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Consumer Loan Rates

Home Consumer Loan Rates

The Latest Rates for Personal, Secured, Auto and Boat Loans


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.

  • Unsecured Personal Loan - Financing for your various needs from an education to wedding - or even a vacation.
  • Cash Secured Loan - Use your own funds that are sitting in your savings account or in a CD as collateral to borrow money at a lower interest rate.
  • Personal Overdraft Line of Credit - Protects you in the event you don't have enough cash in your account to cover a debit or ATM withdrawal.

Apply Now

Mortgage Rates
Loan TypeAPRTERMMonthly payment per $1,000 borrowedminimum & Maximum loan amountApply
Unsecured Personal Loan 9.00%1Up to 60 Months$20.763$1,000-$25,000Apply Now
Cash Secured Loan

3.25%2

Up to 60 Months$18.083$1,000-$50,000Apply Now

1Annual Percentage Rate (APR) as of 2/1/23 may be as low as 9.00% and is subject to change without notice. APR's 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 2/1/23 may be as low as 3.25% and is subject to change without notice. APR's 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.
 

Mortgage Rates
Loan TypeAPRTERMMinimum Paymentminimum & Maximum Credit LimitApply

Personal Overdraft Line

 of Credit5

 16.00%4Open - Revolving Line of Credit$25.00$500-$2,500Apply Now

4Annual Percentage Rate (APR) as of 2/1/23 may be as low as 16.00% and is subject to change without notice. APR's 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.
 


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.

Mortgage Rates
Loan TypeAPRMaximum TermMonthly payment per $1,000 borrowedMaximum Loan AmountApply
Auto Loan5.25%160 Months$18.993$75,000Apply Now
Auto Loan6.25%272 Months$16.693$75,000Apply Now

1Annual Percentage Rate (APR) as of 2/1/23 may be as low as 5.25% and is subject to change without notice. APR's 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 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 120% loan to value. Vehicle model must be 2013 or newer.  
2Annual Percentage Rate (APR) as of 2/1/23 may be as low as 6.25% and is subject to change without notice. APR's 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 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 120% loan to value. Vehicle model must be 2020 or newer.
3Principal and interest payment are based on lowest rate and maximum term.  
 


Boat Loan Programs

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.

Mortgage Rates
Loan TypeAPRMaximum TermMonthly payment per $1,000 borrowedMinimum & Maximum Loan AmountApply

Boat Loan-Small

(< 25ft & < 5 tons)

7.50%1Up to 10 Years$11.873

$25,000-

$250,000

Apply Now

Boat Loan-Large

(25+ft & 5+ tons)

8.25%2Up to 20 Years$8.523

$50,000-

$500,000

Apply Now

1Annual Percentage Rate (APR) as of 2/1/23 may be as low as 7.50% and is subject to change without notice. APR's 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 0.50% reduction in rate for auto-payment from a Newburyport Bank deposit account. 
2Annual Percentage Rate (APR) as of 2/1/23 may be as low as 8.25% and is subject to change without notice. APR's 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 0.50% reduction in rate for auto-payment from a Newburyport Bank deposit account. 
3Principal and interest payment are based on lowest rate and maximum term. 


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.

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Online Services

Financial freedom isn't just about having enough money, but being in control. Online and mobile banking provides 24/7 access to your accounts and the tools to help you manage your money on your terms. Bank anytime.

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Mortgage Rates

Speak to one of our experienced loan officers about interest rates and financing options.

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