combination of your home, income, credit score, credit verification and an 80% LTV. The floor rate is 3.50% APR on a ten-year term, and a LTV of 80% or lower with a credit score of 750 or higher. Higher rates apply for loans up to 90% LTV. Current UMassFive Home Equity Lines of Credit must be increased a minimum of $25,000 to qualify for the promotional rate and term.

¥ Annual Percentage Rate is based on a combination of your credit score and loan to value. Your actual rate may be higher.

# Property insurance required.

* The rate is adjusted monthly according to the Prime Rate as published in the Wall Street Journal on the third Thursday of each month. The maximum Annual Percentage Rate that may be imposed in a variable-rate plan is 18.00%. Closing costs are only charged on loan amounts under $25,000. Costs will range from $450 to $700.

Student Loans Rates - visit here

CES Continuing Education Loans

Annual Percentage Rate Limit Maximum Term
8.50% $22,000 84 Months

Payment example: 8.50% for 84 months equals $348.37 per $1,000 borrowed.

Personal Loans

Product Annual Percentage Rate Max Term Limits
Personal 11.99% 48 Months $15,000.00
Personal Line of Credit 13.50% Revolving $25,000.00
Overdraft Line of Credit 13.50% Revolving $25,000.00
Computer 9.90% 48 Months $15,000.00
Home Improvement 5.75% 36 Months $15,000.00
Home Improvement 6.75% 60 Months $15,000.00
Home Improvement 10.50% 84 Months $15,000.00
Energy & Fuel Conservation 3.90% 24 Months $3,000.00

 

Payment example: 11.99% for 48 months equals $26.33 per $1,000 borrowed.

† Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.

MySolar Loans *<>

Annual Percentage Rate Max Term Limit
Rates Starting At...    
4.49% 60 Months $75,000
4.99% 120 Months $75,000
5.99% 180 Months $75,000

Payment example: 4.49% for 60 months equals $18.64 per $1,000 borrowed.

* The rate is adjusted monthly according to the Prime Rate as published in the Wall Street Journal on the third Thursday of each month.

<> Interest rate fixed for life of the loan.

Credit Building Loans ^

Product Annual Percentage Rate Max Term

Limits

Share Secured View here 120 Months Available Balance in account.
Credit Builder Loan View here 36 Months $1,000.00

Payment example: 3.03% APR for 12 months equals $84.81 per $1,000 borrowed.

^ Interest rate is 3.00% above dividend earned.

Specialty Loans

Product Annual Percentage Rate Max Term Limits
Micro HEAT Loan 0.00% 24 Months $500 - $2,000
Standard HEAT Loan 0.00% 84 Months $2,001 - $15,000
Enhanced HEAT Loan 0.00% 84 Months $15,001 - $25,000
Non - Owner Occupied Standard HEAT Loan 0.00% 84 Months $5,000 - $25,000
Farm Share Loan 0.00% 6 Months $200 - $800

 

Payment example: 0.00% for 6 months equals $116.67 per $700 borrowed

Loan rates are subject to change at any time.