Consumer Loan Rates
Mass Save® HEAT Loan
The Mass Save® HEAT Loan Program is a home loan option for energy-efficient improvements to your home. With a Mass Save HEAT Loan, you have the opportunity to apply for a 0% interest rate loan through us.
Auto Loans
Buying a car or truck is a big deal. As this community’s financial guide, we want to help you navigate the financing process and maximize opportunity. Plus, you get a team of local lenders at your side who want the best for you.
New Vehicle
| APR | Maximum term | Monthly payment per $1,000 borrowed | Maximum loan amount |
|---|---|---|---|
| 5.25%1 | 48 Months | $23.264 | $100,000 |
| 5.50%2 | 60 Months | $19.224 | $100,000 |
| 5.75%3 | 72 Months | $16.584 | $100,000 |
1Annual Percentage Rate (APR) as of 04/08/2026 may be as low as 5.25% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based on your credit history, loan amount, and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed auto loan rate reflects a 0.25% reduction in rate for auto-payment from a Newburyport Bank deposit account. Auto loans are only available to Massachusetts, New Hampshire, and Maine residents. Displayed terms are for loans up to 110% loan to value. Vehicle model must be new (i.e., current calendar year or the coming year).
2Annual Percentage Rate (APR) as of 04/08/2026 may be as low as 5.50% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based on your credit history, loan amount, and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed auto loan rate reflects a 0.25% reduction in rate for auto-payment from a Newburyport Bank deposit account. Auto loans are only available to Massachusetts, New Hampshire, and Maine residents. Displayed terms are for loans up to 110% loan to value. Vehicle model must be new (i.e., current calendar year or the coming year).
3Annual Percentage Rate (APR) as of 04/08/2026 may be as low as 5.75% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based on your credit history, loan amount, and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed auto loan rate reflects a 0.25% reduction in rate for auto-payment from a Newburyport Bank deposit account. Auto loans are only available to Massachusetts, New Hampshire, and Maine residents. Displayed terms are for loans up to 110% loan to value. The vehicle model must be new (i.e., current calendar year or the coming year).
4Principal and interest payments are based on lowest rate and maximum term and maximum loan amount.
2Annual Percentage Rate (APR) as of 04/08/2026 may be as low as 5.50% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based on your credit history, loan amount, and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed auto loan rate reflects a 0.25% reduction in rate for auto-payment from a Newburyport Bank deposit account. Auto loans are only available to Massachusetts, New Hampshire, and Maine residents. Displayed terms are for loans up to 110% loan to value. Vehicle model must be new (i.e., current calendar year or the coming year).
3Annual Percentage Rate (APR) as of 04/08/2026 may be as low as 5.75% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based on your credit history, loan amount, and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed auto loan rate reflects a 0.25% reduction in rate for auto-payment from a Newburyport Bank deposit account. Auto loans are only available to Massachusetts, New Hampshire, and Maine residents. Displayed terms are for loans up to 110% loan to value. The vehicle model must be new (i.e., current calendar year or the coming year).
4Principal and interest payments are based on lowest rate and maximum term and maximum loan amount.
Used Vehicle
| APR | Maximum term | Monthly payment per $1,000 borrowed | Maximum loan amount |
|---|---|---|---|
| 5.50%1 | 48 Months | $23.373 | $75,000 |
| 5.75%2 | 60 Months | $19.343 | $75,000 |
1Annual Percentage Rate (APR) as of 04/08/2026 may be as low as 5.50% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based on your credit history, loan amount, and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed auto loan rate reflects a 0.25% reduction in rate for auto-payment from a Newburyport Bank deposit account. Auto loans are only available to Massachusetts, New Hampshire, and Maine residents. Displayed terms are for loans up to 110% loan to value. Vehicle age must be 10 (ten) years or less.
2Annual Percentage Rate (APR) as of 04/08/2026 may be as low as 5.75% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based on your credit history, loan amount, and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed auto loan rate reflects a 0.25% reduction in rate for auto-payment from a Newburyport Bank deposit account. Auto loans are only available to Massachusetts, New Hampshire, and Maine residents. Displayed terms are for loans up to 110% loan to value. Vehicle age must be 10 (ten) years or less.
