Consumer & Specialty Loan Rates

Table data for Unsecured Personal Loans
Effective Date: May 1, 2025
Personal Loans	APR	Monthly Payment per $1,000	Term	Maximum Loan
Tier 1	9.49%	$32.03	Up to 36 Months	$25,000.00

Tier 2	10.49%	$25.60	37-48 Months	$25,000.00

Tier 3	11.49%	$21.99	49-60 Months	$25,000.00

APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, your rate may differ. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Credit and collateral are subject to approval. Membership eligibility is required. Minimum loan amount for Tier 3 is $15,000.

Table data for Mass Save® Heat Loans & Energy Efficiency Loans
Effective Date: May 1, 2025
Description	APR¹	Monthly Payment per $1,000	Term	Maximum Loan
Micro Heat Loan	0.00%	$11.90	Up to 24 Months	$2,000.00

Standard Heat Loan	0.00%	$11.90	Up to 84 Months	$15,000.00

Enhanced Heat Loan	0.00%	$11.90	Up to 84 Months	$25,000.00

Non-Owner Occupied Standard Heat Loan	0.00%	$11.90	Up to 84 Months	$25,000.00

¹APR = Annual Percentage Rate. As a participating lender, we offer these 0% interest loans on qualifying improvements. Financing is subject to credit approval and membership. Estimated cost per $1,000 calculated on maximum term available, 0% APR for 84 monthly payments of $11.91 per $1,000 borrowed. No-interest loans are available for home energy efficiency improvements through the Mass Save HEAT Loan Program. Loan terms are based on finance amount. Members must meet program eligibility requirements to participate. Eligibility for the HEAT Loan is based on findings from the Home Energy Assessment and require pre-approval. Additional terms and conditions apply. Visit MassSave.com or call 1-866-527-SAVE (7283) for details and to learn more about the program.↵

Table data for Solar Loan Rates
Effective Date: May 1, 2025
Description	APR¹	Monthly Payment per $1,000	Term	Maximum Loan
	10.49%	$21.49	Up to 60 Months	$35,000.00

¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, your rate may differ. Rate is subject to change after consummation. Rates listed are for this product only and are subject to change at any time. Credit and collateral are subject to approval. Membership eligibility is required.↵

Overdraft Protection – 18.00% Fixed Annual Percentage Rate (APR)

Share Secured Loans – 3.00% over Primary Share Account Rate or Certificate of Deposit Rate. (Collateral pledged must be 110% of loan amount.)

Rates subject to change at any time. Your Annual Percentage Rate (APR), Term and Approved Loan Amount may vary based on your credit worthiness. Advertised APR is the lowest rate available.