NBSB Consumer Loan Rates

Auto & Motorcycle | Recreational Vehicles |Boat Loans| Unsecured Personal | Savings Secured | MassSave®Heat

All Annual Percentage Rates (APR) listed below are accurate as of June 30, 2022.

 

Auto & Motorcycle Loans

Type             Model Year             Term                         Annual Percentage Rate
(APR) 		Monthly Payment
per $1,000 borrowed
New/Used2019 - 2022up to 36 months3.24%***$29.20
New/Used2019 - 2022up to 48 months3.49%***$22.36
New/Used2019 - 2022up to 60 months3.74%***$18.31
New/Used*2019 - 2022up to 72 months4.24%***$15.76
Used**2016 - 201836 months4.24%***$29.64
Used**2016 - 201848 months4.49%***$22.81
Used**2016 - 201860 months4.74%***$18.76
Used**2013 - 201548 months5.49%***$23.26
Used**2008 - 201236 months5.99%***$30.43

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Financing for New vehicles up to 100% of purchase price plus sales tax.

Financing or refinancing for Used vehicles model year 2019-2022 100% of purchase price plus sales tax or NADA Clean Retail Value the lessor of the two.

*New vehicle loans with a term of 72 months minimum loan amount is $15,000.00 up to 100% of purchase price plus sales tax.

 **Financing or refinancing for Used vehicles model year 2018 or older up of 90% of purchase price plus sales tax or NADA Clean Retail Value the lessor of the two.

***Actual APR may differ based on your credit history, credit score and payment method. Stated APR is based on a credit score of 700 or higher. Actual rate may be higher. Other rates, terms, and conditions may apply. The above rates reflect a .50% discount with direct deposit and automatic payments from a North Brookfield Savings Bank Checking account.

 

Recreational Vehicle Loans

Type             Term                         Annual Percentage Rate
(APR)		Monthly Payment
per $1,000 borrowed
New Large RV/Motor Home: model year 2019-2022up to 60 months6.24%*$19.45
New Large RV/Motor Home: model year 2019-2022greater than 60-120 months7.24%*$11.74
Used Large RV/Motor Home: model year 2012-2018up to 60 months6.99%*$19.81
Used Large RV/Motor Home: model year 2012-2018greater than 60-120 months8.99%*$12.67
*New RV No Title- UCC lienUp to 60 months6.74%*$19.69
*Used RV No Title- UCC lienUp to 60 months7.99%*$20.28

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*Actual APR may differ based on your credit history, credit score and payment method. Stated APR is based on a credit score of 700 or higher. Actual rate may be higher. Other rates, terms, and conditions may apply. The above rates reflect a 1.0% discount on motorhome/travel trailer, ATV and Snowmobiles with direct deposit and automatic payments from a North Brookfield Savings Bank Checking or Savings account.
Financing for new vehicles up to 100% of purchase price. Financing for used vehicles up to the lesser of 90% of retail of NADA or 90% of the purchase price. Maximum age of used vehicle is 10 years.

The above loans must have full fire, theft and collision insurance coverage.

 

Boat Loans

Type             Term                         Annual Percentage Rate
(APR)		Monthly Payment
per $1,000 borrowed
New 2019-2022up to 60 months6.49%*$19.57
New 2019-2022up to 120 months8.24%*$12.27
Used 2012-201860 months7.74%*$20.16

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*Actual APR may differ based on your credit history, credit score and payment method. Stated APR is based on a credit score of 700 or higher. Actual rate may be higher. Other rates, terms, and conditions may apply. Maximum age of used vehicle is 10 years. All of the above loans must have full fire, theft and collision insurance. Financing for new vehicles 90% of purchase price. Financing or refinancing of used vehicles 80% of purchase price or average retail price the lower of the 2. *Includes Snow Mobile ATV Ski Doo

The above loans must have full fire, theft and collision insurance coverage.

 

Unsecured Personal Loans

Type             Maximum Loan Amount Term                         Annual Percentage Rate
(APR)		Monthly Payment
per $1,000 borrowed
Unsecured Personal Loan$5,00036 months11.99%*$33.23

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*Actual APR may differ based on your credit history, credit score and payment method. Stated APR is based on a credit score of 700 or higher. Actual rate may be higher. Other rates, terms, and conditions may apply. The above rates reflect a 1.0% discount with direct deposit and automatic payments from a North Brookfield Savings Bank Checking or Savings account.

 

Savings Secured Loans

Type Maximum Loan AmountTerm                Annual Percentage Rate
(APR)		Monthly Payment
per $1,000 borrowed
Savings Secured Loan
up to 95% of the value
of the secured account		60 monthsVariable Rate; 4% above
rate of secured account		Up to 95% of the value of the secured account.
Credit Builder Loan
Savings Secured		$2,50060 months7.00% $19.81

NBSB’s Credit Builder Loan is designed to help you to build or rebuild your credit.1 Get fast approval with no credit report or income verification. You will also keep your savings, plus accrue interest on your balance.2 Loan amounts from $300 and $2,500.1 Learn more.

*Payment amount shown assumes an APR of 7.00%. Your monthly payment will vary based on the loan amount and term. Actual payment amounts may be higher. Rate and payment may increase after consummation.

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Mass Save® HEAT Loan

TypeTerm               Annual Percentage Rate
(APR)		Monthly Payment
per $1,000 borrowed
Mass Save HEAT Loan
for loans in excess of $2,000		Maximum term
84 months		0%* APR
Home Energy
Improvement Loan		Your monthly payment will vary based on the loan amount and term.
Mass Save HEAT Loan
for loans $2,000 and under		Maximum term
24 months		0%* APR
Home Energy
Improvement Loan		Your monthly payment will vary based on the loan amount and term.

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*Rates are subject to change. Minimum loan amount of $1,000. Maximum loan amount of $15,000.00. Maximum term 84 months for loans in excess of $2,000. Maximum term 24 months for loans $2,000 and under. Available for 1-4 family primary residences or second homes. All loan applications are subject to credit underwriting and approval. Other restrictions and conditions may apply. Bank may withdraw offer at any time. This product is offered in partnership with Mass Save®. Eligibility is based on completing a Home Energy Assessment and pre-approval through Mass Save HEAT Loan Program. Visit MassSave.com/HEATLoan or call 1-866-527-SAVE (7283) for details and to learn more about the program.

**Payment amount shown assumes the maximum loan term. Your monthly payment will vary based on the loan amount and term. Actual payment amounts may be higher.

 

 

 

All rates are subject to change without notice. All loans are subject to credit approval.