3Principal and interest payments are based on lowest rate and maximum term and maximum loan amount.
2Annual Percentage Rate (APR) as of 04/08/2026 may be as low as 5.75% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based on your credit history, loan amount, and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed auto loan rate reflects a 0.25% reduction in rate for auto-payment from a Newburyport Bank deposit account. Auto loans are only available to Massachusetts, New Hampshire, and Maine residents. Displayed terms are for loans up to 110% loan to value. Vehicle age must be 10 (ten) years or less.
3Principal and interest payments are based on lowest rate and maximum term and maximum loan amount.
Boat Loan
Buying a boat is a big deal. As this community’s financial guide, we want to help you navigate the financing process and maximize opportunity. Plus, you get a team of local lenders at your side who want the best for you.
| APR | Term | Monthly payment per $1,000 borrowed | Minimum & maximum loan amount |
|---|---|---|---|
| 9.00%1 | Up to 10 Years | $12.682 | $15,000.00-$200,000.00 |
1Annual Percentage Rate (APR) as of 04/08/2026 may be as low as 9.00% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed rate reflects a 0.25% reduction in rate for auto-payment from a Newburyport Bank deposit account.
2Principal and interest payment are based on lowest rate and maximum term.
2Principal and interest payment are based on lowest rate and maximum term.
Personal Loans – Flexible financing for Large Costs
Big moments in life generally mean big costs. From new furniture or a large appliance to consolidating debt, a personal loan designed for your financial situation can be a huge help. Our team will work with you to create the exact solution you need.
| Loan type | APR | Term | Monthly payment per $1,000 borrowed | Minimum & maximum loan amount |
|---|---|---|---|---|
| Unsecured Personal Loan | 11.00%1 | 12-48 Months | $21.753 | $1,000-$20,000 |
| Cash Secured Loan | 3.25%2 | Up to 60 Months | $18.083 | $1,000-$500,000 |
1 Annual Percentage Rate (APR) as of 04/08/2026 may be as low as 11.00% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice. The displayed rate reflects a discount of 0.25% reduction in rate for auto-payment from a Newburyport Bank deposit account.
2Annual Percentage Rate (APR) as of 04/08/2026 may be as low as 3.25% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice.
3Principal and interest payment based on lowest rate and maximum term.
2Annual Percentage Rate (APR) as of 04/08/2026 may be as low as 3.25% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice.
3Principal and interest payment based on lowest rate and maximum term.
Personal Overdraft Line of Credit
Protect your account from a negative balance and any unwanted overdraft fees with a Personal Overdraft Line of Credit.
| APR | Term | Minimum payment | Minimum & maximum credit limit |
|---|---|---|---|
| 16.00%4 | Open – Revolving Line of Credit | $25.00 | $500.00-$2,500.00 |
4Annual Percentage Rate (APR) as of 04/08/2026 may be as low as 16.00% and is subject to change without notice. APRs assume excellent borrower credit history. Your actual APR may differ based upon your credit history, loan amount and term. All loans are subject to credit approval. Terms and conditions are subject to change without notice.
5Personal Overdraft Line of Credit includes a $25.00 annual fee that is assessed in January.
5Personal Overdraft Line of Credit includes a $25.00 annual fee that is assessed in January.
Credit Builder – A Loan to Help Rebuild Your Credit
Credit Builder Loan – The money you borrow is held in a bank account while you make payments. When the loan is paid off, the money is released to you.
| APR | Term | Monthly payment per $1,000 borrowed | Minimum & maximum loan amount |
|---|---|---|---|
| 5.00%1 | Up to 24 Months | $43.872 | $600-$2,500 |
1Annual Percentage Rate (APR) as of 04/08/2026 is 5.00%. To qualify for a loan, the applicant must open a Savings account with Newburyport Bank. Credit builder loan terms are available from 12-24 months. Terms and conditions are subject to change without notice.
2Principal and interest payment based on lowest rate and maximum term.
2Principal and interest payment based on lowest rate and maximum term.