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Routing # 211885946

Home Loan Rates

Today's Rates

Mortgage
Term Rate APR¹
10 Years  4.250% 4.361%
15 Years  4.500% 4.588%
20 Years  5.000% 5.070%
25 Years  5.000% 5.052%
30 Years  5.250% 5.302%

No points mortgage payment based on $150,000.00 at 5.302% APR for 30 years is $828.28 (Monthly payments shown do not include real estate taxes, PMI (Private Mortgage Insurance) or homeowners insurance and the actual payment obligation will be greater). A rate lock fee will apply. Borrow up to 95% of LTV (loan-to-value)  

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Home Equity Loan 
Term 80% LTV² APR¹  
1-5 Years 3.250%  
6-10 Years 4.000%  
11-15 Years 4.250%  
16-20 Years 4.500%  

If your loan is paid off within three years of the closing date, you will reimburse credit union for closing costs paid on your behalf. Closing costs will range from $450 - $700. Property insurance is required and is not included in closing costs. Other rates and terms available. Offer may be discontinued or changed at any time. Not all applicants will qualify.

Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. A fixed Home Equity Loan payment based on $10,000 at 3.250% APR for 5 years is $180.76.

²LTV= loan-to-value.

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Home Equity Lines of Credit (HELOC)
Term Min Loan Amt Special Promo Variable APR¹
10 Year Line/10 Year Repayment $5,000 1.900%

Promotional Rate of 1.90% APR is fixed for the first 12 months then becomes variable rate as low as 3.00% APR, loan rate will not exceed 18.00% APR.  Rates are based on Prime Rate as published in the Wall Street Journal’s Money Rates Table minus .25%. We lend on primary residences in Massachusetts and Connecticut.

Loans paid off within three years of the closing date will reimburse credit union for closing costs paid on borrower's behalf. Closing costs will range from $450 - $700. Property insurance is required and is not included in closing costs. Additional terms and conditions apply.

Initial draw is a minimum of $5,000. A $1,000 minimum is required each draw thereafter. Minimum monthly payment is $50.  Offer may be discontinued or changed at any time. Not all applicants will qualify or qualify for the lowest rate.

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MassSave Energy Loan
Term APR¹
Up to 84 Months 0%

*Annual Percentage Rate (APR). Monthly payment example $5,000.00 loan at 0.00% APR = $59.52 for 84 months. Maximum unsecured loan amount $25,000.00. Subject to Mass Save Heat Loan Program guidelines and credit approval. For Massachusetts residents only. Additional terms and conditions may apply. Visit MassSave.com/HEATLoan or call 1-866-527-SAVE (7283) for details and to learn more about the program. 

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Home Improvement Loan
Term Rates as low as APR¹
Up to 84 Months 8.99%

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*Annual Percentage Rate (APR) payment example of maximum loan amount $25,000 at 8.99% APR for 84 months is $402.11. Actual payment may vary. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation will be greater. Offer based on creditworthiness and may be discontinued or changed at any time. Additional terms and conditions apply.

¹APR=Annual Percentage Rate

Loan rates are based on members with the best credit profile. Rates also reflect a 0.25% discount for direct deposit with automatic payment from PVCU Account. All rates are subject to change at any time without notice. Other rates and terms available. Offer may be discontinued or changed at any time. Not all applicants will qualify.