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Real Estate Loan Rates

When you’re looking for excellent rates on Mortgage and Real Estate loan products, look no further – Energy CU have the competitive rates you’re looking for.

First Mortgage

Effective: January 17, 2024

First Mortgage
Rate
Please call us at (617) 325-1999 for current rates and terms.

Fixed Home Equity

Effective: January 17, 2024

Fixed Home Equity
TermAPR 1 starting at
10 years6.625% 2
15 years7.000%
20 years7.500%
  • (1) Annual Percentage Rate.
  • (2) APR is calculated based on a loan amount of $100,000 for a term of 10 years or 120 months. Payments are $10.67 monthly per $1,000 borrowed. Owner occupied condos and single-family primary residences only. Payment doesn't include taxes, insurance, or HOA fees. The actual payment obligation will be greater. Other terms and restrictions apply. Subject to credit approval.

Home Equity Line of Credit

Effective: January 17, 2024

Home Equity Line of Credit
TypeTermAPR 1 starting at
Home Equity Line of Credit15 Yr Borrowing; 5 Yr repaymentPrime minus 1%, adjustable monthly 2
NEW Home Equity Line of Credit10 Yr Borrowing; 10 Yr repaymentPrime minus 0.75% (10 Yr Interest only payments) 3
  • (1) Annual Percentage Rate.
  • (2) The rate listed is the Annual Percentage Rate (APR) which is variable and is equal to the Wall Street Journal prime rate minus 1.00%, subject to a minimum rate of 2.25% and a maximum rate of 18% or the maximum rate permitted by law, whichever is less. Prime as of 10/6/2023 was 8.5%. This APR is available for new home equity lines only. Line must be secured by a 1-4 family home or condo. Primary residences only. The maximum loan to value is 80%. Rates are subject to change. Property insurance will be required. Subject to credit approval.
  • (3) The rate listed is the Annual Percentage Rate (APR) which is variable and is equal to the Wall Street Journal prime rate minus 0.75%, subject to a minimum rate of 4.00% and a maximum rate of 18% or the maximum rate permitted by law, whichever is less. Prime as of 10/6/2023 was 8.5%. This APR is available for new home equity lines only. Line must be secured by a 1-4 family home or condo. Primary residences only. The maximum loan to value is 80%. Rates are subject to change. Property insurance will be required. Subject to credit approval.

Energy Loans (Mass Save)

Effective: January 17, 2024

Energy Loans (Mass Save)
TermAmountAPR 1 starting atPayment per $1,000 2
Up to 72 monthsUp to $25,0000%$0
  • (1) Annual Percentage Rate and amount is based on current credit rating.
  • (2) Repayment amounts will vary depending on the term. This example is estimated for the maximum term.

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