CONSUMER LOANS
Rates are current as of September 17, 2026, and subject to change without notice.
| Product | APR *as low as | Monthly Payment per $1000 | Term |
|---|---|---|---|
| Auto (2025-2026) 1 | 5.700% | $19.19 | 60 Months |
| Used Auto (2022-2024) 1 | 5.950% | $19.31 | 60 Months |
| Motorcycle (2016-2026) 1 | 7.900% | $24.37 | 48 Months |
| Recreational Vehicles 1 | 9.500% | $11.67 | 144 Months |
| Personal Unsecured 1 | 11.500% | $21.99 | Up to 60 Months |
| Secured Pledge | 3.00% over pledged share | 36-60 Months | |
| Overdraft Protection | 10.500% | N/A | N/A |
| Mass Save® Heat Loan 2 | 0.000% | $11.91 | Up to 84 Months |
* Annual Percentage Rate (APR) subject to change without notice. APR is determined by individual credit worthiness and subject to credit approval. Additional Rates and Terms may be available. Some restrictions apply.
1 Direct Pay rate reflects a discount for automatic repayment made from your FRMCU checking account and may change if direct pay is cancelled.
2 Restrictions apply. This offer is subject to program eligibility requirements. Visit www.masssave.com for details. Minimum loan amount is $2,000.00. Maximum loan amount is $25,000.00. Monthly payment is based on a $25,000.00 loan for 84 months
Boat Loans
We offer a variety of competitively priced boat loan products to satisfy your nautical needs. Click here or visit any of our conveniently located branch offices for more details.
EQUITY LOAN SPECIAL
| Equity Special | APR as low as* | Monthly Payment per $1000 | Term |
|---|---|---|---|
| 10 Year Equity Loan | 5.750% | $10.98 | 10 Years |
* Annual Percentage Rate (APR) subject to change without notice. APR is determined by individual credit worthiness and subject to credit approval. Appraisal may be required. Additional fees may apply if title is held in any type of Trust or Life Estate. Loan to value up to 60% of appraised value. Minimum loan $10,000.00. Maximum loan $400,000. Other conditions may apply. Additional Rates and Terms may be available. Cannot be combined with any other offer.
EQUITY LOANS
| Equity Programs* | APR as low as* | Monthly Payment per $1000 | Term |
|---|---|---|---|
| First Lien Home Equity Loan1,4 | 5.750% | $19.22 | 5 Years |
| Home Equity Loan 1 | 6.000% | $19.31 | 5 Years |
| Home Equity Loan 1 | 6.250% | $11.22 | 10 Years |
| Home Equity Loan 1 | 6.500% | $8.71 | 15 Years |
| Home Equity Loan 1 | 6.750% | $7.61 | 20 Years |
| Fixed Rate Equity Line of Credit2 | 6.250% | $14.71 | 10 Years |
| Variable Rate Equity Line of Credit 3 | Prime Rate | 15 Years |
* Annual Percentage Rate (APR) subject to change without notice. APR is determined by individual credit worthiness and subject to credit approval. Equity Programs are for owner-occupied 1-4 family owner-occupied residential properties. Appraisal may be required. Additional fees may apply if title is held in any type of Trust or Life Estate. Loan to value up to 80% of appraised value. Minimum loan $10,000. Maximum loan $400,000. Maximum line of credit $300,000. Other conditions may apply.
1 Additional Rates and Terms may be available. Direct Pay rate reflects a discount for automatic repayment made from your FRMCU checking account and may change if direct pay is cancelled.
2 3-year draw period/ 7-year repayment.
3 5-year draw period / 10-year repayment. Prime Rate is currently 7.00%. The interest rate is based on the Prime Rate as published in the Wall Street Journal. Maximum rate of 18.00%.
4 FRMCU must be the first lien position on property. Other rates and terms available. Cannot be combined with any other offer.
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