West Springfield Town, MA Home Equity & HELOC Rates

Term: 10 year draw period and a 20 year repayment period; Fixed Rate Home Equity Credit Line; 12 month introductory period; Revolving line available as needed for first 10 years; Includes autocharge discount of 0.125%; The APR is reduced to 5.25% APR for the first 12 months. After the first 12 months, the APR is fixed at 6.25% APR for the remainder of the life of the loan, this rate is not variable and will not increase. During the 10 year draw period, payments are interest only. After this period, payments will convert to principal and interest calculated at the remaining 20 year term. For lines $200,001-$500,000, borrower will pay mortgage and recording fees at closings. There is a $50 Annual Maintenance Fee for all Home Equity Credit Lines.

No additional details available.

No additional details available.

Term: 10 year draw & 10 year repayment; Variable Rate based on the Prime Rate. Ask Credit Union for full details.

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1st Lien, Primary Home, Auto Payment from eVolve Checking account; Intro rate expires: 6 months

Loan-to-Value of 80% or Less

Prime - 0.51%; Long-term Variable APR; Advertised rates require monthly automatic repayment from a Rockland Trust checking account, a minimum initial draw of $25,000 and maintaining a daily minimum balance of $25,000 for the first 30 days after the draw period begins (disbursement date). Other loan programs for this type of credit are offered by Rockland Trust that do not include automatic repayment features. As of October 5, 2026, the Prime Rate is 7.00%, resulting in a fully indexed APR of 6.490%. APR of 6.490% is subject to change and may increase after consummation. The corresponding APR will never be less than 3.99% or more than 18.00% per Annum. Advertised rate available for lines of credit between $125,000 and $400,000 on 1 to 4 family owner occupied properties with a combined loan to value ratio (CLTV) of 80% or less, and for lines of credit greater than $400,000 and up to $750,000 with a combined loan to value ratio (CLTV) of 80% or less as determined by a valuation acceptable to the lender. Other home equity lines of credit outside of these parameters are available. Hazard insurance is required. Flood insurance may be required. If you pay off the entire balance and close your line of credit account within 24 months of consummation, a $500 early termination fee may be charged. Other restrictions may apply. See a Banker for details.

Prime Rate - 0.51%

Prime Rate minus 0.50%; No Floor Rate

Rate: Prime minus .5%, currently 6.50% APR*

Prime Minus .50%**

Minimum APR is 3.50%; Maximum APR is 18.00%; Variable APR equal to The Wall Street Journal Prime Rate (currently 7.00% as of September 17, 2026) minus .50% for the life of the loan thereafter; The current Variable rate is 6.50% APR; This rate is set monthly and subject to change; The amount of payments may change in the event that the Prime rate changes; Borrowers who maintain their first mortgage with SCU Credit Union may be eligible for a floor rate of 3.00% APR; Owner occupied properties only in MA or RI; Maximum LTV requirements apply; Up to 80% of the assessed value or up to 80% of the appraised value less the remaining balance on your first mortgage on 1-4 family owner occupied residences; Minimum credit line is $10,000.00; Credit lines available up to $750,000.00; Interest begins accruing upon loan disbursal; 10-year draw period followed by a 10-year repayment period; Property insurance and flood insurance, if applicable, are required; Closing costs do not include any taxes (if necessary); No points or closing attorney fees are associated with this loan; Applicable Trust and Power of Attorney review and recording fees apply; If the line of credit is paid off within 36 months, the borrower will be responsible for waived closing fees; These costs generally range from $300-$600; Consult your tax professional regarding deductibility of interest; A $5 primary share account is required for membership for each borrower; Membership eligibility required; Subject to creditworthiness; All loans are subject to credit approval; Other restrictions may apply.

Introductory Rate for first 12 Months; Rate after first 12 Months: Prime Rate +.50%; Maximum Loan Amount: $250,000.00

Minimum APR is 3.50%; Maximum APR is 18.00%; Variable APR equal to The Wall Street Journal Prime Rate (currently 7.00% as of September 17, 2026) minus .50% for the life of the loan thereafter; The current Variable rate is 6.50% APR; This rate is set monthly and subject to change; The amount of payments may change in the event that the Prime rate changes; Borrowers who maintain their first mortgage with SCU Credit Union may be eligible for a floor rate of 3.00% APR; Owner occupied properties only in MA or RI; Maximum LTV requirements apply; Up to 80% of the assessed value or up to 80% of the appraised value less the remaining balance on your first mortgage on 1-4 family owner occupied residences; Minimum credit line is $10,000.00; Credit lines available up to $750,000.00; Interest begins accruing upon loan disbursal; 10-year draw period followed by a 10-year repayment period; Property insurance and flood insurance, if applicable, are required; Closing costs do not include any taxes (if necessary); No points or closing attorney fees are associated with this loan; Applicable Trust and Power of Attorney review and recording fees apply; If the line of credit is paid off within 36 months, the borrower will be responsible for waived closing fees; These costs generally range from $300-$600; Consult your tax professional regarding deductibility of interest; A $5 primary share account is required for membership for each borrower; Membership eligibility required; Subject to creditworthiness; All loans are subject to credit approval; Other restrictions may apply.

Term: 120 Months (interest only)

Amount: $25,000 - $400,000

Line/Loan Amount: $25,000 - $500,000; LTV: <=80% LTV

Annual Percentage Rate is based on a combination of your credit score and loan to value. Your actual rate may be higher. The floor rate is 3.50%. Property insurance required. The rate is adjusted monthly according to the Prime Rate as published in the Wall Street Journal on the third Thursday of each month. The maximum Annual Percentage Rate that may be imposed in a variable-rate plan is 18.00%.

No additional details available.

HELOC

1st Lien, Primary Home; Intro rate expires: 6 months

Prime Minus - 0.500% for Life

After 6-Month Intro

Loan-to-Value of 80% or Less

Prime Rate - 0.26%

Variable rate after introductory discount period; As low as Prime - 0.250%; Reflects a discount of 0.50% for automatic payment from an NBT Bank Checking or Money Market Account and would increase if this condition is not met.

Prime rate minus .25%; Current prime rate is 7.00%; Variable Rate thereafter as low as 6.75%

Term: 10 year draw, 10 year repay; As Low As; Up to 80% Loan-to-Value

Floor Rate:3.000%

Floor Rate:3.000%

Term: Up to 80% Loan to Value

Term: 10 year draw; 10 year repay

6.750% APR (no minimum balance required). 0.25% reduction in rate for checking account. 0.25% reduction in rate for $25,000 initial draw and maintain balance for 6 months.

As Low As

Rate: Prime minus 0.25%

10 Year Draw Period; 10 Year Repayment; APR is variable and based on WSJ Prime Rate minus 0.25%. Minimum APR is 3.25%. Maximum APR is 18%

Lines of Credit from $25,000 to $300,000; variable rate adjusted monthly to reflect the Prime Rate; owner-occupied property in Massachusetts; loan to value not to exceed 80%

All loans are subject to the Rollstone Bank & Trust's credit standards. Rates, terms, and conditions are subject to change or discontinuation at any time.

No additional details available.

Loan-to-Value of 80% or Less