Consumer Loan Rates

Personal, Auto & Home Equity Loan Rates 

Annual Percentage Rates (APRs) effective as of   and are subject to change at any time. Offer of credit is subject to approval.





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Loan Type Minimum Loan Maximum Loan
APR
 Max Term Monthly Payment Examples per $1,000
Micro HEAT Loan1 Unsecured $500 $2,000 0.00% 24 mos. $41.67
Standard HEAT Loan1 Unsecured $2,001 $15,000 0.00% 84 mos. $11.90
Standard HEAT Loan1, 2 Secured $15,001 $25,000 0.00% 84 mos. $11.90

 
1UniBank does not offer HEAT Loans for condos, townhouses or commercial properties. Each Mass Save loan shall only be funded up to the amount of the Authorized Work. Checks must be made to the customer and the contractor(s) identified on the Authorization Form. The Property must be owner-occupied. 
2 UCC filing fee of $75 required by applicant. 
UniBank Heat Loans are available for properties located in Worcester and Middlesex counties.
  Type Maximum Loan APR Max Term Monthly Payment
Examples per $1,000
Personal Loan
(1,000 minimum)		 Unsecured $5,000 17.00%3 48 months $28.86

Unsecured $5,000 14.00%3 12 months $89.79
 
 
3A .25% reduction in the above rate is available at closing when signed up for auto deduction.
 
 
Loan Minimum Loan Maximum Loan APR Max Term Monthly Payment
Examples
CD/Savings Adjustable-Rate Loan $1,000 No Maximum 6.75%4 240 months

$11.48

Payment example based on 10 year term
Overdraft Line of Credit $500 $10,000 12.75%5 No Maximum
Home Improvement Fixed-Rate Loan $1,000 $10,000 10.00%3 72 months $18.53
 
 
3 A .25% reduction in the above rate is available at closing when signed up for auto deduction. 
4 APR is variable and based on Wall Street Journal Prime Rate. Minimum APR is 3.25%. Maximum APR is 18%. Prime rate is currently 6.75% as of  .
5 APR is variable and based on Wall Street Journal Prime Rate plus 6.00%. Minimum APR is 3.25%. Maximum APR is 18%. Prime rate is currently 6.75% as of  .

Automobile Loans (new)

Model Year APR Max Term Monthly Payment
Examples per $1,000
2025 - New 6.50%3 60 months $19.57
2025 - New 7.00%3 72 months for loans over $20,000 $17.05
 
3A .25% reduction in the above rate is available at closing when signed up for auto deduction. Financing available up to 100% of the contracted purchase price or MSRP, whichever is less
 
 

Automobile Loans (used)

Model Year APR Max Term Monthly Payment
Examples per $1,000
2018 - 2024 7.50%3 60 months $20.04
2017 & Older 8.25%3 48 months $24.53
 
 
3A .25% reduction in the above rate is available at closing when signed up for auto deduction. Financing available up to 100% of the contracted purchase price or used car retail value, whichever is less.

Fixed Term Home Equities6,8

Terms APR Monthly Payment
Examples per $1,000
5 Years
10 Years
15 Years
20 Years		 6.24%
6.49%
6.74%
6.99%		 $19.44
$11.35
$8.84
$7.75
 
 
6 Up to 80% Loan-to-Value (LTV) of the market value.
 

Adjustable Rate Home Equity Line of Credit8

Terms APR

10 Year Draw Period

10 Year Repayment

 6.50%7
 
 

HELOC Special Offer

Terms APR

10 Year Draw Period

10 Year Repayment

 3.99%9
 
 
7  The APR is variable and based on WSJ Prime Rate minus 0.25%. Prime rate is currently 6.75% as of   . Minimum APR is 3.25%. Maximum APR is 18%. Homeowners and Flood insurance (where applicable) is required for the life of the loan. Offer available on primary owner occupied 1-4 family residences only.
 
8  Fees for Opening a Fixed Term Home Equity Loan or an Adjustable Rate Home Equity Line of Credit: A one-time application fee may apply and will not exceed $500. Application fee is based on the final loan amount. A trust review fee which can range from $250 to $500 may be assessed. This fee may vary depending on the trust complexity and attorney review. 

 

9 This Home Equity Line of Credit includes an introductory Annual Percentage Rate (APR) that applies for the first twelve (12) months following consummation. After the introductory period ends, the APR will increase and will be variable for the remainder of the term. The variable APR is based on the Wall Street Journal Prime Rate minus 0.25% and may change monthly. The APR will not be less than 3.25% or exceed 18.00%.

During the draw period, minimum payments may not reduce principal.

The introductory APR is subject to the terms and conditions of the Home Equity Line of Credit Agreement and the “Important Terms of Our Home Equity Line of Credit” disclosure.

To be eligible for the introductory APR, the following relationship requirements must be met prior to loan closing:

  • Enrollment in automatic payment from a qualifying UniQue or UniQue Plus Checking Account, as disclosed in the checking account comparison chart
  • The checking account must be opened and funded with the required minimum balance prior to closing

To be eligible to participate in this promotional offer, the borrower must not have received an equity promotional rate from UniBank within the past 24 months. This includes any promotional rate offered on any home equity product within the 24-month period prior to the origination date. Eligibility will be verified prior to closing. This promotion is not available for the refinance of an existing UniBank home equity product.

Property insurance is required, including flood insurance where applicable, for the life of the loan. This offer is available for owner-occupied one-to-four family residential properties only.

This promotion is effective for applications received on or after 6/1/2026 and is subject to change or can be withdrawn at any time. Other terms and conditions may apply. 


 UniBank is currently only accepting applications for Home Equity Lines of Credit that meet the following Eligibility Criteria: You must have existing first or second (Lien) mortgage with UniBank;  or you have a first mortgage with another lender and you are applying with UniBank to refinance; or you have no mortgage lien on your property. Other conditions may apply.