The Latest Rates for Personal, Secured, Auto and Boat Loans
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.
1Annual Percentage Rate (APR) as of 3/1/25 may be as low as 6.25% 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 age must be 10 (ten) years or less.
2Annual Percentage Rate (APR) as of 3/1/25 may be as low as 6.50% 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. The vehicle model must be new (i.e., current or prior model year).
3Principal and interest payments 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.
- Unsecured Personal Loan - Financing for your various needs, from an education to a 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.
1Annual Percentage Rate (APR) as of 3/1/25 may be as low as 10.75% 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 3/1/25 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.
4Annual Percentage Rate (APR) as of 3/1/25 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.
Credit Building – 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.
1 Annual Percentage Rate (APR) as of 3/1/25 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.
2 Principal and interest payment 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.
1Annual Percentage Rate (APR) as of 3/1/25 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.
2Annual Percentage Rate (APR) as of 3/1/25 may be as low as 9.50% 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.
3Principal and interest payment are based on lowest rate and maximum term.
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.
Learn MoreMortgage Rates
Speak to one of our experienced loan officers about interest rates and financing options.
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