Home Equity Line of Credit

APR* Term Current Rate Minimum Line
WSJ Prime + 0% 240 mos 4.25% (variable) $10,000

*APR= Annual percentage rate. Adjustable rate based on WSJ Prime plus 0%, currently at 4.25%. Minimum line amount is $10,000, maximum line is $200,000. Equity Lines of Credit have a floor rate of 3.75%, maximum rate of 18%. HELOC’s are variable rates subject to increase after consummation, adjusting monthly to the Wall Street Journal (WSJ) Prime Rate plus 0%. Maximum LTV is 80%. An early termination fee of $500 applies when a home equity line of credit closes within 3 years or property is sold within 1st year of account opening.

Home Equity Line of Credit Jumbo

APR* Term Current Rate Minimum Line
WSJ Prime – .50% 240 mos 3.75% (variable) Greater than $200,000

*APR= Annual percentage rate. Adjustable rate based on WSJ Prime minus .50%, currently at 3.75%. Minimum line amount is $200,001, maximum line is $1,500,000. $25,000 required draw at closing. Floor rate of 3.25%, maximum rate of 18% applies. HELOC’s are variable rates subject to increase after consummation, adjusting monthly to the Wall Street Journal (WSJ) Prime Rate minus .50%. Maximum Loan to Value is 80%. An early termination fee of $500 applies when a home equity line of credit closes within 3 years or property is sold within 1st year of account opening.

Equity Loan $10,000 minimum*

Rate APR* Points Term Monthly Cost per $1,000
4.000% 4.198% 0 60 mos $18.42
4.500% 4.628% 0 96 mos $12.42
5.000% 5.105% 0 120 mos $10.61
5.250% 5.324% 0 180 mos $8.04
5.500% 5.559% 0 240 mos $6.88

*Minimum loan amount is $10,000.
*APR = Annual Percentage Rate. APR based on loan amount of $50,000.00. Not available for home currently for sale or intended to be sold within 6 months of closing. Rates reflect a .25% discount for automatic payments out of a Main Street Bank account. Option is available not to choose automatic payments; which will increase rate by .25%.

Auto Loans – Model Years 2010-2017

Model Year APR* Maximum Term/Maximum Loan to Value Monthly Cost per $1,000
2014-2017 3.25% 72 months / 100% $15.31
2013 3.75% 48 months / 100% $22.47
2012 5.25% 48 months / 100% $23.14
2011 6.25% 36 months / 100% $30.54
2010 7.25% 36 months / 100% $30.99

*APR = annual percentage rate. Rates reflect .50% discount for Automatic Payment from an Main Street Bank checking account. The actual APR available to you will be based on your credit history and payment method. Loan to Value (LTV) may vary based on credit score. Other rates, terms, and conditions may apply. All auto loans are subject to a $25 Vendors Single Interest insurance fee. The VSI fee insures the vehicle against physical damage in the event that insurance coverage is cancelled or lapses. VSI fee is added to the amount of the loan.

Overdraft Personal Line of Credit

Line Amount Rate/APR* Term
$750 WSJ Prime + 8.50% (variable) Custom
$750.01 – $2,500 WSJ Prime + 8.50% (variable) Custom
$2,500.01 – $5,000 WSJ Prime + 8.50% (variable) Custom

*APR = annual percentage rate. Wall Street Journal Prime + 8.50%. WSJ Prime currently 4.25%. Overdraft Lines of Credit have a minimum rate of 8.50%, maximum rate of 18%, and are variable rates subject to increase after consummation. Minimum payment of 3% of month end balance or $25.00, whichever is greater.

Credit Builder/CD Loans

Loan Amount APR* Maximum Loan to Value**
$500.00 and Above 3% above instrument 95%

*APR = annual percentage rate. Minimum loan amount = $500. 00

**Maximum loan to value = 95% of the Certificate of Deposit account. Rate of collateral loans is subject to change based on a change in the interest rate and maturity of Certificate of Deposit account. Custom terms are available. Please contact a Personal Banker at 508-481-8300.

Unsecured Loans

Loan Amount APR Term Monthly Cost per $1,000
$2,500 to $10,000 13.750% 36 mos $34.05

Mass Save HEAT Loans

Loan Amount APR* Term Monthly Cost per $1,000**
$2,001 to $15,000 0.00% 36 – 84 mos $11.90
$15,001 to $50,000 0.00% 36 – 84 mos $11.90

*APR = annual percentage rate. Owner occupied. See Personal Banker for more options. If over $15,000, becomes a secured second lien on the property.

**Monthly cost per thousand based upon an 84 month term.

Effective date: June 16, 2017
Terms and Conditions (applicable to real estate loans and lines of credit) Loan to Value determined using lower of real estate tax bill value or Fair Market Value (FMV). Based upon collateral assessment, a full appraisal at borrower cost may be required to proceed. Property insurance required. Not available for homes currently for sale or intended to be sold within 6 months of closing. Loan to values decreased for Condo’s and if existing first lien is greater than $424,100. Fees for opening the account range from $0 to $600. Call for details. ALL RATES AND TERMS ARE SUBJECT TO CHANGE WITHOUT NOTICE ADDITIONAL TERMS, CONDITIONS, AND FEES MAY APPLY. PLEASE INQUIRE.