Consumer Loan Rates

Today’s Rates

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  • Rates for Payment by Auto Deduct from Mascoma Savings Bank Account**

  • Rates for Payment by Coupon


    • Personal Passenger Vehicles
      (Car, Van, Truck)
      Rate
      Points
      APR
      Payment $1,000 Financed
      Max Term
      Margin
      Min. Rates/Max. Rates
      Payment $1,000
      Tier
      APY
      Minimum Balance to Obtain APY

      Minimum Balance to Open
      Interest Rate

      • new

        Auto/Truck2016-2017

        3.99%

        4.551%

        $18.41

        60

        $18.41

      • used

        Auto/Truck2015-2016

        4.690%

        5.254%

        $18.73

        60

        $18.73

      • used

        Auto/Truck2013-2014

        5.390%

        5.960%

        $19.05

        60

        $19.05

      • used

        Auto/Truck2011-2012

        5.990%

        6.693%

        $23.48

        48

        $23.48

      • used

        Auto/Truck2010 and older

        9.990%

        10.935%

        $32.26

        36

        $32.26

    • Other Vehicles
      (Motorcycles, ATVs, Snowmobiles, Campers, Boats)
      Rate
      Points
      APR
      Payment $1,000 Financed
      Max Term
      Margin
      Min. Rates/Max. Rates
      Payment $1,000
      Tier
      APY
      Minimum Balance to Obtain APY

      Minimum Balance to Open
      Interest Rate

      • new

        2016-2017

        6.290%

        6.862%

        $19.47

        60

        $19.47

      • used

        2015-2016

        6.590%

        7.163%

        $19.61

        60

        $19.61

      • used

        2013-2014

        7.290%

        8.002%

        $24.08

        48

        $24.08

      • used

        2011-2012

        8.990%

        9.929%

        $31.80

        36

        $31.80

      • used

        2010 & Older

        9.990%

        10.935%

        $32.59

        36

        $32.59

      VSI (Vendor Single Interest Insurance) is required on all loan types listed above, when the loan amount is greater than $2,000. The VSI fee is $50.00.

    • Other Loans
      Rate
      Points
      APR
      Payment $1,000 Financed
      Max Term
      Margin
      Min. Rates/Max. Rates
      Payment $1,000
      Tier
      APY
      Minimum Balance to Obtain APY

      Minimum Balance to Open
      Interest Rate

      • Overdraft Protection

        18.000%

        18.000%

        $50.00

        $50.00

      • Unsecured

        9.990%

        10.935%

        $32.59

        36

        $32.59

      • Secured by MSB Deposits

        4.190%

        4.507%

        $18.50

        60

        $18.50

    • CAMPERS/MOTORHOMES/BOATS - OVER $10,000.00
      Rate
      Points
      APR
      Payment $1,000 Financed
      Max Term
      Margin
      Min. Rates/Max. Rates
      Payment $1,000
      Tier
      APY
      Minimum Balance to Obtain APY

      Minimum Balance to Open
      Interest Rate

      • $10,000 - $24,9992011-2017

        5.990%

        6.293%

        $11.10

        120

        $11.10

      • $25,000 - $49,9992011-2017

        5.690%

        5.903%

        $8.27

        180

        $8.27

      • 50,000 +2011-2017

        5.190%

        5.400%

        $8.00

        180

        $8.00

      The VSI (Vendor Single Interest Insurance) is required on all loan types. The VSI fee is $50.00

    • Rate
      Points
      APR
      Payment $1,000 Financed
      Max Term
      Margin
      Min. Rates/Max. Rates
      Payment $1,000
      Tier
      APY
      Minimum Balance to Obtain APY

      Minimum Balance to Open
      Interest Rate

      • **Your rate will increase by 1% upon cancellation of auto deduct from a Mascoma Savings Bank account
        • Transfer fee for Overdraft Protection - $3.00 for Relationship Gold checking, $5.00 for all other types of checking accounts.
        • Overdraft Protection annual fee is $25
        • Approved term limit exceptions will increase interest rate by 1.000%
        • There will be no term increase longer than 6 months or over the 72 month term
        • Classic collector programs available for vehicles 15 years and older. Please contact a Consumer Loan Underwriter.
        • No application fee, No cost to prequalify
        • Processing fees: $39 if secured by MSB deposit, $69 for all others. Fee may be financed. Processing fee waived for Overdraft Protection
        • APR=Annual Percentage Rate, Based on a $5,000 loan
        • All rates and terms are subject to Mascoma Savings Bank Underwriting Guidelines and subject to change without notice
    • HOME EQUITY PRODUCTS - Index - Wall Street Prime 4.25%
      Interest Rate
      Points
      APR
      Payment $1,000 Financed
      Max Term
      Margin
      Min. Rates/Max. Rates
      Payment $1,000
      Tier
      APY
      Minimum Balance to Obtain APY

