Consumer Rates

Rates are effective as of June 30, 2020

Apply Now

Print Rates

Annual Percentage Rate (APR) is based on credit score and may vary. Rates shown reflect a credit score of 700 or greater with automatic payment from a Southern Mass Credit Union checking account. $5 Regular Savings required. Subject to Credit Approval. Rates may change at any time without notice.
*2.750% APR is added to the Annual Percentage Yield (APY) of a Savings Account or Share Certificate. Example: 2.750% APR added to Deposit APY of 1.25% = 4.000% 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 3.25% as of 03/16/2020. Minimum fixed 6.99% APR. Maximum 18.00% APR.