Consumer Rates

Rates are effective as of December 26, 2018

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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.