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Consumer Loan Rates

Home Equity SpecialHome Equity Line of Credit | Fixed Rate Home Equity Loan | Auto Loan | Unsecured Personal Loan | Overdraft Protection | Collateral Loan | Homeowner Septic Repair


Rates effective as of 7/17/2019 and offered through 7/23/2019

Auto Loans

TypeAPR*Max TermMax Loan AmountDown PaymentModel Years
New4.750%4 Years+$50,0000%2019 with 500 miles or less
New5.250%5 Years$50,0000%2019 with 500 miles or less
New 5.750%6 Years$50,0000%2019 with 500 miles or less
Used 6.250%4 Years$30,000 or NADA retail Value or Purchase Price, whichever is less0%2018 - 2015
Used 6.500%5 Years$30,000 or NADA retail Value or Purchase Price, whichever is less0%2018 - 2015
*APR= Annual Percentage Rate. .25% discount with automatic payment from a TSB checking or statement savings account.
+A 4-year auto loan at 4.750% with a maximum loan amount of $50,000 would be repayable in 48 monthly payments of $23.37 per $1,000 borrowed.
+A 4-year auto loan at 4.500% with a maximum loan amount of $50,000 would be repayable in 48 monthly payments of $23.26 per $1,000 borrowed.


Rates effective as of 7/17/2019 and offered through 7/23/2019

Unsecured Personal Loan

APR*Max TermMin Loan AmtMax Loan Amt
14.00%4 Years$1,000$5,000
*APR= Annual Percentage Rate


Rates effective as of 7/17/2019 and offered through 7/23/2019

Fixed Rate Home Equity Loan1

APR*Maximum TermMinimum Loan AmtMaximum Loan AmtMaximum Total LTV
6.000%15 Years$10,000$200,000 80%
6.500%20 Years$75,000$200,000 80%
*APR= Annual Percentage Rate.
1 No closing costs for loan amounts of $75,000 or greater. Loan amounts less than $75,000, borrower will be responsible to pay closing cost of $477.35, which includes Attorney Fee, Recording Fee, Flood Certificate Fee and Credit Report Fee. The Bank will pay for the appraisal. Property insurance is required and flood insurance may be required. Property must be a 1-to-4 family owner-occupied home. This loan must be recorded in second position, junior to an existing first mortgage.


Rates effective as of 7/17/2019 and offered through 7/23/2019

Home Equity Line of Credit SPECIAL

APR*Maximum TermMinimum Loan AmtMaximum Loan AmtComments
4.000%120 Years$25,000$300,000Maximum Total LTV: 80%

10 Year draw period

10 year repayment period 2
*APR= Annual Percentage Rate.
1Introductory offer of 4.000% APR for 12 months is subject to change during this period based on the Prime Rate as published in the Wall Street Journal on the last business day of the month minus 1 ½%. After initial 12 month period, APR will be adjusted monthly based on the Prime Rate as published on the last business day of the month minus ½%. $25,000 initial advance is required at closing. Automatic payments from a TSB checking account with direct deposit of payroll income are required for the life of the loan. If automatic payments or direct deposit are terminated or you close the checking account or fail to keep sufficient funds on deposit, the rate will terminate and the APR will be adjusted on the first day of each billing cycle to equal the Prime Rate only. $500 termination fee if closed within the first 24 month period. The current Prime Rate is 5.500% as of June 28, 2019. The maximum APR is 18.00% and the minimum APR is 3.000%. Your minimum payment due will never be lower than $100.00. Property insurance is required and flood insurance may be required. No closing costs, except lender’s title insurance is required if credit limit equals or exceeds $100,000 and Loan Account is secured by a first mortgage. Property must be a 1-to-4 family owner-occupied home. You should consult with a tax adviser about the deductibility of interest paid on your Home Equity Line of Credit.
2The monthly payment during the draw period consists of ½ of 1.000% of the outstanding principal, plus finance charges, you pay finance charges only on the funds that you use; monthly payments of principal and finance charges.


Rates effective as of 7/17/2019 and offered through 7/23/2019

Home Equity Line of Credit

APR*Maximum TermMinimum Loan AmtMaximum Loan AmtComments
5.000%120 Years$10,000$300,000Maximum Total LTV: 80%

10 Year draw period

10 year repayment period2
*APR= Annual Percentage Rate.
1 Your rate will adjust monthly based on the Prime Rate as published in the Wall Street Journal on the last business day of the month minus ½%. The current Prime Rate is 5.500% as of June 28, 2019. The maximum APR is 18.000% and the minimum APR is 3.000%. Your minimum payment due will never be lower than $100.00. Property insurance is required and flood insurance may be required. The borrower will be responsible for closing costs of $477.35, which includes Attorney Fee, Recording Fee, Flood Certificate Fee and Credit Report Fee. The Bank will pay for the appraisal. Property must be a 1-to-4 family owner-occupied home. You should consult with a tax adviser about the deductibility of interest paid on your Home Equity Line of Credit.
2 The monthly payment during the draw period consists of ½ of 1.000% of the outstanding principal, plus finance charges, you pay finance charges only on the funds that you use; monthly payments of principal and finance charges.


Rates effective as of 7/17/2019 and offered through 7/23/2019

Money Reserve/Overdraft Protection

APR*Max TermMin Loan AmtMax Loan AmtComments
18.00%Revolving$500$1,0006$30 min. monthly payment
*APR= Annual Percentage Rate.
6 Maximum combined individual and/or household limit is $2,000.


Rates effective as of 7/17/2019 and offered through 7/23/2019

Savings Collateral Loan

APR*Max TermMin Loan AmtMax Loan AmtComments
9.00%10 Years7$1,00090% of passbook balanceMonthly installments of principal and interest
*APR= Annual Percentage Rate
7 Savings Collateral loan payback schedule is based on $1,000 per year (i.e. $1,000 @ 1 year, $4,000 @ 4 years, $15,000 up to 10 years).


Rates effective as of 7/17/2019 and offered through 7/23/2019

Homeowner Septic Repair Loan

APR*Max TermMin Loan AmtMax Loan AmtComments
0, 3, 5%20 YearsContract plus fees$25,000Based on MassHousing Guidelines
*APR= Annual Percentage Rate