Mortgage Rates

Home Equity Flex Line of Credit (Interest Only)

6.25 APR¹

WSJ Prime Rate minus .50% for the life of the line.

¹ Newburyport Bank Home Equity Line of Credit Annual Percentage Rate (APR) is 6.25%. The APR is a variable rate based on the Prime Rate as published in the money section of the Wall Street Journal (WSJ), minus .50%. Prime Rate is as of 04/08/2026. The advertised rate is available for lines of credit between $25,000 and $500,000, with a minimum credit score of 680 and a maximum combined loan-to-value ratio of 80% on a 1-4 Family Owner-Occupied primary residence only (excluding manufactured homes). Home equity lines of credit outside of these parameters may be available. Subject property must be located in Massachusetts or New Hampshire. Property insurance is required; flood insurance may be required. An annual fee of $50.00 will be assessed in January of each year. An early termination fee of $500.00 may apply if the loan is closed and paid off within the first 36 months. A returned check fee of $30 may be applied if payment from an outside check does not clear. You may be required to pay certain fees to third parties, such as appraisers, attorneys, credit reporting firms, and government agencies, depending on your loan criteria. An itemized list of fees is available upon request. Consult a tax advisor regarding the deductibility of interest. The APR will never be less than 4% or more than 18%. All loans are subject to the Bank’s credit standards. Rates may be subject to change. Program may be terminated at any time.