NBSB Consumer Loan Rates
Auto & Motorcycle | Recreational Vehicles |Boat Loans| Unsecured Personal | Savings Secured
All Annual Percentage Rates (APR) listed below are accurate as of March 24th, 2022.
Auto & Motorcycle Loans
| Type | Model Year | Term | Annual Percentage Rate (APR) | Monthly Payment per $1,000 borrowed |
|---|---|---|---|---|
| New/Used 1 | 2020 - 2023 | 5.99%*** | $30.43 | |
| New/Used 1 | 2020 - 2023 | 5.99%*** | $23.49 | |
| New/Used 1 | 2020 - 2023 | 5.99%*** | $19.34 | |
| New/Used* | 2020 - 2023 | 6.99%*** | $17.06 | |
| Used** | 2017 - 2019 | 6.99%*** | $30.89 | |
| Used** | 2017 - 2019 | 7.24%*** | $24.07 | |
| Used** | 2017 - 2019 | 7.49%*** | $20.05 | |
| Used** | 2014 - 2016 | 8.24%*** | $24.54 | |
| Used** | 2009 - 2013 | 8.74%*** | $31.70 | |
| Classic Auto Special**** | 2002 or older | 7.24%*** | $24.07 |
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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 2020-2023, up to 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 2019 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.
**** Classic Car auto loan up to a 48-month term. The Above rate reflects a .50% discount and is only valid if payments are automatically deducted from a NBSB checking account which has an established direct deposit. For qualified applicants, financing/refinancing is available for used vehicles model years 2002 or older up to the lesser of 100% of the purchase price or 100% of the NADA Classic Average Retail Value. Vehicles must have fire, theft and collision insurance coverage. Rates and terms are subject to change at any time without notice. Bank may withdraw offer at any time. Other restrictions and conditions may apply. All loan applications are subject to credit approval.
Recreational Vehicle Loans
| Type | Term | Annual Percentage Rate (APR) | Monthly Payment per $1,000 borrowed |
|---|---|---|---|
| New Large RV/Motor Home: model year 2020-2023 | 8.99%* | $20.77 | |
| New Large RV/Motor Home: model year 2020-2023 | 9.99%* | $13.22 | |
| Used Large RV/Motor Home: model year 2013-2019 | 9.74%* | $21.13 | |
| Used Large RV/Motor Home: model year 2013-2019 | 11.74%* | $14.21 | |
| *New RV No Title- UCC lien | 9.49%* | $21.01 | |
| *Used RV No Title- UCC lien | 10.74%* | $21.63 |
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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 2020-2023 | 9.24%* | $20.89 | |
| New 2020-2023 | 10.99%* | $13.78 | |
| Used 2013-2019 | 10.49%* | $21.51 |
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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 |
|---|---|---|---|---|
| $7,500 | 14.74%* | $34.57 |
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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 Amount | Term | Annual Percentage Rate (APR) | Monthly Payment per $1,000 borrowed |
|---|---|---|---|---|
| up to 95% of the value of the secured account | 60 months | Variable Rate; 4% above rate of secured account | Up to 95% of the value of the secured account. | |
Savings Secured | $2,500 | 60 months | 9.75% | Payment differs based on amount borrowed. |
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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All rates are subject to change without notice. All loans are subject to credit approval.
