Consumer Rates

Rates are effective as of December 26, 2018

Apply Now

Print Rates

Annual Percentage Rate (APR) is based on credit score and may vary. Rates shown reflect credit score of 720 or greater with automatic payment from a Southern Mass Credit Union checking account. $5 membership account required. Subject to Credit Approval. Rates may change at any time without notice.

*2.875% APR is added to the Annual Percentage Yield (APY) of a Share Account or Certificate of Deposit. Example: 2.875% APR added to Deposit APY of 1.25% = 4.125% APR.
** Applicable to retail consumer auto loans only. For business auto loans, please call for rates and terms.

*** Low fixed introductory rate available for the first 12 months adjusting to a variable rate Prime Plus margin. The Prime Rate is 5.25% as of 11/13/2018. Minimum fixed 6.99% APR. Maximum 18.99% APR.