Consumer Loan Rates
Auto & Motorcycle | Recreational Vehicles | Unsecured Personal | Savings Secured | MassSave®Heat
All Annual Percentage Rates (APR) listed below are accurate as of March 17, 2021
Auto & Motorcycle Loans
| Type | Model Year | Term | Annual Percentage Rate (APR) | Monthly Payment per $1,000 borrowed |
|---|---|---|---|---|
| New/Used** | 2018 - 2021 | 1.99%* | $16.25 | |
| New/Used** | 2018 - 2021 | 3.49%* | $15.42 | |
| Used | 2015 - 2017 | 3.74%* | $18.31 | |
| Used | 2012 - 2014 | 4.24%* | $22.69 | |
| Used | 2011 - Older | 8.99%* | $31.80 |
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*The above rates reflect a .50% discount with direct deposit and automatic payments from a North Brookfield Savings Bank Checking account.
Financing for New vehicles up to 125% of purchase price.
Financing or refinancing for Used vehicles model year 2018-2021, 125% of purchase price or NADA Clean Retail Value., the lesser of the two.
Financing or refinancing for Used vehicles model year 2017 or older up to the lessor of 90% of purchase price plus sales tax or NADA Clean Retail Value.
**New vehicle loans with a term of 72 months minimum loan amount is $15,000.00 up to 125% of purchase price.
Recreational Vehicle Loans
| Type | Term | Annual Percentage Rate (APR) | Monthly Payment per $1,000 borrowed |
|---|---|---|---|
| New Large RV/Motor Home | 4.25%* | $18.53 | |
| New Large RV/Motor Home | 7.00%* | $11.61 | |
| Used RV/Motor Home | 5.75%* | $19.22 | |
| Used RV/Motor Home | 8.50%* | $12.40 | |
| New RV No Title- UCC lien | 6.25%* | $19.45 | |
| Used RV No Title- UCC lien | 7.75%* | $20.16 |
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*The above rates reflect a 1.0% discount on motorhome/travel trailer, Boat, 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.
Unsecured Personal Loans
| Type | Maximum Loan Amount | Term | Annual Percentage Rate (APR) | Monthly Payment per $1,000 borrowed |
|---|---|---|---|---|
| $5,000 | 11.99%* | $33.21 |
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*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 | Variable Rate; 4% above rate of secured account | Minimum loan amount $300.00 plus total interest due for life of loan. |
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 4.049%. 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
| Type | Term | Annual Percentage Rate (APR) | Monthly Payment per $1,000 borrowed |
|---|---|---|---|
| Mass Save HEAT Loan | 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 | 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 $500. 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.