      Minimum Balance to Open
      Interest Rate

      • Home Equity Line of Credit - adjusted quarterly *Relationship Gold Checking

        4.000%

        0

        4.000%

        $8.40

        120

        -0.250%

        3.990%/ 18.000%

        $8.40

      • Home Equity Line of Credit - adjusted quarterly

        4.750%

        0

        4.750%

        $9.03

        120

        0.500%

        3.990%/ 18.000%

        $9.03

      • Home Equity Loan - Fixed Rate

        4.500%

        0

        4.505%

        $10.36

        120

        N/A

        N/A

        $10.36

      • Solar Home Equity Loan - Fixed Rate

        4.250%

        0

        4.255%

        $10.24

        120

        N/A

        N/A

        $10.24

      Variable rates may be increased after consummation Bank will pay up to $300.00 in closing costs. No annual fee.  Rate caps are lifetime caps.

      * The RGC rate is for Relationship Gold Checking Customers

    • Personal Passenger Vehicles
      (Car, Van, Truck)
      Rate
      Points
      APR
      Payment $1,000 Financed
      Max Term
      Margin
      Min. Rates/Max. Rates
      Payment $1,000
      Tier
      APY
      Minimum Balance to Obtain APY

      Minimum Balance to Open
      Interest Rate

      • new

        Auto/Truck2016-2017

        4.990%

        5.554%

        $18.97

        60

        $18.97

      • used

        Auto/Truck2015-2016

        5.490%

        6.058%

        $19.10

        60

        $19.10

      • used

        Auto/Truck2013-2014

        6.190%

        6.764%

        $19.42

        60

        $19.42

      • used

        Auto/Truck2011-2012

        6.790%

        7.498%

        $23.85

        48

        $23.85

      • used

        Auto/Truck2010 & Older

        11.190%

        12.142%

        $32.83

        36

        $32.83

    • Other Vehicles
      (Motorcycles, ATVs, Snowmobiles, Campers, Boats)
      Rate
      Points
      APR
      Payment $1,000 Financed
      Max Term
      Margin
      Min. Rates/Max. Rates
      Payment $1,000
      Tier
      APY
      Minimum Balance to Obtain APY

      Minimum Balance to Open
      Interest Rate

      • new

        2016-2017

        6.990%

        7.567%

        $19.80

        60

        $19.80

      • used

        2015-2016

        7.290%

        7.870%

        $19.94

        60

        $19.94

      • used

        2013-2014

        7.990%

        8.707%

        $24.41

        48

        $24.41

      • used

        2011-2012

        9.790%

        10.732%

        $32.17

        36

        $32.17

      • used

        2010 & Older

        11.190%

        12.142%

        $32.83

        36

        $32.83

      VSI (Vendor Single Interest Insurance) is required on all loan types listed above, when the loan amount is greater than $2,000. The VSI fee is $50.00.

    • OTHER LOANS
      Rate
      Points
      APR
      Payment $1,000 Financed
      Max Term
      Margin
      Min. Rates/Max. Rates
      Payment $1,000
      Tier
      APY
      Minimum Balance to Obtain APY

      Minimum Balance to Open
      Interest Rate

      • Unsecured

        11.190%

        12.142%

        $32.83

        36

        $32.83

    • CAMPERS/MOTORHOMES/BOATS - OVER $10,000.00
      Rate
      Points
      APR
      Payment $1,000 Financed
      Max Term
      Margin
      Min. Rates/Max. Rates
      Payment $1,000
      Tier
      APY
      Minimum Balance to Obtain APY

      Minimum Balance to Open
      Interest Rate

      • $10,000 - $24,9992011-2017

        5.990%

        6.293%

        $11.10

        120

        $11.10

      • $25,000 - $49,9992011-2017

        5.690%

        5.903%

        $8.27

        180

        $8.27

      • $50,000+2011-2017

        5.190%

        5.400%

        $8.00

        180

        $8.00

QUESTIONS? PLEASE CONTACT ANY OFFICE OR CALL 1-603-448-3650 OR 1-888-627-2662